The basic business of banking is balancing risk and reward. But in this new climate, what must a traditional bank do to expand its client base and retain strong employees? Well, perhaps banks can gain an upper hand on both fronts by finding ways to do good while also profiting. In this article, Andrew Waxman suggests banks identify underbanked sectors and provide innovative financial tools that can enable profitable capital development. Secondly, banks should empower employees to work on tools that will provide them a "human" as well as "financial" return.