BARCELONA – The days when bankers could pay 3% interest on their customers’ deposits, lend at 6%, and make it to the golf course by 3 p.m. (the “3-6-3 rule”) are long gone. While some bankers remain oblivious to the looming threats to their business, the fact is that banks are now in dire straits, judging by their dismal valuations (in terms of price-to-book ratios) and low current and expected future profitability