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Bank Failures in Mature Economies |
This Basel Committee working paper studies bank failures in eight
countries: Germany, Japan, Norway, Spain, Sweden, Switzerland, the
United Kingdom and the U.S. It examines the reasons for the
failures, how the failures were resolved, and what regulatory
changes followed from the crisis. pdf-file 519 KB. 2004 |
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Bank of England report on the collapse of Barings Bank |
The full, unedited Conclusion from the Bank of England report on the
collapse of Barings. |
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Banking Banana Skins Survey |
What are the potential sources of risks to banks? Read CSFI's 2002
Banking Banana Skins Survey to find out. Pdf-file |
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Banking's Changing Dynamics |
The banking industry, like many others, is changing fundamentally.
We see three major dynamics that pose formidable new challenges for
financial institutions. One, the industry's scarcest resource has
become satisfied customers. Two, value creation is switching from
'stocks' to 'flows.' Three, value is moving from the 'back end' to
the 'front end' of the bank. 2003 |
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Causes and Management of Banking Crises |
The causes of banking crises can be categorised under several
headings: macroeconomic instability; deficient supervision; poor
strategies; weak management; inadequate control systems; operational
failures; fraud. The experience of a number of countries is
reviewed. Whatever the causes, the authorities need a coherent
strategy for addressing such crises. Various aspects of crisis
management are discussed, and recommendations made. pdf-file |
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CBI/PricewaterhouseCoopers Financial Services Survey |
This quarterly survey identifies the current perceptions held by the
industry and its plans for investment, human resources, marketing
and other strategic developments. |
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Central Banks and National Holidays |
A list of the countries of the world with links to their central
banks and information about their national holidays |
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Closing the Productivity Gap |
Lean Manufacturing for Banks. Pdf-file November 2002 |
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Consolidation in the European Insurance Industry |
Do Mergers and Acquisitions Create Value for Shareholders? 2004 |
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Consolidation in the Financial Sector |
A study of financial consolidation and its potential effects, by the
Group of Ten |
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Cross-Border Bank Mergers |
The Effects of Cross-Border Bank Mergers on Bank Risk and Value.
Pdf-file |
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Customer Price Awareness Psychology & Pricing |
Customers’ price awareness and perception will often effect how
price changes impact revenue. Both the availability and quality of
price information, such as current interest rates and charges, as
well as a bank’s image amongst customers, play an important role in
determining this relationship. |
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Derivatives Acronyms |
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Dictionary of Banking Terms |
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Entry into Banking Markets and the First-Mover Advantage |
Using a sample for 1972-2002 with over 8,000 bank entries into local
markets, we find a market share advantage for earlier entrants.
Pdf-file. 2003 |
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European Banks: The Silent (R)Evolution |
Recent market turmoil and its consequences will negatively impact
the earnings of European banks for a considerable time. This
reverses a long period of improvement in profitability and
efficiency. But: the current environment should not distract from
the trends that have shaped the structure of the industry for the
last 10 years and will continue to do so.: consolidation,
internationalisation, convergence and deconstruction. |
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Focus on restructuring: The drivers shaping the financial services
sector |
This report, written by PwC in association with the Economist
Intelligence Unit examines the wider issues behind the increasing
focus on restructuring within the global financial services sector.
Pdf-file 376 KB |
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From aspiration to achievement: Improving performance in the
financial services industry |
This briefing, written by PwC in association with the Economist
Intelligence Unit, addresses the key issues that financial
institutions are facing with regard to improving performance in key
areas of the business. Pdf-file 571 KB. 2005 |
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Fx
Payment Tools Expand |
As companies increasingly need to buy and sell in nondollar
currencies, the banking infrastructure is growing, bringing
economies to foreign currency payments. |
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Global Corporate Banking 2005 |
Delivering Profitable Growth in a Crowded Market. Research report.
Pdf-file 2005 |
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Global Financial Services Offshoring Report 2007 |
This report sets out the best practices that financial institutions
should consider in order to be the biggest beneficiaries from
offshoring. |
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Korean Banking Industry |
M&As and Competitiveness in the Korean Banking Industry since the
1997 Financial Crisis pdf. 2006 |
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M&A
Activity in the European Financial Services Sector |
In 2003, over €34 billion of deals were announced in the European
financial services sector. This paper looks at the deals, the
players and the motivations that are currently driving merger and
acquisition activity in the sector, as well as factors that may
shape M&A activity in the years ahead. pdf-file 891 KB. 2004 |
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Managing the value of customers in the Financial Services market |
This report examines how major products in different customer
segments and life stages generate value. The Model confirms the view
that a small proportion of customers generate a disproportionate
amount of value. Pdf-file |
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Measuring Merger Odds for European Banks |
With consolidation in the European banking industry revving into
high gear, A.T. Kearney has developed a methodology to predict the
merger prospects for the top 50 European financial
institutions—identifying which combinations could create the most
value. pdf-file 2005 |
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Non
Performing Loans in India in a Global Context |
A comparative study of Non Performing Assets in India in the Global
context - similarities and dissimilarities, remedial measures.
Pdf-file 2002 |
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Outrunning the Regulators |
Staying ahead of security rules can create competitive advantages.
2007 |
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Piecing the jigsaw: The future of financial services |
Piecing the jigsaw is a paper focusing on the future of the
financial services industry and considers the drivers, risks and
opportunities, as well as the impact and responses for existing and
potential players in the industry. The study identifies five
principal drivers that will affect all financial institutions |
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Problem Bank Resolution: Evaluating the Options |
Here, we look at the various options available to deal with problem
institutions and evaluate their usefulness. Beyond enumeration, and
a heoretical description we present a realistic analysis of the set
of options that are available, and have been available to bank
regulators. Then, we examine how they have been employed in three
cases in the past from different parts of the world. pdf-file 1998 |
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Putting the “retail” into retail banking |
This paper discusses how new marketing and sales approaches drawn
from the retail industry—such as digital merchandising and providing
virtual advice and consulting on demand—are enhancing the customer
experience. pdf. 2006 |
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Securitization Encyclopaedia |
Topics: Concept of securitisation, Benefits of securitisation,
History of securitisation, Sad episodes of Global securitization,
Legal issues in securitization, Accounting issues in securitization,
Taxation issues, Stamp duty issues, Regulatory capital and banking
supervision |
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Should banks be diversified? Evidence from individual bank loan
portfolios |
We study empirically the effect of focus (specialization) vs.
diversification on the return and the risk of banks using data from
105 Italian banks over the period 1993–1999. Pdf-file. 2002 |
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Strategies against Price Wars in the Financial Service Industry |
As many industries, the financial service industry –specifically in
private banking - is currently in a ”price war”. Competitors battle
it out with one another using price as their weapon. At the same
time, however, they fail to differentiate their products or services
sufficiently. This price war leads to enormous value losses. But why
do price wars develop? And what strategies can financial
institutions pursue to end, or even avoid, a price war? pdf |
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Striving for Organic Growth in Retail Banking |
This report from BCG, using findings from their survey, briefly
discusses the process of growth through institutional acquisition,
but it primarily focuses on mechanisms for organic growth. Pdf-file
2005 |
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The
customer-led bank |
Retail banks have long flourished by following a business approach
that would spell trouble in virtually any other competitive
industry: paying scant regard to the care and nurturing of their
best customers. But that charmed existence is coming to an end.
Customer defection rates are up, as are the costs of acquiring and
retaining new customers. October 2005 |
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The
International Private Banking Study 2005 |
Covering the period from 1990 to 2004, the sample includes banks
from Austria, Benelux, France, Germany, Italy, Liechtenstein,
Switzerland, the UK and the US. The intention is to compare the
relative strength and competitiveness among all banks by measuring a
multitude of ratios of operational efficiency, size, growth and
investment performance. pdf-file |
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The
Limits of Lawyering: Legal Opinions in Structured Finance |
To what extent should lawyers be able to issue legal opinions that
create negative externalities? What should differentiate the roles
of lawyers and accountants in disclosing information to investors?
Doc-file |
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The
paradox of Banking 2015 |
Through market research and interviews with industry executives, the
IBM Institute for Business Value identified five major industry
trends that will impact the retail banking industry. pdf |
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Trends in Competition and Profitability in the Banking Industry: A
Basic Framework |
This paper brings to the forefront the assumptions that we make when
focussing on a particular type of explanation for bank
profitability. pdf available for download. 2004 |
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Visible and Hidden Risk Factors for Banks |
This paper examines the common factors that drive the returns of
U.S. bank holding companies from 1997 to 2005. Abstract, pdf-file
available for download. 2006 |
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Want to Know How to Keep Expenses Low? Think Loyalty |
In financial services, a 5% increase in customer retention produces
more than a 25% increase in profit. Pdf-file 2003 |
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Wealth Management |
Richer Prospects in Wealth Management, traditional financial
institutions should learn to cater for the needs of the "army of
instant millionaires", made by the new economy; article by Chuck
Callan, Christian de Juniac, Bruce Holley, and Claus Michalk; PDF
file |
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