Download e-book for iPad: A Blueprint for Better Banking: Svenska Handelsbanken and a by Kroner Niels

Banks Banking

By Kroner Niels

ISBN-10: 1906659311

ISBN-13: 9781906659318

'Svenska Handelsbanken' takes a clean examine the monetary drawback. It units out to respond to in particular what the error have been that banks made and the way this would were shunned. what's specific approximately this e-book is an in depth description of a big financial institution that operates very in a different way from its friends and that has, for this reason, urged good away from parts that experience introduced many different banks into difficulty. this offers a few insights into how a extra resilient, post-credit crunch banking approach should still appear like.

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Sample text

Even if counter-cyclical provisions may work for very traditional credit cycles it is doubtful if they would have made any difference to all the problem areas that have brought financial institutions into disarray. Many of them (liquidity risks, holding “toxic securities” or large-scale writing of credit default swaps) had no meaningful capital requirements in the first place, so pro-cyclical requirements would not have changed much. And one should not forget that, prior to US GAAP and IFRS9 clamp-downs on discretionary loan loss provisioning, banks did by and large build counter-cyclical loan loss reserves.

But calling everything untoward a black swan lets most practitioners off the hook too easily – which is perhaps why the theory has been endorsed so enthusiastically. Annual reports explicitly or implicitly describe the credit crunch as unprecedented and beyond anybody’s wildest imagination, implying that no management should be held responsible for the fallout. In reality, financial crises have been too frequent to make this argument plausible. The financial services industry likes to make it sound as though we are witnessing the impossible.

When the buffer is needed, only treasuries tend to trade actively). Their apparent attraction is that they pay spreads that are higher, not lower, than bank’s own funding costs, allowing banks to turn a liquidity portfolio in their treasury operations from loss making to profit making. Needless to say, when credit spreads widened in 2007/08, these instruments were useless as a liquidity holding and accrued losses several times higher than the cumulative profit made on them. Many non-core financial assets on banks’ balance sheets are shock amplifiers.

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A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking by Kroner Niels

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