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Get A Blueprint for Better Banking: Svenska Handelsbanken and a PDF

By Kroner Niels

ISBN-10: 1906659311

ISBN-13: 9781906659318

'Svenska Handelsbanken' takes a clean examine the monetary quandary. It units out to respond to in particular what the error have been that banks made and the way this might were shunned. what's certain approximately this ebook is a close description of a big financial institution that operates very otherwise from its friends and that has, for this reason, recommended good away from parts that experience introduced many different banks into hassle. this gives a couple of insights into how a extra resilient, post-credit crunch banking approach should still seem like.

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24 Peer pressure Peer pressure is another reason why banks engaged in imprudent practices. For lending to households in Eastern Europe in euros, Swiss francs or yen, the epitome of the second deadly sin, I have heard from three different CEOs of major banks in the region that they admit it should not be done. They added that they preferred it to be banned by the regulator – but that they had to do it if they did not want to lose market share since everybody else did it. ’25 Kindleberger describes this phenomenon when he says that 24 Nothing new to the banker who in 1720 subscribed to £500 of South Sea stock since ‘when the rest of the world are mad, we must imitate them in some measure’ (quoted after Kindleberger 2000, p.

It played a similar role in the Swedish/Scandinavian banking crisis of the early 1990s, where many corporate borrowers avoided high interest rates in their own currencies by borrowing in Deutschmarks. When local currencies, in which most of their income was denominated, depreciated against the Deutschmark while interest rates shot up, they could not service their debt. The same problem occurred in the Asian crisis later that decade, where debt denominated in foreign currencies ballooned in local currency terms as local currencies depreciated.

14 That means that banks could be running a fairly substantial liquidity risk, which can bizarrely improve their profit and loss account as it increases net interest income. Many banks have a structural duration mismatch: they pay more or less variable rates on their customer deposits but lock in much longer rates on their loans. To the extent that usually longer interest rates are higher, this is a source of interest income from taking on interest rate risk. It can, however, go spectacularly wrong if interest rates unexpectedly rise so the bank has to pay more on their deposits without earning more on their loans.

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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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