A Blueprint for Better Banking: Svenska Handelsbanken and a by Kroner Niels

By Kroner Niels

'Svenska Handelsbanken' takes a clean examine the monetary drawback. It units out to reply to particularly what the errors have been that banks made and the way this would were refrained from. what's special approximately this e-book is an in depth description of a big financial institution that operates very otherwise from its friends and that has, for this reason, suggested good away from components that experience introduced many different banks into hassle. this offers a couple of insights into how a extra resilient, post-credit crunch banking method may still appear like.

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Extra resources for A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking

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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. In the US Savings and Loans Crisis of the 1980s this was a major factor that caused mass insolvencies when the Federal Reserve System (the Fed) decided to tame inflation by raising interest rates (thrifts had three-quarters of their assets in fixed rate assets while funding was mostly variable).

Lending standards are relaxed since risks appear negligible, further fuelling credit expansion and taking care of problem cases since it is easy to refinance. 19 Similar mechanisms are often at work in emerging markets. As long as there is enough risk appetite to transfer funds on a large scale to emerging markets, these funds lead to strong economic growth. How can a country such as Ukraine not grow its economy very strongly during a period where lending increases by more than 50% per year from 2004 to 2008?

21 2 Bank-Specific Explanations P lenty of bank-specific explanations have been brought forth that avoid the difficulties of general explanations. They capture mistakes within banks that an inside observer would recognise. As they address specifically what went wrong in these institutions they lead quite easily to recommendations on how banking should be different in the future. The main problem for all specific explanations is that they apply only to a subset of institutions that have run into trouble.

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