By Kroner Niels
'Svenska Handelsbanken' takes a clean examine the monetary problem. It units out to reply to in particular what the blunders have been that banks made and the way this might were refrained from. what's particular approximately this e-book is an in depth description of a giant financial institution that operates very another way from its friends and that has, accordingly, suggested good away from components that experience introduced many different banks into difficulty. this offers a few insights into how a extra resilient, post-credit crunch banking procedure may still appear like.
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Extra info for A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking
Similarly, Dexia’s problems may have come from its wholesale banking side, but it was a credit insurer and also very like a utility bank. On the other hand, Merrill Lynch, Bear Stearns and Lehman were pure investment banks that did not have a commercial bank and its promise of implicit government support to rely on. In fact, Lehman’s insolvency unveiled how many pure commercial banks had exposure to Lehman as interbank lenders or swap counterparties. This makes it difficult to argue that with a clear separation of utility banking from casino banking one could simply let failed casino banks go under.
Two sectors that have played a major part in most banking crises are real estate lending and emerging markets banking. Unlike the first five deadly sins they are not wrong in themselves: there are prudent, stable ways of banking with both areas, some of which we will discuss for Handelsbanken specifically. Yet, more often than not, real estate lending and emerging markets banking lead to a crisis: it is surprising that banks quickly forget how often these areas have brought them into severe 18 ‘Market discipline (coupled with weakened prudential regulation) was apparently ineffective in constraining risk-taking outside the banking sector’, IMF (February 2009), p.
Big Bonuses Paying bankers a big bonus in good times, so the argument goes, skims off profits while losses in bad years accrue fully to shareholders. Similarly, hedge fund investors take quite a big share of profits, if there are any, while not sharing in losses. This gives them an incentive to gamble and “bet the bank” since they win if things go well but they do 25 A Blueprint for Better Banking not lose if things go badly. In addition, a lot of pay does not seem sufficiently linked to performance.
A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking by Kroner Niels