By Kroner Niels
'Svenska Handelsbanken' takes a clean examine the monetary drawback. It units out to respond to particularly what the blunders have been that banks made and the way this might were refrained from. what's exact approximately this ebook is a close description of a big financial institution that operates very in a different way from its friends and that has, for that reason, urged good away from parts that experience introduced many different banks into difficulty. this gives a couple of insights into how a extra resilient, post-credit crunch banking process may still seem like.
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Extra resources for A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking
In my opinion it is similarly a stretch to blame the Basel II regulation for leaving banks weakly capitalised in a downturn. 10 But it is an exaggeration to claim that Basel II itself is procyclical when its preferred model is precisely the opposite. In addition, Basel II explicitly gives regulators the tool, via stress testing capital levels under the so-called pillar II, to impose higher capital requirements on 9 US Generally Accepted Accounting Principles (US GAAP) are the mandatory accounting standards for companies listed on US stock exchanges.
Some of them caused significant losses also for the banking system in the developed world (the already mentioned Latin American debt crisis in the 1980s, the “ Asian Markets that everyone else finds unattractive can bizarrely be safer environments because they lack the self-reinforcing boom and bust cycle. ” crisis 1997, the Russian crisis 1998, and the Argentina crisis 2001). Today concerns there are about real the implications that banking in Eastern Europe would have on Western European banks.
Nor does it explain the vast differences between institutions even in very similar markets. This is not to say that general explanations are wrong – merely that they are incomplete. They need to be combined with an analysis of why banks were so susceptible to the factors described and why they were apparently happy to maintain or increase their exposure. This element is necessary for a satisfactory explanation – and to answer the question on how the banking system should be redesigned. Bank executives and regulators are hardly in a position to change macro imbalances, policy mistakes or human nature.
A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking by Kroner Niels