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Two years on | Which banks understand the web lifestyle?

When I started this particular blog, my impetus was the lack of creativity amongst Banks in getting beyond automation of traditional transactions, and sticking them online [online banking]....

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Yamato Life goes bankrupt due to bad management

In a dramatic similarity to HBOS, Bradford & Bingley, to name just two, the Japanese Life Insurer Yamato was caught out investing in securities and losing out in the crash.  The similarity lies in...

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Some fresh thinking – The New American Bank Initiative (NABI)

I worry about the bailout plans led by newly famous Gordon Brown (Prime Minister UK), and which every other world leader is falling over themselves to adopt.  Such an approach is natural for Brown and...

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The G20 ought to consider only regulation that assesses the outcome of good...

President Bush makes an important point and distinction here [emphasis mine].  The couch economists and newly found supporters of a new President are tempted by talk of new regulation and government...

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banking 101 | All banks are vulnerable to runs

This is a fascinating and insightful paper by Willem Buiter and Anne Sibert on the failure of the Icelandic banking system, but with scary parallels to the UK system and others.  In particular though,...

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Bank nationalisation by a thousand cuts is distracting us from the root problem

In the series “The Great Unwinding” last week two types of banks, Financial Utilities and Risk Takers were highlighted to appear.  This direction received strong support this weekend with Alistair...

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The Turner Review: a regulatory response to the global banking crisis

Here is the Turner Review commissioned by the Chancellor of the Exchequer.  Martin Wolf reviews here at the Financial Times.  Wolf argues it is a watershed for finance making this excellent point –...

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G20 draft communiqué & FT interview with Obama indicate more regulation...

Lionel Barber at the FT interviews US President Obama in advance of the G20 meeting Thursday.  Despite the broad sweeping answers it seems unlikely that we will see much tangible outcome from the...

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U.S. Planning to Reveal Data on Health of Top Banks

I saw somewhere earlier that the President was planning a major economic speech tomorrow, and now this below is finally coming after being delayed while some banks announced.  This probably explains...

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Bank capital levels around the world are low and sufferring

The IMF report had a spreadsheet in the appendix with bank capital levels around the world. While it has individual countries, I summarised into this chart.  The data shows Capital as a percentage of...

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US releases draft regulatory framework for Financial Institutions

The US administration released a draft of their proposed regulatory framework today, putting the Federal Reserve front and centre. The big theme is to promote broader control of any institution...

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On Bank Systemic Risk, International Integration and Capital Requirement |...

There has been much talk of systemic risk since the financial crisis hit. I see it more as a crisis of banking and banking confidence, and the debate on systemic risk is critical because it exists...

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Real Time Solutions for US Financial Reform | NYU Stern Working Group on...

On Vox, the authors noted have a new ebook (pdf) that paints a quite complete picture of the elements for consideration in financial services regulatory reform. Real Time Solutions for US Financial...

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Securitization is nothing more than unrecorded leverage

I could not agree more with this quote from Niall Ferguson.  The problem is leverage, and securitization is nothing more than leverage that is not appropriately recorded on the balance sheet.  There is...

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The need for genuine transparency in security risk assessment | peer-to-peer...

This little nugget from Gillian Tett at the Financial Times last week brought a few thoughts into sharp focus. Is this the lull before the storm for US mortgages?  | ft.com For this spring, something...

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The Magnetar Trade – otherwise known as ‘The Black Hole”

This is a complex article at ProPublica that in simple terms illuminates all that was wrong with CDO’s and synthetic CDO’s. These instruments allowed investment bankers like Magnetar to circumvent...

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The fragility of the banking system – the final 2 days in the life of...

There is a statement today … Statement of John Corston, Acting Deputy Director, Complex Financial Institution Branch, Division of Supervision and Consumer Protection, Federal Deposit Insurance...

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Basel 3 (Basel III) details released

For the record here is the detail on Basel 3 (Basel III).  It is a positive step but it still means banks have a debt to equity level of 8.5 :1 BIS Press release and pdf. High level taken from the pdf....

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First Look – UK Independent Commission on Banking report has a focus on new...

Executive Summary pdf 8 pages 0.4MB   Full Report pdf 214 pages 2.2 MB The report begins by summarising the impacts of the financial crisis on the UK banks. Table of Contents here The overall impact...

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