Banks are under pressure from the prolonged low-interest-rate environment and increased regulatory pressures. For most Western lenders, the only solution going forward is to cut costs, but at a level that few will want to take on.
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As a country with severe issues of financial exclusion, Pakistan is setting up an institutional framework supporting microfinance institutions. The latest innovation is the launch of the Pakistan Microfinance Investment Company. Edward Russell-Walling maps the sector's development.
- Chapter 2: Digitalisation and disintermediation in the payments industry - The Payments industry in transformation
- Chapter 3: What are the expectations from a corporate treasury perspective? - The Payments industry in transformation
- Chapter 4: Market infrastructures: are they fit for purpose? - The Payments industry in transformation
- Chapter 5: The payment industry in transformation – key takeaways
- Chapter 1: The role of financial services in the UK economy
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With a newly acquired banking licence and a vast national network, India Post has huge potential to boost financial inclusion in the country. However, as industry experts point out, much will rest on it getting the fundamentals – the technology, management and expertise – in place. Rekha Gupta Menon reports.
With tax evasion, money laundering and finances for terrorism often concealed in offshore shell companies, the US is introducing rules to shine a light on the owners of these anonymous companies. But the government will not have an easy ride in bringing in the changes across all states, writes Jane Monahan.
Cybercrime is not a new threat but the attacks and ‘precise targeting’ by fraudulent parties are becoming more sophisticated. Marcus Sehr, global head of client management and sales for institutional cash management at Deutsche Bank, highlights the seriousness of cyberfraud and the need to foster awareness, and outlines the steps the banking community should take to defend the financial system’s integrity.
In two years, Otkritie FC Bank’s Konstantin Tserazov has transformed its investment business through a three-way split between its bond portfolio, repurchase agreements and derivatives. Now, he tells Stefanie Linhardt, he intends to diversify the Russia-focused bank even further.
Malta’s economy was the second fastest growing in the EU last year, its financial sector is healthy and diversified, and it is about to play a leading lead role in Brussels, writes Michael Imeson.
Although Pakistan's economy has not met all government targets, its macro fundamentals are strong and the China Pakistan Economic Corridor is generating a lot of optimism. Is this enough to attract more foreign direct investment into the country? Edward Russell-Walling reports.
The Dubai International Financial Centre has risen to become a major trade, investment and logistics hub over the past decade. However, as James King discovers, it is eyeing further growth through its strategy to become a leading global centre by 2024.
As China’s economy slows and corporate debt swells, the country’s banks are turning to retail as a new source of growth. Who is jumping on the bandwagon, and how will banks tap into China’s enormous mass market? Stefania Palma reports.
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At the end of April, Romania’s parliament approved a bill allowing borrowers to walk away from their mortgage debts. The Banker looks at mortgage holdings of the largest banks in the country.
Gerard Lyons on Brexit
|The Banker's editor Brian Caplen talks to pro-Brexit economist Gerard Lyons.|
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There is growing exasperation in the banking community regarding the Basel Committee on Banking Supervision’s desire to reduce variations in bank risk-weighted assets in the name of simplifying comparisons