Nordic banks have traditionally adopted decentralised management structures, incorporating collective business practices while eschewing securitisation. Brian Caplen assesses whether this model can be made to work overseas.

The growth of loan issuance has been accompanied by a record increase in secondary market trading and the arrival of derivatives linked to these assets. Natasha de Terán explores how the market is developing.

As the global financial services pie expands, New York City’s business is contracting and many blame this on unfavourable regulation. Dan Barnes reports on the prospects for regulatory reform.

KPMG highlights the growth of China’s consumer banking markets while Mercer Oliver Wyman outlines the benefits that can be derived from Basel II implementation beyond simple regulatory compliance.

While China’s lifting of restrictions on the operation of international banks will not result in branches opening on every Chinese high street, it does present significant opportunities, says Stephen Green.

Nigerian banks know that expanding branch networks and introducing new technology requires a skilled workforce. Nick Kochan reports on staff training efforts.

Aigboje Aig-Imoukhuede, CEO of Access Bank, tells The Banker of his plans for a top five Nigerian listing by 2010 and his vision of establishing a pan-African presence.

Nigeria’s retail environment is developing fast, says Nick Kochan, but further growth is hampered by the absence of a credit checking system and a national ID card.

Nigerian banks are beginning to realise that they can build their customer bases and raise efficiency by participating in mobile banking, says Wendy Atkins.

Bank consolidation continues and capital adequacy has improved but what is needed in the sector is a new culture that will attract new customers to boost the bottom line. Nick Kochan reports.