Latest articles from Banking, Regulation & Risk

Playing with fire

December 1, 2004

Leading investment banks’ lucrative relationships with hedge funds have multiplied across a number of business silos. But their exposure to risk has grown too. Could their overlapping business lines spell trouble in difficult markets?

Keeping customers at close range

December 1, 2004

Not many people know but Rabobank is Europe’s biggest internet bank. Micheal Imeson explains how the Dutch bank is building on this, while striving to maintain its dominance in other sectors.
A small, unpaid army is at work in the Netherlands. A band of 40-50 men and women – all Rabobank pensioners – are targeting old people’s homes throughout the country. Their mission: to recruit as many elderly people as possible to the bank’s internet service. Their tactics: to be invited to care homes to teach residents en masse how to use computers, surf the web and make the most of internet banking.

EU’s plan to regulate is fiercely opposed

December 1, 2004

Credit rating agencies, currently under EU scrutiny, maintain that they need neither harmonisation of standards nor more rules – and the banking industry agrees. Sergio Beristain reports.

Italy’s retail sector gets a much-needed shake-up

November 4, 2004

Massimo Arrighetti, head of retail at Italy’s Banca Intesa, talks to Stephen Timewell about the earthquake in his bank’s retail sector that has led not only to a radical rethink, but also to a step change in processes.
When Banco Ambrosiano Veneto, Cariplo and Banca Commerciale Italiana joined forces in late 2002 to form the largest bank in Italy, Banca Intesa, they also formed a bank with a staggering 1,500 different retail products.

Covered bonds wake up to a new world

November 4, 2004

Judith Hardt, secretary general, European Mortgage Federation explores the EU regulatory developments in covered bonds – past, present and future.

How debit cards can make money

October 4, 2004

Maestro UK’s Roger Alexander explains to Stephen Timewell how, as e-commerce develops, banks can reposition themselves as authenticators via debit cards, and charge customers for the service.

Lacklustre service in the branches

September 2, 2004

Retail banks are realising that effective customer service centres are a business generation tool that they cannot do without. Yet a recent survey finds service quality has improved little, says Remus Brett.

Whatever happened to joined-up banking?

September 2, 2004

Retail banks promised their customers multi-channel access to their accounts many years ago, so why has this not progressed beyond the preserve of the wealthy? Angus Hislop reports.

Seven steps to comply

September 2, 2004

Baijayanta Chakrabarti and R Prabahar outline a four-phase, seven-step approach to help banks plan and implement their compliance with the Basel II Capital Accord.

Time for a rethink

September 2, 2004

Developing internal rating systems is a crucial first step towards mitigating credit risk under Basel II for many banks, writes H S Rajashekhar.

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