Latest articles from Comment

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Obituary: Emilio Botín

Brian Caplen remembers Santander chairman Emilio Botín, who died in September.

Brian Caplen

Banks must arm themselves for the age of cyber warfare

The dangers of cyber attacks are rapidly becoming apparent to banks, which are having to arm themselves against this new threat at a time when they are already grappling with capital, liquidity and governance risks.

Russia sanctions bring new wave of compliance risks

The speed and scope of sanctions imposed on Russia since the start of the crisis in Ukraine have forced many companies to enhance their compliance infrastructure and rewrite contracts to restrict potential liabilities from sanctions breaches.

Welcome to the great macroprudential experiment

Until a countercyclical buffer has been deployed through an entire cycle, we have no idea how effective it will be. 

The UK is already ‘out’ of Europe

As the divide between eurozone and non-eurozone countries grows, the question of whether the UK should stay in the EU becomes less and less relevant.

The heat is rising on the interest rate debate

The hot topic at this year's annual meeting of central bankers in Jackson Hole, US, will be interest rates – with developed economies still cautious about raising their rates and emerging economies becoming increasingly frustrated by this inaction.

Regulation is pushing in the wrong direction

Far from tackling the problems that led to the global financial meltdown, new regulation is steering the banking sector towards yet another crisis.

IFRS adds new complications to accounting mix

The IFRS's latest attempt to simplify international accounting rules scores some small victories, but it also introduces a number of significant new problems into the accounting equation.

The asset quality review: a bitter pill for banks

Greater regulatory scrutiny in Europe is compelling banks to better understand their data and consider tough strategic decisions. 

Bill Rhodes

The challenges of culture, conduct and reputation

It is almost unanimously agreed that changes need to be made to improve the banking culture, but it is important to set realistic and workable targets that support the banking business model.

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