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Latest articles from Retail Banking

Sending money home

Sending money home: how will banks cope in a crowded remittances market?

May 1, 2013

The remittances market is too big to ignore, but with more providers entering the market and with banks struggling to respond to new regulations, how can banks stay relevant?

Germany’s sleeping sparkassen giant

April 16, 2013
Sparkassen and top 10 German banks

Taken as a single entity, Germany's savings bank sector is the second largest financial institution in the country. And, unlike the country's top 10 banks, it has been growing since 2008.

High spirits: since being elected in October 2012, Georgia’s prime minister, Bidzina Ivanishvili, and his Georgian Dream coalition have been committed to improving the country’s international relations

Georgia's banks remain unshaken by political uncertainty

April 2, 2013

As the political stand-off in Georgia between the new prime minister and president shows no sign of abating, the country’s economy is showing resilience and its banks are eyeing opportunities to strengthen growth by tapping into the country's unbanked population.

A turning point as Portugese banks seek growth

A turning point as Portugese banks seek growth

April 2, 2013

Portugal's banks have solved capital shortfalls and improved their funding positions, but finding sustainable sources of loan and revenue growth is proving more difficult.

Ireland climbs out of periphery pit

Ireland climbs out of periphery pit

March 1, 2013

Renewed access to capital markets for both the sovereign and the two largest banks has prompted hopes that Ireland will be able to exit multilateral support programmes successfully by the end of 2013.

US regional banks find different paths to growth

US regional banks find different paths to growth

January 2, 2013

While many of the US's local lenders were hit by the subprime crisis, most of the larger regional banks are now back in growth mode. The Banker profiles four such banks.

The co-operative lesson

The co-operative lesson

January 2, 2013

With a series of scandals shaking confidence in large listed banks and the financial crisis badly damaging their profits, European interest in co-operative lenders has been revived. Is this a passing phase – a knee-jerk reaction to a difficult couple of years – or is it the beginning of a larger, more permanent shift in sentiment?

The technological innovation behind making payments simple

The technological innovation behind making payments simple

December 3, 2012

At a recent round table hosted by The Banker, a panel of industry experts discussed the changing nature of technology and innovation with regards to economic and regulatory influences. The experts also considered how these factors shape the competitive landscape and create opportunities for co-operation. The event, the last in a four-part series, was sponsored by the Royal Bank of Scotland, but independently written and edited.

how Sberbank is looking beyond Russia

Gref's global vision: how Sberbank is looking beyond Russia

November 1, 2012

The acquisition of an investment bank and subsidiaries across emerging Europe are transforming Sberbank from Russia's retail savings bank of choice into a genuine international player, just as Western competitors are retreating. But its management team is treading carefully.

Correspondent banking under Dodd-Frank

Correspondent banking under Dodd-Frank, Section 1073: the new normal

October 1, 2012

The Dodd-Frank Act, Section 1073 is going to alter the practice of retail cross-border payments services – not just for US-based financial institutions but also for their correspondent banking relationships abroad. The deadline is near, but a practical solution to meet the requirements of the rule still seems far off. The Banker looks at some alternatives that have finally started to emerge.

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