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António Horta-Osório

António Horta-Osório moves out of his comfort zone

March 22, 2011

Lloyds Banking Group's new CEO, António Horta-Osório, had an easy option: to stay at the helm of Santander UK and await inevitable promotion. Instead, he left to front the bailed-out UK bank.

The challenge of social networking was discussed at The Banker's roundtable

New opportunities in retail banking

February 22, 2011

New technology, new players and the challenge of social networking occupied the minds of the participants in a round table discussion on retail opportunities over the next decade held by The Banker.

Still on track? The EU flag is carried from Germany to Poland. How long it will take the euro currency to follow suit is up for debate

Poland seeks answers to the euro question

December 23, 2010

Polish policy-makers appear to be pushing the prospects for euro adoption further into the future. But this still leaves the country's banks with a dilemma about how to respond to client demand for retail loans in foreign currencies. Writer Philip Alexander

Alexander Labak, CEO of Home Credit

Consumer lending moves eastwards

December 8, 2010

Home Credit Group, one of the largest unsecured retail lending specialists in eastern Europe, is pioneering the model in China and Vietnam. Writer Philip Alexander

Albanian banking sector grow

Albania's banks take small steps

November 24, 2010

Now Albania has emerged from the financial crisis in relatively sound health, its banks are setting their sights on prudent expansion.

Contactless technology has a future, but obstacles remain for the banking sector

Lack of standards hinders contactless payments

November 24, 2010

Undeterred by previous false starts, new waves of contactless payment initiatives are being unveiled. But getting the banks, retailers, software developers and customers all working in unison is proving difficult.

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The remarkable resilience of Pakistan's banks

July 28, 2010

Despite an extremely challenging fiscal, political and security environment, Pakistan's banks have remained remarkably resilient. But high interest rates, low economic activity and a bruised consumer portfolio continue to suppress loan growth. Writer Michelle Price

The core banking system market is booming

July 28, 2010

The market for core banking systems is booming, spurred on by institutions looking to provide better services and products in an increasingly competitive environment. But methods of achieving these goals vary by region and institution. Writer John Beck

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Will a new business model reinvigorate the credit card industry?

May 28, 2010

Troubled since 2005, the UK credit card industry has been suffering a severe test of profitability. But credit card issuers are hoping to rejuvenate the industry by moving to a more convenience-focused, sustainable and transparent business model.

Reaching out to the financially excluded

May 28, 2010

Banks that ignore the huge numbers of people who remain outside the financial system may be missing an opportunity to improve their image and increase their profits. Silvia Pavoni reports.

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