By Kroner Niels
'Svenska Handelsbanken' takes a clean examine the monetary situation. It units out to respond to particularly what the blunders have been that banks made and the way this might were shunned. what's distinct approximately this ebook is a close description of a giant financial institution that operates very another way from its friends and that has, therefore, recommended good away from parts that experience introduced many different banks into difficulty. this gives a couple of insights into how a extra resilient, post-credit crunch banking approach may still appear like.
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Extra resources for A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking
It is unlikely that any participant in the decision-making of a specific bank would recognise in the macro explanations what he or she has witnessed. 4 There is a strong presumption that banks collectively have made a number of mistakes that have contributed materially to the current situation. Part of the problem is that general explanations by definition assign at best a supporting role to banks themselves; they can easily 4 For instance Cohan (2009) on Bear Stearns or Walters (2008) on Northern Rock.
Fortis fell apart primarily from overstretch after acquiring part of ABN Amro, not because of problems in investment banking. Fannie Mae and Freddie Mac, rather clear-cut examples of utility banks, were not saved by their absence of investment banking operations. Similarly, Dexia’s problems may have come from its wholesale banking side, but it was a credit insurer and also very like a utility bank. On the other hand, Merrill Lynch, Bear Stearns and Lehman were pure investment banks that did not have a commercial bank and its promise of implicit government support to rely on.
16 Private equity companies have often loaded up the companies they have bought with so much debt at the peak of the economic cycle that even these very good times would have had to improve further to allow the companies to repay their loans. Canadian department store magnate Robert Campeau could bid for 16 The orthodox view in economics is that individuals rationally adjust their consumption to future expected earnings. James Duesenberry broke with this view (as had earlier economists such as Thorstein Veblen) and went back to a more sociological explanation.
A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for post-crash banking by Kroner Niels