Study Group: Retail & Commercial Bankers: Europe(?)

Banks are already focusing on high net worth individuals, sovereign wealth plans (either commodity or export based), revised property derivatives and top performing industries rather than small businesses. Anyway, banks have to meet their targets, despite this increase in foreclosures. So, they must...

2008 has witnessed a watershed in UK commercial finance lending, especially asset based finance.  The lack of liquidity has put pressure on bank owned and privately owned asset based financiers to meet demand from its clients for additional or even sometimes, existing debt facilities. There are...

The article does not adequately explain all the issues. Trading Assets are assets which the institution intends to sell and mark to market adjustments are recognized in the income statement. Assets which an institution does not intend to sell, except in exceptional circumstances, are classified...

Banks are a main driver in our economic system both in growth and employment. Their use of moving "risky assets" outside their balance sheet is dangerous and it takes risk far from the only one that can really manage it. This habit has gone on for too long and will not be fixed overnight.

1)After rescue of IKB and Sachsen LB the pressure on German politicians to get out of banking is becoming stronger. 2)The German Banking is overcrowded with banks such as private banks, saving banks and deposit taking cooperatives. Due to insufficient profitability restructuring of certain institutions...