colección banca

Ladies First: Why Women Are the Key to Relationship Banking

Tue, 24 Jan 12 00:00:00 +0100

U.S. banks are seeking renewed stability in the wake of post-crisis changes-aggressive regulation and legislation, consolidation, and changing consumer attitudes and behaviors towards money.

Taxation of the financial sector. The Financial Transaction Tax (FTT)

Mon, 23 Jan 12 00:00:00 +0100

The financial sector was a major cause of the crisis and received substantial government support over the past few years. To ensure that the sector makes a fair contribution to public finances and for the benefit of citizens, enterprises and Member States, the European Commission on 28 September put forward a proposal for a financial transaction tax (FTT).

At the Tipping Point: Financial Services in Africa Comes of Age

Mon, 07 Nov 11 00:00:00 +0100

Economic development in Africa, one of the world's fastest-growing emerging markets, continues to rely on a strong banking sector. To provide economy-boosting financial services and infrastructure more effectively in Africa, major banks are now actively investigating how best to expand their footprint there.

Complex Imperatives: The Indian Banking Customer Experience

Fri, 04 Nov 11 00:00:00 +0100

As bank brands become increasingly commoditized and competition grows more intense, customer loyalty has all but vanished. In this environment of complex imperatives, understanding the factors that drive loyalty, and managing these factors successfully, is critical to staying relevant, competitive and profitable.

Global banking: Foresights and insights (Video IV)

Thu, 03 Nov 11 00:00:00 +0100

Ernst & Young and Wharton discuss retail banking issues including greater consumer skepticism, shifting credit and investments needs and new customer-service opportunities through evolving technologies.

Brazil's Banks: How They Could Handle Credit Concerns

Wed, 02 Nov 11 00:00:00 +0100

Over the past few years Brazil has experienced the benefits of economic stability and growth, prompting the migration of almost 30 million people to the middle class and a new level of purchasing power. However, Brazil's strong domestic demand leaves many investors wondering: Has the country come too far too fast? In this podcast, Standard & Poor's credit analyst Milena Zaniboni discusses Brazil's rapid growth surge and explains why we expect banks to deal effectively with any looming risks.

How Basel III and Solvency II Could Affect European Corporate Borrowing

Mon, 31 Oct 11 00:00:00 +0100

With the upcoming introduction of revised international regulatory standards, Basel III and Solvency II, Standard & Poor's believes that European corporates could feel their effects more harshly than their U.S. counterparts because they typically rely more on banks for funding relative to capital market sources. In this CreditMatters TV segment, Standard & Poor's Chief Credit Officer Blaise Ganguin discusses the details of the new regulatory standards and their influence on European corporate borrowers.

Basel III: Why Most Asia-Pacific Banks Are Better Off Than Their Global Peers

Fri, 28 Oct 11 00:00:00 +0200

Most banks in Asia-Pacific are unlikely to face significant difficulty complying with Basel III's higher capitalization requirements in 2013, according to a recent Standard & Poor's report. But some may struggle more than others. In this podcast, Standard & Poor's Managing Director Naoko Nemoto explains why most Asia-Pacific banks are likely to meet the requirements while some may have difficulty.

New Revenue Streams in Investment Banking

Thu, 21 Jul 11 00:00:00 +0200

Watch the Accenture's video podcast and learn how emerging markets, private banking services and new products will generate opportunities for investment banks.

The Potential Credit Implications Of Not Raising The U.S. Debt Ceiling On Time

Tue, 12 Jul 11 00:00:00 +0200

U.S. policymakers continue their discussion about whether to raise America's debt ceiling above its current level of $14.3 trillion. Standard & Poor's has observed that any failure to raise the debt ceiling would cause significant and long-lasting financial and economic disruptions. In this CreditMatters TV interview, Paul Coughlin, Standard & Poor's executive managing director, discusses our views on the potential impact on the U.S. economy and the financial markets if the debt cap issue is not resolved in a timely manner.

Cómo han impulsado los bancos mexicanos la calidad de su capital

Tue, 12 Jul 11 00:00:00 +0200

A pesar de las crisis económicas y del consiguiente incremento en la regulación, el sistema bancario mexicano ha mantenido un nivel de capitalización que se compara favorablemente con los bancos en todo el mundo. En opinión de Standard & Poor's, el capital ajustado por riesgo del sistema tiene una alta calidad y se sitúa en 10%; los bancos han mejorado la calidad de sus carteras de crédito desde 2007. En este podcast, Angélica Bala, Senior Director en Standard & Poor's nos habla sobre la trayectoria y el panorama para los bancos en México.

The (Next) Financial Crisis

Mon, 11 Jul 11 00:00:00 +0200

Nicholas Dunbar, author of The Devil's Derivatives: The Untold Story of the Slick Traders and Hapless Regulators Who Almost Blew Up Wall Street ... and Are Ready to Do It Again.

BBVA. The Web 2.0 Innovation (Re)-Evolution

Mon, 11 Jul 11 00:00:00 +0200

BBVA - The Web 2.0 Innovation (Re)-Evolution provides details of the banks Innovation and Transformation journey that began in 2007. This case focuses specifically on the Web 2.0 applications that BBVA developed during this period and the part they played in the company's strategy. This case is organized through a timeline with video interviews which allow students to review the situation of the company before the Innovation and Transformation journey, as well as to consider challenges that this plan could bring in the future.

Top 10 Financial Institutions on Facebook Globally (June 2011)

Tue, 28 Jun 11 00:00:00 +0200

I believe the financial services industry worldwide was lacking of a comprehensive benchmark on social media activity on more and more popular online communities like facebook or twitter. This is precisely why back in early 2009 me and my team at Visible Banking started tracking the social media presence of banks, insurance, investment firms and more widely financial services firms all over the world.

Innovation in Payments for Banking

Mon, 06 Jun 11 00:00:00 +0200

As the value of e-commerce transactions continues to grow, competition for the payments market is heating up and European banks are beginning to take notice. This podcast considers innovations like iDeal in the Netherlands-which leverages existing bank infrastructure to facilitate direct transfers between consumer and merchant accounts-and the feasibility of replicating this model elsewhere.

The future of consumer lending. Big need means big opportunity

Tue, 24 May 11 00:00:00 +0200

A significant market segment is emerging as a result of the financial crisis. According to a recent survey conducted by the Deloitte Center for Financial Services, 22 percent of Americans with bank accounts experienced a serious negative credit situation during the last two years, and 11 percent were first-time defaulters - consumers who had never fallen into delinquency before.

Outsourcing Opportunities and Strategies for Global Fund Managers

Fri, 20 May 11 00:00:00 +0200

The investment management industry has come under serious pressure in the wake of the credit crisis. As investors and regulators become more demanding and compliance costs rise, fund managers are trying to rebuild their margins and enhance battered returns. A recent survey of asset managers conducted by RBC Dexia and Accenture suggests that costs can be reduced by up to 20% in the short term, and more in the longer term, through outsourcing.

Despite Their Strength, China's Banks Face Testing Times Ahead

Wed, 18 May 11 00:00:00 +0200

The Chinese banking sector still faces a number of obstacles down the road, despite the major banks' generally strong positions. Banks' exposure to local government financing vehicles and the property sector are currently hot industry topics. In this CreditMatters TV segment, Managing Director Ryan Tsang, Financial Institutions, takes an in-depth look at these issues and the trends shaping China's banks.

International banking

Fri, 13 May 11 00:00:00 +0200

The world's banking industry faces massive upheaval as post-crisis reforms start to bite, says Jonathan Rosenthal in his special report.

How ING Direct Reengineered Banking

Wed, 11 May 11 00:00:00 +0200

Chairman Arkadi Kuhlmann on creating a new banking experience for consumers.

Why Italian Banks Face A Tricky Recovery?

Tue, 26 Apr 11 00:00:00 +0200

Italy's banks are slowly digging out of one of the deepest recessions in the past half century, as the country's GDP declined a cumulative 6% in 2008-2009. But banks are climbing over difficult and new terrain, such as persistently slow domestic economic growth, much higher prices for wholesale funding due to sovereign credit worries in the eurozone, and tougher capital rules in the run-up to Basel III. In this podcast, Standard & Poor's credit analyst Renato Panichi provides an in-depth look at the situation and what could lie ahead.

Kenya banking performance

Mon, 25 Apr 11 00:00:00 +0200

Total assets in Kenya's banking sector grew by 27 percent from 1.325 billion shillings in 2009 to 1.678 billion shillings in 2010 with profit before tax for the sector recording a 61 percent climb or 77billion shillings. Analysts at rsm ashvir consultants however note significant investment is risk free government securities at the expense of onlending to the public and want the government to cut rates in its securities to spur lending to the borrowing public.

Partnering to Beat ACH Fraud

Tue, 12 Apr 11 00:00:00 +0200

Ben Knieff, who oversees fraud prevention strategy for NICE Actimize, says most small businesses don't understand online fraud risks, but they are willing to work with banks to mitigate losses. That's just one of the takeaways, Knieff says, from a recent survey of small businesses commissioned by NICE Actimize. According to the survey, which included responses from 315 small to medium-sized U.S. commercial customers, shows that beyond the prevention of ACH fraud, merely taking steps to reduce fraud improves the overall relationship between financial institutions and their commercial customers.

Portugal: What Standard & Poor's Downgrade Means For The Country's Banks

Mon, 11 Apr 11 00:00:00 +0200

Since March 28th, 2011, Standard & Poor's has downgraded, by several notches, the five Portuguese banks that they rate to 'BBB-'. S&P has also lowered the short-term ratings to 'A-3'. The outlooks on four of the five banks are negative. One bank still remains on CreditWatch negative. What prompted their rating actions on the banks? In this podcast, Director Elena Iparraguirre explains their rationale, why they feel sovereign risk and banks' ratings are so tighthly correlated, and their main expectations for the Portuguese financial system.

Why Spanish Banks Still Face Difficulties In 2011

Thu, 17 Mar 11 00:00:00 +0100

Despite a moderate economic recovery, Spanish banks face another year of obstacles and uncertainty as the industry attempts to significantly transform itself. In this CreditMatters TV segment, Standard & Poor's Director Elena Iparraguirre discusses the major implications of restructuring, the industry's strengths and weaknesses, consolidation, and our outlooks for 2011 and 2012.

How Tougher Regulations Would Prompt French Banks To Bolster Capital

Thu, 17 Mar 11 00:00:00 +0100

French banks continue to post adequate results and benefit from sound asset quality. However, they will continue to operate in a constraining playing field featuring low domestic economic growth, uncertain capital markets, and stricter regulations. The tighter regulatory regime should prompt banks to bolster their capital. In this CreditMatters TV video, Standard & Poor's Director Elisabeth Grandin takes an in-depth look at the situation.

The Point: Predicting the Future

Wed, 09 Mar 11 00:00:00 +0100

The global financial crisis has shown, for better and worse, the power of analytics in financial services. Many firms owed their misfortunes to the imprudent application of inappropriate analytics technologies, as was the case when firms placed excessive reliance on inadequate quantitative models. However, the companies that have emerged strongest from the crisis, so strong that regulators called on them to rescue others, owe a great deal to the astute use of real-time predictive analytics.

What’s Behind Chinese Real Estate Developers' Aggressive Debt Issuances?

Tue, 08 Mar 11 00:00:00 +0100

Since the start of 2011, Chinese developers have raised more than US$3 billion in the bond market, following a record-setting year in 2010, when new issuances from this sector totaled close to US$8 billion. In this podcast, Bei Fu, Standard & Poor's Director of Corporate and Infrastructure Ratings, will discuss the rating implications of aggressive bond issuances by China's real estate developers. She will also share her insight on the potential risks that these companies are likely to face.

Canadian Banks 2011

Mon, 07 Mar 11 00:00:00 +0100

Canadian banks will be focusing their attention on pursuing growth, managing risks and investing in innovation, state the authors of Canadian Banks 2011: Perspectives on the Canadian banking industry. This year, the annual report includes perspectives from leading financial services investment managers and analysts along with a video with PwC's banking leaders.

Asian Central Banks face the challenge of managing inflation and capital inflows

Thu, 03 Mar 11 00:00:00 +0100

The risks of a double-dip recession may have receded, but inflation is hogging the headlines again. Asian central banks are about to face another challenging year in 2011, responding to inflation and struggling to deal with capital inflows.

Situación actual de la calidad crediticia en América Latina

Fri, 18 Feb 11 00:00:00 +0100

En este segmento de CreditMatters TV, Joydeep Mukherji, senior director, y Lisa Schineller, director, ambos de Calificaciones Soberanas para América Latina, revisan la situación actual de la calidad crediticia en la región, donde Standard & Poor's tiene calificaciones de grado de inversión para cinco países. Asimismo, nos hablan de los retos que enfrentan Brasil y México.

Perspectives on Distressed Debt

Fri, 18 Feb 11 00:00:00 +0100

The economic downturn forced many financial institutions to face serious questions about their debt portfolios. While tackling significant loan challenges, some of these institutions have also had to deal with the added pressures of new industry regulations and investor expectations.

What happened to the CDS Market in 2010?

Sun, 13 Feb 11 00:00:00 +0100

Recently issued, S&P Indices' Credit Default Swap Indices Annual Report analyzes the CDS market in 2010, as measured by the S&P CDS Indices. Listen to Mike Kondas, S&P Fixed Income Indices Analyst and report contributor, discuss key highlights from the paper and provide a birds-eye view of the CDS market over the past year.

Mobile Banking

Sun, 13 Feb 11 00:00:00 +0100

Mobile banking growth in the United States continues to be fueled by aggressive adoption of smartphones and regular mobile Web use, according to Forrester Research. The problem with this scenario, as noted in the Forrester report "U.S. Mobile Banking Forecast, 2010 To 2015" is that consumers are still struggling to figure out exactly how they will use mobile banking.

Interview: CeCe Morken, Intuit Financial Services

Fri, 11 Feb 11 00:00:00 +0100

CeCe Morken, President of Intuit Financial Services, discusses how the banking industry has evolved rapidly over the past decade. She also highlights how regulatory and economic requirements, more non-bank competitors, disruption of the established business model, and a dramatic shift in customer behaviors and mindset will continue to fuel change in the banking industry.

Forecasting Cloud Computing: Opportunities for Banking

Mon, 31 Jan 11 00:00:00 +0100

Cloud computing can cut costs, increase efficiency and help banks achieve competitive differentiation. In this podcast, Accenture's Daniel Benton outlines opportunities for banks that use cloud computing, including the ability to: Outsource parts of the business process, Provide an improved customer experience, Bypass legacy systems and Manage data and analytics more efficiently.

The Naked Swimmer: Can Spain (and the Euro) overcome this crisis?

Wed, 19 Jan 11 00:00:00 +0100

Spain is widely considered the weak link in the Euro construction. This audio examines the validity of this assumption by analysing the origins and evolution of the current crisis and the growth perspectives of Spain.

Convergence of Accounting Standards

Wed, 05 Jan 11 00:00:00 +0100

In this episode, Karl Debenham shares his views on the benefits and implications of the convergence of GAAP and IFRS.

The State of European Banks and Credit Markets after the Financial Crisis

Tue, 04 Jan 11 00:00:00 +0100

In this episode, Matt King discusses how recent regulation affects credit investors and markets, noting that these are palliatives that are overshadowed by huge debt accumulation.

Too Big to Fail — Explained in a Few Steps

Sun, 28 Nov 10 00:00:00 +0100

The biggest financial crisis since the Second World War created difficulties for banks all over the world, some of which were only rescued from bankruptcy through state intervention. The following short video shows the most promising way of protecting taxpayers from financial crises in the future.

EPC Calls On EU Lawmakers To Set End Dates For Migration To SEPA Credit Transfer and SEPA Direct Debit

Mon, 22 Nov 10 00:00:00 +0100

The podcast "EPC calls on EU lawmakers to set end dates for migration to SEPA Credit Transfer and SEPA Direct Debit" sums up the latest developments related to the progress of the SEPA roll-out and stresses the need to set clear deadlines through EU Regulation for the replacement of existing national euro credit transfer and euro direct debit schemes by the SEPA payment schemes.

Research Paper: Access to Volatility via Listed Futures

Sat, 13 Nov 10 00:00:00 +0100

While it is impossible to directly access spot volatility, futures and futures-based indices can provide broad access to what has been dubbed the "investor fear gauge". The term structure of volatility has a profound impact on index characteristics and is key to efficient usage of these instruments.

Global Financial Turmoil Highlights Counterparty Risk In Securitizations

Sun, 07 Nov 10 00:00:00 +0100

Almost all structured finance transactions depend on counterparties to help them meet their payment obligations. In the past few years, major financial institutions that served as counterparties in a number of securitizations became insolvent. These experiences, along with the evolving characteristics of the world's financial system, have led to a reassessment of counterparty risk by market participants. In this CreditMatters TV segment, Andrew South, Standard & Poor's Head of European Structured Finance Research, discusses some of the risks, drawing on recent case studies.

Standard & Poor’s Takes On FASB’s Proposed Financial Instrument Accounting Changes

Fri, 05 Nov 10 00:00:00 +0100

The Financial Accounting Standards Board (FASB) recently proposed adjusting its standards for how companies should account for and report their financial instruments, hedging activities, and derivatives instruments. In this CreditMatters TV segment, Standard & Poor's Senior Director Joyce Joseph discusses our responses to the proposal. Topics include fair value, credit impairment, hedge accounting, and how FASB's financial instrument proposal differs from the International Accounting Standards Board's existing and proposed standards.

Falling Prices, Foreclosures and Fear: What's Next for the Housing Market?

Tue, 02 Nov 10 00:00:00 +0100

Knowledge@Wharton spoke with Wharton real estate professor Susan M. Wachter about the housing market's slow recovery, the prospect of another sharp dip in prices, the effect of foreclosures on the economy, and what it will take to get the market back on track.

Analiza la innovación financiera

Wed, 27 Oct 10 00:00:00 +0200

Mientras que la innovación en los negocios es generalmente considerada como algo bueno, en el ámbito financiero ha sido objeto de críticas severas ya que las innovaciones difíciles de comprender tales como derivados de CDOs y CDSs fueron responsabilizados en gran medida por la crisis financiera. Hablando aquí con Gillian Tett del Financial Times en el World Business Forum, Paul Krugman describe cómo él considera que la innovación financiera debería ser gestionada.

Worlds Apart: What's Behind the U.S.-China Currency Dispute?

Mon, 25 Oct 10 00:00:00 +0200

Faced with the possibility of a global currency war, Western countries are increasing their scrutiny of China's currency policies, accusing Beijing of intervening in the markets to keep China's currency weaker than it would be otherwise. Knowledge@Wharton spoke with Wharton finance professor Franklin Allen and Wharton management professor Mauro Guillen about what is at stake, and why this particular conflict is so difficult to resolve.

The Coming Meta-Boom and Meta-Bust - One Economist's View

Mon, 25 Oct 10 00:00:00 +0200

Simon Johnson, a former chief economist for the International Monetary Fund and author of 13 Bankers: The Wall Street Takeover and the Next Financial Meltdown, says the recently passed Dodd-Frank Financial Reform Act does little to prevent the biggest financial risk of our time -- banks that are becoming "too big to save," either because potential losses could overwhelm government resources, or the public will refuse to sanction another large bailout.

Fixing the euro zone

Fri, 22 Oct 10 00:00:00 +0200

Jean Pisani-Ferry, director of the Brussels think-tank Bruegel, on new plans to strengthen Europe's economic governance.

The world economy. Growth tonics

Mon, 18 Oct 10 00:00:00 +0200

A special report on the world economy lays out the options for avoiding a decade-long slump.