The bankers' new clothes

what's wrong with banking and what to do about it

New bank failures have been a rude awakening for everyone who believed that the banking industry was reformed after the Global Financial Crisis-and that we'd never again have to choose between massive bailouts and financial havoc. The Bankers' New Clothes uncovers just how little ...

El dinero es un velo

la historia de las leyes bancarias en España

Nuestro sistema financiero nació en los intrincados y bulliciosos zocos de las ciudades medievales de Al-Ándalus y los reinos cristianos del norte. Allí hizo su aparición, modestamente, un nuevo gremio, el de los cambistas, que con sus inconfundibles balanzas lograron poner orden entre las incontables ...

Con la banca tenemos que lidiar todos

no dejes que te engañen

Te guste más o menos, debes relacionarte con las entidades bancarias, igual que el resto del mundo. Y, si no conoces las reglas del juego, serás una presa fácil para la manipulación, el engaño o las estafas. Al fin y al cabo, un banco no ...

Un common backstop para la Unión Bancaria

la construcción jurídica del mecanismo común de respaldo financiero en la Unión Europea

La crisis financiera que comenzó en 2007 condujo a los Estados de la zona del euro a construir una Unión Bancaria para avanzar en el proceso de integración financiera y fortalecer la moneda única. La Unión Bancaria cuenta con tres pilares: el Mecanismo Único de ...

La mano visible de la banca invisible

renta y lucro extraordinario de las finanzas en América Latina

La banca latinoamericana junto a la africana son las más rentables del mundo: entre 4 y 5 veces más rentables que las de los países desarrollados. Extrae casi 100 mil millones de dólares de rentabilidad anualmente, una cifra equivalente al producto bruto de Ecuador, e ...

Transactional to transformational

how banks innovate

Through a series of case studies you are invited to meet, and learn firsthand from, the people and teams that have delivered a number of very different innovations successfully across a diverse group of banks; big and small, long established and brand new, from the ...

Breaking the bank?

the regulatory implications of knowledge. Production through indicators

In the aftermath of the 2008 financial crisis, governments introduced stress tests to measure and monitor banks’ health. Breaking the Bank? assesses whether the EU-wide banking stress test is a good regulatory tool. It deals with some of the key questions that still linger about ...

Reverse stress testing in banking

a comprehensive guide

Reverse stress testing was introduced in risk management as a regulatory tool for financial institutions more than a decade ago. The recent Covid-19 crisis illustrates its relevance and highlights the need for a systematic re-thinking of tail risks in the banking sector. This book addresses ...

UniCredit, una storia dell'economia italiana

dalla Banca di Genova al Credito Italiano 1870-1945

Il Credito Italiano nasce con la breccia di Porta Pia. Da allora è parte importante della storia dell’economia italiana. Ha una prima vita come avventurosa ‘banca locale’, per divenire poi alla fine dell’Ottocento un protagonista di primo piano della vita nazionale. Tra il ...

El cuento del dinero y los bancos como no te lo habían contado antes

"Fue Henry Ford quien dijo: "Quizás es bueno que la gente de la Nación no conozca ni entienda nuestro sistema bancario y monetario, porque si lo supieran, creo que habría una revolución antes de mañana por la mañana"". Senador Charles Binderup (1873-1950) Este libro no ...

AI and the future of banking

Artificial Intelligence (AI) technologies help organisations to get smarter and more effective over time - ultimately responding to, learning from and interacting with human voices. It is predicted that by 2020, half of all businesses will be using these intelligent, self-learning systems. Across its entire breadth ...

El libro negro del BBVA

de la oligarquía vizcaina al caso Villarejo

Desde que, allá por 1988, dos de las familias más importantes de la oligarquía vizcaína, al mando de las dos entidades financieras más importantes de Bizkaia, decidieran aparcar sus diferencias y crear el Banco Bilbao Vizcaya, el holding bancario más importante del País Vasco, el ...

Adiós a los bancos

La gran crisis de 2008 puso de manifiesto la debilidad del dinero usado en los países desarrollados. Millones de trabajadores arrojados al paro y millones de euros dedicados a salvar los bancos son algunos de los daños gigantescos que causan las crisis bancarias. El diagnóstico ...

Central Banking before 1800

a rehabilitation

Although central banking is today often presented as having emerged in the nineteenth or even twentieth century, it has a long and colourful history before 1800, from which important lessons for today's debates can be drawn. While the core of central banking is the ...

Culture, conduct and ethics in banking

principles and practice

Endorsed by the Chartered Banker Institute as core reading for its professional qualifications, Culture, Conduct and Ethics in Banking emphasises the importance of professionalism for banks, and explores how all staff play a key role in putting customers at the heart of their business. Taking ...

The purpose of banking

transforminf banking for stability and economic growth

Banks and other financial institutions play a fundamental and yet divisive role in the health of any economy. As lenders they are important to everyone seeking a mortgage or a car loan. As investors they are essential gears of economic progress. And yet when crises ...

Central Bank balance sheet and real business cycles

Central Bank Balance Sheet and Real Business Cycles argues that a deeper comprehension of changes to the central bank balance sheet can lead to more effective policymaking. Any transaction engaged in by the central bank-issuing currency, conducting foreign exchange operations, investing its own funds, intervening ...

Bank capital structure and procyclicality of leverage

This book investigates the determinants of bank capital structure and procyclical behavior of leverage. A panel data analysis is developed to find out the relation between different types of leverage ratios and asset growth of banks. Furthermore, possible impacts of bank specific and macroeconomic variables ...

Sector bancario

guía corporate compliance y protección de datos

Con la presente Guía se ofrece un modo sencillo de entender cómo y por qué de la importancia de crear una cultura corporativa sustentada en valores éticos; con el objetivo de prevenir la materialización de los riesgos penales a los que el sector bancario puede ...

The banking sector under financial stability

Many economies in the world are characterised by a bank-based financial system, that is, the financial intermediation process is mostly performed by banks. It is therefore critically important to undertake a fully-fledged analysis of the banking sector with respect to financial stability risks. The Banking ...