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November 19, 2018

From risk appetite to caution

It is still too early to take stock of the year but, with a little more than a month to go until it ends, everything indicates that 2018 will have been the year in which the financial markets ran head on into reality. In 2017 a very positive tone dominated the markets, due to a combination of factors that shaped a very favo…

March 26, 2018

Are bad banks good?

The European Commission recently issued a guide for countries wishing to be able to create bad banks for the purpose of managing their banks’ impaired assets, whether loans or repossessed assets. A bad bank is a public or private sector entity that acquires these assets and has an extended period in which to liquidate them …

June 28, 2017

Interest margins and efficiency. The impact of the crisis across EU countries

On the wake of the financial crisis, European banks undertook an important restructuring effort. This process was steered by the reaction of investors and public authorities, which adopted new regulation and implemented accommodative monetary policy. Despite the European harmonisation, idiosyncratic country factors led to a…