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Viewing all reports
This page presents an alphabetical list of all the reports released on Howbankswork.com to date.
Click here to view reports in chronological order
The Credit Crunch - so what for IT and Operations?
This article covers what has happened to Interbank markets over the last 6 months, why this has happened and the expected impact on IT and Operations.
There are two main areas of change as a result of the credit crunch for IT and Operations;
- Stop / Run down programmes
- New MI based on Capital
These are discussed further in the article.
The Appendix to the Credit Crunch article
This Appendix highlights why Banks lend to each other and the three means that are used;
- Money Market Loan and Deposits
- Syndicated Loans and Loan Markets
- Securitisation and CDOs
These mechanisms, whist technically independent are not completely so. If for some reason banks are unwilling to lend to a particular banking organisation it is probably because they do not believe that organisation’s loans to its customers are very good. Hence trying to sell these loans via Syndicated Lending or Securitisation may not be fruitful either.
Report 9.3: Accounting in banks
This article aims to give its reader an idea of how bank accounting works and who uses it. We also give examples of yearly produced reports; the P&L, the balance sheet and the cash flow statement.
Real time accounting in banks
This report looks at the benefits of real time accounting against a typical Core banking System
Report 5.1: Why are the AD Departments of big banks so unproductive and what can business managers do about it?
This report considers the unproductivity of the Applications Development departments of big banks and suggests how this can be overcome.
Collection Accounts and Agency Banks
This report explains how main clearing banks provide special services for organisations receiving very large numbers of payments and small banks or building societies who do not want the hassle of running their own clearing and payments operations.
Report 5.2: How does AD work increase with size department?
This report considers the unproductivity of Application Development Departments of big banks and suggests how this can be overcome.
The Anatomy of an Investment Bank.
This report describes the key aspects of an Investment Bank.
The banking operation framework
This article shows an abstract conceptualisation of a Bank's operations
Basel II and IAS 39: An overview
This report explains what Basel II and IAS 39 are.
Implications of Basel II and IAS 39 for Business Operations and IT systems
This report describes the likely impact of Basel II and IAS 39 on current business operations and IT systems
Report 2.1: What is Basel II?
This report gives a summary of Basel II and describes the regulatory imperatives for better MI on Risk
Report 2.4: Basel Operational Risk Implications
This report describes what new business processes and MI will be required to support
Basel II
Report 1.5: A guide to successful Business Process Outsourcing
This report examines what factors make for a successful outsourcing arrangement and what conditions / factors are likely to be detrimental.
The Credit Crunch - so what for IT and Operations?
This article covers what has happened to Interbank markets over the last 6 months, why this has happened and the expected impact on IT and Operations.
There are two main areas of change as a result of the credit crunch for IT and Operations;
- Stop / Run down programmes
- New MI based on Capital
These are discussed further in the article.
The Appendix to the Credit Crunch article
This Appendix highlights why Banks lend to each other and the three means that are used;
- Money Market Loan and Deposits
- Syndicated Loans and Loan Markets
- Securitisation and CDOs
These mechanisms, whist technically independent are not completely so. If for some reason banks are unwilling to lend to a particular banking organisation it is probably because they do not believe that organisation’s loans to its customers are very good. Hence trying to sell these loans via Syndicated Lending or Securitisation may not be fruitful either.
New Rules for the Cheque Clearing System
This article provides an explanation of the Government changes and their impact Clearing Bank and non-Clearing Bank cheque processes.
UK Cheque Clearing for Clearing Banks
Explanation of the cheque clearing process for Clearing Banks in the UK
UK Cheque Clearing for non-Clearing Banks
Explanation of the cheque clearing process for non-Clearing Banks in the UK
Report 1.4: Service Channels and recent Banking Strategies
This report relates the strategies and technologies discussed in report 1.1 specifically to sales and service channels.
Collection accounts and Agency Banks
This report explains how main clearing banks provide special services for organisations receiving very large numbers of payments and small banks or building societies who do not want the hassle of running their own clearing and payments operations.
Report 1.2: Core Banking Processes and Recent Strategies
This report specifically examines recent strategies and technologies in relation to the Core Banking engine (see the Banking Operations Framework) and assesses success / failure
Economics of cross-border bank systems integration
In this article we explore the main areas of cost difference between a cross border integration and a within country integration.
Report 1.3: Customers and Recent Banking Strategies
This report principally examines how recent banking strategies are likely to affect customers. This is illustrated with two exmaples of how a customer might perceive the changes within a bank
Development of Payment Systems within Banks
The new industry driven real time payments for internet banking, telephone banking and standing orders will cause banks’ IT departments to re-engineer their core banking systems. This will be a major area of systems development over the next few years and this article describes the impacts by systems area.
Economics of cross-border bank systems integration
In this article we explore the main areas of cost difference between a cross border integration and a within country integration.
Report 6.1: The Evolution of Banking Systems
This report maps the history of the development of new banking systems accounting for new technologies and banking services.
Report 9.2: How do banks make their money?
In this article we analyse the two main forms banks use to make their income.
The banking operation framework
This article shows an abstract conceptualisation of a Bank's operations
Functional differences between a cross border integration and a single country one
This articles categorises the changes that are required for a cross border integration in four aread of the Bank; Channels, CRM, MI, Gateways and Engines.
The Anatomy of an Investment Bank.
This report describes the key aspects of an Investment Bank.
Development of IT Security
IT is full of complexity particularly around IT security. The aim of this article is to try and describe the IT security environment of the bank in such a way that it is understandable to analysts as well as business programme managers who have to face off to the IT professionals on the AIP security programme.This article consists of two parts:
Report 2.2: What is IAS 39?
This report describes the key aspects of accounting in Banks that are likely to change with IAS 39
Implications of Basel II and IAS 39 for Business Operations and IT systems
This report describes the likely impact of Basel II and IAS 39 on current business operations and IT systems
Cross-border bank systems integration
In this article we explore the main areas of cost difference between a cross border integration and a within country integration.
Report 4.1: Risk Assessment and IT Investment
This report highlights an alternative way of considering how the IT Investment Budget is allocated.
Syndicated Lending (Loan Markets): This article is broken down into four parts
Most people understand the ideas behind retail bank lending (such as house mortgages or overdrafts) from personal experience. The currently booming world of syndicated lending and loan markets is much more opaque.
The purpose of this paper is to open this up. It explains how it works and some of the trends taking place; in particular why banks are currently investing in IT projects in the back offices of their syndicated loans departments
The Appendix to the Credit Crunch article
This Appendix highlights why Banks lend to each other and the three means that are used;
- Money Market Loan and Deposits
- Syndicated Loans and Loan Markets
- Securitisation and CDOs
These mechanisms, whist technically independent are not completely so. If for some reason banks are unwilling to lend to a particular banking organisation it is probably because they do not believe that organisation’s loans to its customers are very good. Hence trying to sell these loans via Syndicated Lending or Securitisation may not be fruitful either.
What is a merchant Acquirer?
Under what is called the SEPA Cards Framework (SCF) there is a drive to standardise the interface between Merchants and Merchant Acquirer (click here for an explanation of what a merchant acquirer is).
Report 2.3: MI Systems Architecture Implications of Basel II and IAS 39
This report describes the current MI systems of UK Clearing Banks and relates the requirements of Basel II and IAS 39 to the gaps in these systems
Report 3.1: How Might Mobile Payments Work?
This report outlines how mobile payments are working and/or are likely to work, relative to Person to Person and Person to Merchant payments.
Report 3.2: Reasons Why a Bank Could Want Mobile Payments
This report outlines the reasons why a bank could want to invest in the mobile payment technology.
Report 9.2: How do banks make their money?
In this article we analyse the two main forms banks use to make their income.
Report 1.5: A guide to successful Business Process Outsourcing
This report examines what factors make for a successful outsourcing arrangement and what conditions / factors are likely to be detrimental.
Report 1.1: Banking Operations Strategies & Technologies
This report provides a detailed examination of the key strategies and technologies currently being pursued in UK Banking Operations departments. These trends include centralising processing, outsourcing and the separation of service and processing
A Passage to India
Boston Consulting Group's thought-provoking article on the march offshore, particularly to India, assesses why it makes good business sense for financial institutions to outsource overseas.
Report 8.1: The Outsourcer's view - An Interview with Unisys
To accompany the above report ( Substantial Cost Reductions to Europe's Payments), Howbankswork.com held an interview with Mike Eaton and Gerry Heard of Unisys, to gain an alternative perspective on outsourcing.
The Payment Services Directive (PSD) has not received anything like the media air time that SEPA has but for a UK bank it is actually a more important set of changes.
The article is broken into the following sections:
Report 7.2: Payment system structure
Report 7.3: Foreign currency payments - Cost saving opportunities
Report 7.4: Low value Payments - Cost saving opportunities
These reports explore the European Payments System and investigate how efficiencies and cost savings are acheived
Report 3.1: How Might Mobile Payments Work?
This report outlines how mobile payments are working and/or are likely to work, relative to Person to Person and Person to Merchant payments.
A Passage to India
Boston Consulting Group's thought-provoking article on the march offshore, particularly to India, assesses why it makes good business sense for financial institutions to outsource overseas.
Development of Payment Systems within Banks The new industry driven real time payments for internet banking, telephone banking and standing orders will cause banks’ IT departments to re-engineer their core banking systems. This will be a major area of systems development over the next few years and this article describes the impacts by systems area.
Report 7.1: How Can We Make Substantial Cost Reductions to Europe's Payments?
With Europe's hundreds of banks collectively knit together, one would expect the European Payments system to be fundamentally efficient. However, this is not the case.Our report investigates why this is the case and considers how cost savings can be made, paving the way for substantial economic growth.
Report 1.2: Core Banking Processes and Recent Strategies
This report specifically examines recent strategies and technologies in relation to the Core Banking engine (see the Banking Operations Framework) and assesses success / failure
The RBS ABN Amro Challenge.
This report describes the key aspects of the RBS ABN Amro integration project.
Real time accounting in banks
This report looks at the benefits of real time accounting against a typical Core banking System
Report 4.1: Risk Assessment and IT Investment
This report highlights an alternative way of considering how the IT Investment Budget is allocated.
The Risk Market
This article is based around an interview between Ray O'Brien - managing director of risk consultancy E1Works - and the Howbankswork team. The interview provides some interesting views on the risk work currently developing in the major Banks and what the solutions are likely to be.
The Appendix to the Credit Crunch article
This Appendix highlights why Banks lend to each other and the three means that are used;
- Money Market Loan and Deposits
- Syndicated Loans and Loan Markets
- Securitisation and CDOs
These mechanisms, whist technically independent are not completely so. If for some reason banks are unwilling to lend to a particular banking organisation it is probably because they do not believe that organisation’s loans to its customers are very good. Hence trying to sell these loans via Syndicated Lending or Securitisation may not be fruitful either.
SEPA - Single European Payments Area
SEPA is just for European banks, right? Wrong! UK banks have to do quite a lot. Find out what...
Development of IT Security
IT is full of complexity particularly around IT security. The aim of this article is to try and describe the IT security environment of the bank in such a way that it is understandable to analysts as well as business programme managers who have to face off to the IT professionals on the AIP security programme.This article consists of two parts:
Report 9.1: Sarbanes-Oxley Act?
In this article we explain what the Sarbanes-Oxley act involves, why it was introduced and who it affects within the bank.
Report 6.1: The Evolution of Banking Systems
This report maps the history of the development of new banking systems accounting for new technologies and banking services.
Report 1.1: Banking Operations Strategies & Technologies
This report provides a detailed examination of the key strategies and technologies currently being pursued in UK Banking Operations departments. These trends include centralising processing, outsourcing and the separation of service and processing
Report 1.4: Service Channels and recent Banking Strategies
This report relates the strategies and technologies discussed in report 1.1 specifically to sales and service channels.
How much are your Bank's systems worth?
Business users often consider their Bank's systems to be hugely expensive and highly inflexible to change. This article argues that this perception is in part a product of undervaluing the core systems. A 'Value Model' is provided to help you realise the true value of your Bank's systems
Development of Payment Systems within Banks
The new industry driven real time payments for internet banking, telephone banking and standing orders will cause banks’ IT departments to re-engineer their core banking systems. This will be a major area of systems development over the next few years and this article describes the impacts by systems area.
Syndicated Lending (Loan Markets): This article is broken down into four parts
Most people understand the ideas behind retail bank lending (such as house mortgages or overdrafts) from personal experience. The currently booming world of syndicated lending and loan markets is much more opaque.
The purpose of this paper is to open this up. It explains how it works and some of the trends taking place; in particular why banks are currently investing in IT projects in the back offices of their syndicated loans departments
Report 1.1: Banking Operations Strategies & Technologies
This report provides a detailed examination of the key strategies and technologies currently being pursued in UK Banking Operations departments. These trends include centralising processing, outsourcing and the separation of service and processing
Report 8.1: The Outsourcer's view - An Interview with Unisys
To accompany the above report ( Substantial Cost Reductions to Europe's Payments), Howbankswork.com held an interview with Mike Eaton and Gerry Heard of Unisys, to gain an alternative perspective on outsourcing.
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