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.
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.
The RBS ABN Amro Challenge
This article covers the RBS challenge in integrating ABN Amro in so far as it describes the necessary stages of the ABN separation project and the RBS integration project. Moreover, there will be a high level portrait of how an investment bank works, the Core Trading Business Model, and a representation of the Investment Bank Structural Overlay, that conveys the essence of complexity relevant to the core trading engine.
The RBS ABN Amro Challenge will focus on the three aspects that are critical:
- Part A - Risk Management
- Part B - Migration or Integration of Products
- Part C - The End State
How an Investment Bank works will supplement the RBS ABN Amro Challenge article:
There are two parts to this; The Core Trading Business Model & The Investment Bank Structural Overlay.
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Faster Payments
HBW has not just got a new article, but a whole new website dedicated to the new UK Faster Payments initiative.
We have recently updated it please click here to check it out.
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What is Howbankswork.com?
Howbankswork.com is a project to harness the power of the internet to increase co-operation across the UK Banking sector. The aim is to provide a means of co-operating that helps UK Banks solve problems and reduce costs by working together but without compromising their competitive position.
Howbankswork.com is primarily targeted at the Banking Operations community, the IT strategy and management that support them and the IT and consultancy companies that supply them
Each month we will explore a topical theme through reports and articles and you can contribute your opinions or decide what theme is explored so that together we build up an invaluable resource.
How to use Howbankswork.com
Shows articles related to a specific area of banking operations (e.g. Products Engines or Customer Relationship Management)
Allows you to read the latest articles
Enables you to view/find all articles (Chronologically or Alphabetically)
To find more in depth knowledge of industry views on a particular topic
To run a "google" type search in the entire HowbanksWork website
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