Management Drivers in Banking

Management Drivers in Banking

The success of a bank lies in the management and interplay between a number of important banking concepts. These concepts are manifested in the nature of a bank’s lending and borrowing habits, the quality of investments made by the bank and the conflict that exists...
Cheque Clearing

Cheque Clearing

In early March 2014, the UK Government proudly announced proposals to improve paper cheques as a payment instrument.  A few years ago, the banks tried to kill off cheques and (rightly) were told off, but now, just when plausible alternatives are starting to emerge,...
Banking Commission – PART 2

Banking Commission – PART 2

Independent Banking Commission Separation In order to satisfy the Banking Commission’s spirit (as opposed to the letter of whatever the commission comes up with) there appear to be four levels of separation required. Legal Entity Separation; Operational Separation;...
Banking Commission – PART 1

Banking Commission – PART 1

How are Retail and Investment Banking connected and how did this come about (Bank Group Treasury)? Money Markets Let us consider the simplest retail bank imaginable, a small credit union or building society (a savings and loans bank in international banking jargon)....