Andrew Burns
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Analysis and statistical appendix
2005
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Abstract
The report also benefited from the comments of the Bank's Executive Directors, made at an informal board meeting on March 8, 2005. Many others provided input, comments, guidance and support at various stages of the report's preparation.
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Over the past decade or so, banks have been affected by an array of shocks, which have transformed the industry. The global financial crisis of 2007-2008 coupled with the euro sovereign debt crisis of 2010-2012 and the subsequent recessions in many countries all combined to create a new macroeconomic environment with slower economic growth, low (or negative) interest rates and a new policy environment (where credit and quantitative easing and other alternative monetary policies are prevalent). All these forces have affected the performance and strategies of banks. Extensive regulatory and supervisory reforms have also taken place in order to reduce the risks in the banking and wider financial services sector (Berger, Molyneux and Wilson, 2015). In the United States, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 has introduced controls designed to reduce the likelihood of future taxpayer bailouts of major banks by limiting proprietary trading and other volatile business areas. Similar major reforms have taken place in the European Union, not least the moves to create a European Banking Union and the introduction of a Single Resolution Mechanism that became partially operational after the x Corresponding editor. * The Guest Editors would like to thank the General Editors, Professor Nathan Joseph and Professor Alan Lowe for commissioning this special issue and for providing advice and guidance throughout the process. Thanks also go to Shereen Awan at the British Accounting Review and Shona Deigman at the University of St Andrews for administrative assistance. We wish to thank the scientific committee, discussants and participants at the Contemporary Issues in Banking Conference held at the University of St Andrews in December 2015 for the useful comments and suggestions on all the papers submitted to this special issue, and to the referees for further comments and suggestions post submission. Finally, and most importantly we thank the authors of the papers included in the special issue for their valuable contributions in enhancing our understanding of contemporary issues in banking, The usual disclaimer applies.
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I gratefully acknowledge financial support from the Mitsui Life Financial Research Center at the University of Michigan. This support made it possible to purchase the earnings conference call transcripts used in Chapter 2.
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(including glossary and index), $32.50 Marcia L. Stigum, Rene O. Branch Jr., ,Managing Bank Assets and Liabilities: Strategies for Risk Control and Profit (1982) Dow Jones-Irwin,Homewood Hills, IL 429
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The purpose of this book is to instruct the reader on 'how to run a bank'. By this, the authors mean '...how to make, at the highest levels, the tactical and strategic decisions that will structure the bank's balance sheet so as to maximize its profits subject to the constraints that liquidity risk be held to an acceptable level and that interest-rate exposure be assumed only on favorable risk-reward terms' (p. 3). Mark the words at the highest levels, because the authors also suggest (in their preface) that the book should be of interest to bankers (at institutions of all sizes), managers of thrift institutions, corporate financial officers, dealers, bank stock analysts, bank examiners, and university students. Attempting to serve such a wide range of backgrounds and abilities is an ambitious undertaking. As a result, decision-makers at the
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