Marketplace lenders: The law of agency

Marketplace lenders: The law of agency

WebBank of Salt Lake City, Utah; Cross River Bank of Teaneck, New Jersey; NBT Bank of Norwich, New York and Comenity Capital Bank of Columbus, Ohio: these are hardly household names.

Blessing steps off the Commerzbank rollercoaster

Blessing steps off the Commerzbank rollercoaster

From the debris of multiple crises, Martin Blessing has overseen a quiet return to stability and moderate success at Commerzbank, just as the entire European banking sector hit the skids once more.

Fintech 2016: The fintech revolution gathers momentum

Fintech 2016: The fintech revolution gathers momentum

After a record year for fund raising, large fintech companies are now emerging in marketplace lending and payments, with many more newcomers deploying venture capital money raised in $25 million to $50 million chunks to transform capital markets and traditional banking mainstays such as mortgage lending.

Emerging markets: Fintech for the unbanked

Emerging markets: Fintech for the unbanked

If digital payment providers share the cost of building new networks, they might profit handsomely from high volumes of low-value payments between two billion people unserved today by the world’s conventional banks, and become a new testing ground for fintech.

Western Europe: Negative policy rates backfire

Western Europe: Negative policy rates backfire

Adair Turner, who famously took over as chairman of UK bank regulator the Financial Services Authority in September 2008, delivered a thoroughly depressing analysis of the slow and disappointing recovery from the financial crisis at the European Capital Markets Forum last month.

AT1 capital/CoCo bonds: what you should know

AT1 capital/CoCo bonds: what you should know

Additional tier-1 (AT1) securities and contingent convertible capital instruments, known as CoCo bonds, absorb losses when the capital of the issuing financial institution falls below a supervisor-determined level.

CaixaBank: Good risk management comes at a price

CaixaBank: Good risk management comes at a price

One of the big recent hits to net interest income at CaixaBank has come from the removal of interest-rate floors, which had been inserted into mortgage loan contracts to protect lenders from falling rates but not fully explained to Spanish borrowers.

Latin America: Citi pulls out of more markets

Latin America: Citi pulls out of more markets

Citi has confirmed it is to exit retail banking in Brazil, Colombia and Argentina in a further round of retrenchment from the region – with these latest three joining six other regional businesses sold in the past two years.

Bailing out bail-in

Bailing out bail-in

Whether they were birth pangs for a nascent asset class, or regulatory ripples, the latest woes in bank capital reveal the unresolved problems of the new bail-in regime.

UBS: special focus

UBS: special focus

Euromoney's recent coverage of the Swiss bank's private-banking led strategic overhaul.

HSBC: special focus

HSBC: special focus

Euromoney's recent coverage of the global banking group from its global footprint, management shifts and strategic overhaul.

Barclays: special focus

Barclays: special focus

Euromoney's recent coverage of the bank's battle to retool its business model and boost earnings.