By Clive Horwood, Peter Lee, Jeremy Weltman, Tessa Wilkie

For banks, 2015 was all about capital, and how they make a return on it. For sovereign credits, it was 12 months in which emerging market countries lost their momentum, but some fallen angels rose again in the developed world. Cash became core, liquidity rose to the top of the list of market concerns, and to some blockchain became the cure for many of finance’s ills. One thing is for sure: every piece of data tells a story.
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