Banking Archives - IREF Europe https://en.irefeurope.org/tag/banking/ Independent research and policy analysis on fiscal, monetary, and regulatory issues in Europe Wed, 30 Jul 2025 03:32:08 +0000 en-US hourly 1 https://wordpress.org/?v=7.1 https://en.irefeurope.org/wp-content/uploads/sites/3/2026/04/IREF-LinkedIn-Profile-DarkBlue-scaled.png Banking Archives - IREF Europe https://en.irefeurope.org/tag/banking/ 32 32 UK plans to melt the protections against the taxpayer bailing out banks again https://en.irefeurope.org/publications/online-articles/article/uk-plans-to-melt-the-protections-against-the-taxpayer-bailing-out-banks-again/?utm_source=rss&utm_medium=rss&utm_campaign=uk-plans-to-melt-the-protections-against-the-taxpayer-bailing-out-banks-again https://en.irefeurope.org/publications/online-articles/article/uk-plans-to-melt-the-protections-against-the-taxpayer-bailing-out-banks-again/#respond Wed, 30 Jul 2025 03:24:04 +0000 https://en.irefeurope.org/?p=35985 Introduction On 15th July, the UK Chancellor of the Exchequer, Rachel Reeves, delivered a keynote annual address to the City of London (known as the Mansion House speech) in which…

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]]> https://en.irefeurope.org/publications/online-articles/article/uk-plans-to-melt-the-protections-against-the-taxpayer-bailing-out-banks-again/feed/ 0 The European Central Bank’s capital is now negative! https://en.irefeurope.org/publications/online-articles/article/the-european-central-banks-capital-is-now-negative/?utm_source=rss&utm_medium=rss&utm_campaign=the-european-central-banks-capital-is-now-negative https://en.irefeurope.org/publications/online-articles/article/the-european-central-banks-capital-is-now-negative/#respond Wed, 05 Mar 2025 04:30:07 +0000 https://en.irefeurope.org/?p=35789 Introduction The European Central Bank (ECB) issued its 2024 annual report on 20th February and revealed that it now has negative capital.1 What with the German elections delivering a stalemate,…

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]]> https://en.irefeurope.org/publications/online-articles/article/the-european-central-banks-capital-is-now-negative/feed/ 0 Banking system resilience is a sham https://en.irefeurope.org/publications/online-articles/article/banking-system-resilience-is-a-sham/?utm_source=rss&utm_medium=rss&utm_campaign=banking-system-resilience-is-a-sham https://en.irefeurope.org/publications/online-articles/article/banking-system-resilience-is-a-sham/#respond Wed, 10 Jul 2024 04:14:18 +0000 https://en.irefeurope.org/?p=35555 Introduction Financial regulators and governments have made much of their success in restoring the global financial system to a state of stability after the Global Financial Crisis and the Eurozone…

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]]> https://en.irefeurope.org/publications/online-articles/article/banking-system-resilience-is-a-sham/feed/ 0 Event: Red tape (overregulation) in banking sector https://en.irefeurope.org/meetings-and-seminars/article/event-red-tape-overregulation-in-banking-sector/?utm_source=rss&utm_medium=rss&utm_campaign=event-red-tape-overregulation-in-banking-sector https://en.irefeurope.org/meetings-and-seminars/article/event-red-tape-overregulation-in-banking-sector/#respond Sat, 30 Mar 2024 06:46:07 +0000 https://en.irefeurope.org/?p=35435   April 12th 2024, 5 p.m. at the Warsaw School of Economics, building G, auditorium VII. The event is open to everyone. Topic The colloquium will attempt to answer the…

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]]> https://en.irefeurope.org/meetings-and-seminars/article/event-red-tape-overregulation-in-banking-sector/feed/ 0 CBDCs: the hottest topic in central banking. What form of Central Bank Digital Euro should the ECB Launch? https://en.irefeurope.org/publications/iref-newsletter/article/cbdcs-the-hottest-topic-in-central-banking-what-form-of-central-bank-digital-euro-should-the-ecb-launch/?utm_source=rss&utm_medium=rss&utm_campaign=cbdcs-the-hottest-topic-in-central-banking-what-form-of-central-bank-digital-euro-should-the-ecb-launch https://en.irefeurope.org/publications/iref-newsletter/article/cbdcs-the-hottest-topic-in-central-banking-what-form-of-central-bank-digital-euro-should-the-ecb-launch/#respond Wed, 20 Mar 2024 06:40:54 +0000 https://en.irefeurope.org/?p=35416 Introduction – 130 Central Banks have CBDC Projects Since we last reported on the ECB’s thinking about CBDCs1, multiple central banks have undertaken research in designing, operating and selling CBDCs.…

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]]> https://en.irefeurope.org/publications/iref-newsletter/article/cbdcs-the-hottest-topic-in-central-banking-what-form-of-central-bank-digital-euro-should-the-ecb-launch/feed/ 0 New task bolted on to European Stability Mechanism – with how much extra risk? https://en.irefeurope.org/publications/online-articles/article/new-task-bolted-on-to-european-stability-mechanism-with-how-much-extra-risk/?utm_source=rss&utm_medium=rss&utm_campaign=new-task-bolted-on-to-european-stability-mechanism-with-how-much-extra-risk https://en.irefeurope.org/publications/online-articles/article/new-task-bolted-on-to-european-stability-mechanism-with-how-much-extra-risk/#respond Wed, 25 Oct 2023 03:47:03 +0000 https://en.irefeurope.org/?p=35264 Introduction The European Stability Mechanism (ESM) will now be backstop-of-last-resort to the Eurozone banking system, in addition to backstopping the Eurozone member states and the currency itself. Its resources have…

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]]> https://en.irefeurope.org/publications/online-articles/article/new-task-bolted-on-to-european-stability-mechanism-with-how-much-extra-risk/feed/ 0 Debanking Consumers for Holding the ‘Wrong Values’ is now Widespread in the UK. Will this Spread to Europe? https://en.irefeurope.org/publications/iref-newsletter/article/debanking-consumers-for-holding-the-wrong-values-is-now-widespread-in-the-uk-will-this-spread-to-europe/?utm_source=rss&utm_medium=rss&utm_campaign=debanking-consumers-for-holding-the-wrong-values-is-now-widespread-in-the-uk-will-this-spread-to-europe https://en.irefeurope.org/publications/iref-newsletter/article/debanking-consumers-for-holding-the-wrong-values-is-now-widespread-in-the-uk-will-this-spread-to-europe/#respond Wed, 13 Sep 2023 08:11:39 +0000 https://en.irefeurope.org/?p=35210 At a dinner early in July the CEO of NatWest bank group (formerly known as RBS) Dame Allison Rose told a senior BBC journalist that the high-net-worth subsidiary of the…

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]]> https://en.irefeurope.org/publications/iref-newsletter/article/debanking-consumers-for-holding-the-wrong-values-is-now-widespread-in-the-uk-will-this-spread-to-europe/feed/ 0 How are Central Banks Likely to Appraise the Future Viability of Neobanks? https://en.irefeurope.org/publications/iref-newsletter/article/how-are-central-banks-likely-to-appraise-the-future-viability-of-neobanks/?utm_source=rss&utm_medium=rss&utm_campaign=how-are-central-banks-likely-to-appraise-the-future-viability-of-neobanks https://en.irefeurope.org/publications/iref-newsletter/article/how-are-central-banks-likely-to-appraise-the-future-viability-of-neobanks/#respond Wed, 26 Jul 2023 07:29:29 +0000 https://en.irefeurope.org/?p=35174 Questionable business models in Fintech have been exposed, as predicted, in response to rising interest rates.  In Europe, the UK and US, rates have risen from near zero levels at…

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]]> https://en.irefeurope.org/publications/iref-newsletter/article/how-are-central-banks-likely-to-appraise-the-future-viability-of-neobanks/feed/ 0 The European Stability Mechanism hangs by a thread – on France’s credit rating https://en.irefeurope.org/publications/online-articles/article/the-european-stability-mechanism-hangs-by-a-thread-on-frances-credit-rating/?utm_source=rss&utm_medium=rss&utm_campaign=the-european-stability-mechanism-hangs-by-a-thread-on-frances-credit-rating https://en.irefeurope.org/publications/online-articles/article/the-european-stability-mechanism-hangs-by-a-thread-on-frances-credit-rating/#respond Wed, 19 Jul 2023 05:17:58 +0000 https://en.irefeurope.org/?p=35167 Introduction The European Stability Mechanism (ESM) backstops the euro. Its nominal size is €705 billion but its lending capacity is lower at €500 billion, and the main condition attached to…

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]]> https://en.irefeurope.org/publications/online-articles/article/the-european-stability-mechanism-hangs-by-a-thread-on-frances-credit-rating/feed/ 0 UK inflation is a threat to financial stability – time to conceal that with Eurozone techniques https://en.irefeurope.org/publications/online-articles/article/uk-inflation-is-a-threat-to-financial-stability-time-to-conceal-that-with-eurozone-techniques/?utm_source=rss&utm_medium=rss&utm_campaign=uk-inflation-is-a-threat-to-financial-stability-time-to-conceal-that-with-eurozone-techniques https://en.irefeurope.org/publications/online-articles/article/uk-inflation-is-a-threat-to-financial-stability-time-to-conceal-that-with-eurozone-techniques/#respond Fri, 30 Jun 2023 05:05:32 +0000 https://en.irefeurope.org/?p=35145 UK Consumer Price Inflation remained at 8.7% in May. The Bank of England has raised the cost of overnight money to 5% via increases in its Base Rate, and has…

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]]> https://en.irefeurope.org/publications/online-articles/article/uk-inflation-is-a-threat-to-financial-stability-time-to-conceal-that-with-eurozone-techniques/feed/ 0