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BUSINESS AND BANKING CONFERENCE

BUSINESS AND BANKING CONFERENCE. Best Practice For Government Intervention. Principles For Intervention. Potential and Risk of Systemic Effect Size and Impact of Institution – Too Big to Fail? Integration into Financial System Rights to Property Justification for Abrogating Property Rights

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BUSINESS AND BANKING CONFERENCE

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  1. BUSINESS AND BANKINGCONFERENCE Best Practice For Government Intervention

  2. Principles For Intervention • Potential and Risk of Systemic Effect • Size and Impact of Institution – Too Big to Fail? • Integration into Financial System • Rights to Property • Justification for Abrogating Property Rights • Availability of Safety Nets • Deposit Insurance Systems

  3. Brief Review of Banking Failures/Interventions • USA • Savings & Loans and Banks – 1980s • Banks, Investment Banks and Insurance – 2008 • Jamaica • System Failure – 1990s • Trinidad & Tobago • NFIs – 1986 • Banks: Co-Op Bank – 1986;Workers’ Bank – 1989;First Citizens Bank – 1993 • CLICO, BA and CIB – 2009

  4. Approaches to Intervention • Close and Pay Deposit Insurance • USA 1980s • T&T 1986 • Restructure and Reopen • USA 1980s and 2008 • T&T 1986, 1989, 1993, 2009 • Macro System Support – Jamaica

  5. The Trinidad Experience Utilised international best practice in selection of intervention measures; Depositors/policy holders assured protection System confidence restored New institutions created have performed well. Long and stable histories CLICO/BA restructure in hand with significant prospects for success

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