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International Project Week 2012

International banking regulation implications for european banks Internationalization of banking in europe Lessons from Banco Santander Susana cristina dawid Carlo Marcel Tobias. International Project Week 2012. structure. Banking regulation European banking sector in trouble

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International Project Week 2012

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  1. International bankingregulationimplicationsforeuropeanbanksInternationalizationofbankingin europeLessonsfromBancoSantanderSusanacristinadawidCarloMarcelTobias International Project Week 2012

  2. structure • Banking regulation • European bankingsector in trouble • Lehman Brothers (2008) • Reasonsforthecrisis • Changesbecauseofthecrisis • Banking internationalization • Stepsofinternationalization in Retail Banking • BancoSantander‘sgrowth (1985-2005) • Banks in comparison • Net PresentValue

  3. European banking sector in trouble • Dexia • France, Belgium, Luxembourg • Northern Rock • U.K. • Fortis • Netherlands, Belgium, Luxembourg • Hypo Real Estate • Germany

  4. Lehman Brothers • First bank not rescued by the government • Beginning of the international financial problem

  5. Reasons for the crisis • Subprime mortgage • Rating agencies • Fitch • Moody‘s • Standard and Poors • Highly complex financial products • Monetary policy • Interest rates • Greed

  6. Changes because of the crisis • Basel Accords • Increase the level of capital and quality • Introduce control over liquidity • European Authorities • European Banking Authority (EBA) • European stress tests • Increase in the level of deposit guarantees

  7. Steps of internationalization in Retail Banking • Step 1: Development capabilities • Step 2: Creating options • Step 3: Quick Roll-Out & implications

  8. Banco Santander’s growth (1985-2005)

  9. Banks in comparison (1985-2005)

  10. Net Present Value • Simple instrumenttomeasureinvestments NPV= NPV>0 

  11. Net Present Value Example NPV= -9500+9950 =+450

  12. … the next one please gracias por su atención Thank you for your attention DankefüreureAufmerksamkeit

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