Focus topic global financial markets

Focus topic: Global financial marketsFollowing the deep crisis from 2007 until 2009 the structures and regulatory frameworks of the global financial markets have transformed as much as the business models of the financial institutions. DB Research is monitoring and participating in the debate about the impact of the new financial market regulatory regime as well as the medium-term effects of the "new normal" on financial markets in both Europe and the US. In addition, our publications illustrate the potential consequences for the players in the global financial markets, for financial products and the infrastructures on which they are based.

 

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Title
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25.11.2014
Konzept Issue 01
Topics: EMU; Economic policy; European policy issues; Germany; Global financial markets; Key issues; Macroeconomics; Residential real estate; Sectors / commodities; Technology and innovation
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24.11.2014
The digital structural change in the financial sector
Abstract: The forces driving digital structural change are complex, and “predatory competition” is certainly an inadequate description of all the effects it is having on established sectors and structures in their entirety. That is why other aspects are making a fundamental contribution to the change. These include the exponentially rising volume of data, the penetration of web-based devices, popular familiarity with the internet, network effects and economies of scale, broadband expansion, the potential for automation and standardisation, the readiness to adapt and the flexibility of established providers, changes in demand and consumption patterns as well as stricter regulatory measures.
Topics: Banking; E-commerce; Economic structure; Financial market trends; Global financial markets; Information technology; Innovation; Intangible assets; International financial markets; International financial system; Internet; Key issues; Media/PR & Advertising; Sectors / commodities; Services; Social values / Consumer behaviour; Socio-econ. trends; Technology and innovation; Trade
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11.11.2014
Fintech – The digital (r)evolution in the financial sector: Algorithm-based banking with the human touch
Abstract: In sections of the financial industry there are many web- and data-based financial products and services that customers cannot obtain from either their bank or a similar provider. Non-bank, primarily technology-driven providers are increasingly entering the markets for less knowledge-intensive and easily standardisable financial services. Despite valuable comparative advantages that traditional banks have to offer they need to undergo a radical course of innovation therapy during the digital transformation process. To this end modern data analysis methods should be used just as routinely as a seamlessly integrated web of all distribution channels. Modern technologies and appropriate finance-specific internet services need to be implemented efficiently and above all in a timely manner. Strengthening one's own brand and identity as well as the obligation to handle client data confidentially will also help to deliver a sustained increase in customer satisfaction and loyalty.
Topics: Banking; E-commerce; Economic structure; Financial market trends; Global financial markets; Information technology; Innovation; Intangible assets; International financial markets; International financial system; Internet; Key issues; Media/PR & Advertising; Sectors / commodities; Services; Social values / Consumer behaviour; Socio-econ. trends; Technology and innovation; Trade
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22.10.2014
Presentation: Banking & regulatory trends in Europe
Topics: Banking; Financial market trends; Global financial markets; International financial markets; International financial system; Key issues; Supervision and regulation
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14.10.2014
SME financing in the euro area: New solutions to an old problem
Abstract: SMEs’ access to finance remains a pressing problem in many parts of the euro area as SMEs largely rely on bank loans for funding. Our findings show that it is mainly the banks’ own refinancing costs in capital markets and their risk perceptions regarding SMEs which give rise to constraints. Of the steps taken to spur bank lending, the ECB’s LTROs seem to have had limited success. Securitisation of SME loans on the other hand has the potential to bridge the gap between SMEs’ funding needs and the availability of bank loans. Public-sector and market-based initiatives to improve SME financing are of great importance as well: for the former, private-sector involvement is crucial; as for the latter, overall success has been mixed so far.
Topics: Banking; Financial market trends; Global financial markets; International financial markets; International financial system; Key issues; SMEs
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20.08.2014
European bank results: Is the glass half-full or half-empty?
Abstract: The half-year results of large European banks offer ammunition to both optimists and pessimists: loan losses and administrative expenses are shrinking, but so are total revenues. Net interest income, the sickly child of recent years, finally seems to be stabilising; however, net income is down again to poor levels. The state of an industry with two distinct faces.
Topics: Banking; Financial market trends; Global financial markets; International financial markets; International financial system; Key issues
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09.07.2014
Transatlantic consistency? Financial regulation, the G20 and the TTIP
Abstract: The transatlantic integration of financial markets has suffered a serious setback since the crisis of 2007. Since then, the countries affected have fundamentally overhauled the regulatory framework governing financial markets. However, this stricter regulation has led to regulatory divergence: Divergent rules on capital, liquidity, derivatives and banking structures are threatening to fragment the financial markets. Slightly divergent national policy preferences, the institutional framework and the relevant partners' differing ideas on reform have been the main factors driving this unfortunate trend. The proposed Transatlantic Trade and Investment Partnership (TTIP) provides a good opportunity to lay strong institutional foundations for regulatory cooperation on financial services as well. Responsibility for creating internationally harmonised rules on financial market regulation rests with the G20 leaders.
Topics: Banking; European issues; European policy issues; Global financial markets; Globalisation; International financial markets; International financial system; Key issues; Supervision and regulation; WTO
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25.06.2014
European bank performance: Bottoming out
Abstract: Current results are still very weak, with total revenues and profits both at the lowest level since 2009. But the largest European banks can justifiably draw hope from a stabilisation in interest income as well as fees and commissions, from declining loan loss provisions and shrinking expenses. The bottom line may have broadly bottomed out, though pressure from litigation charges and the ECB’s balance sheet assessment remains high. New record capital levels abound.
Topics: Banking; Financial market trends; Global financial markets; International financial markets; International financial system; Key issues; Supervision and regulation
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15.04.2014
Tight bank lending, lush bond market: New trends in European corporate bond issuance
Abstract: In our empirical analysis we investigate the substitution between weak bank lending and lush bond markets and we show that rising bank CDS spreads are consistently associated with positive growth in securities underwriting and negative growth in loan syndication. This suggests that banks and clients switch funding instruments in times of financial stress. In this regard, a well-developed bond market is an important element to increase financial resilience as it offers an alternative source of funding for the real economy and an alternative source of revenue to banks. However, we also note a worrying trend towards financial fragmentation during times of stress which limits diversification potential.
Topics: Banking; Business cycle; Capital markets; Econometrics; European issues; Global financial markets; International financial system; Key issues; Monetary policy; Quantitative analysis
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07.04.2014
Card fraud: A growing problem?
Abstract: Card fraud in Europe has risen recently, both in absolute terms and relative to total transaction values for card payments. What is behind this increase and how much is it a cause for concern?
Topics: Financial market trends; Global financial markets; Key issues; Technology and innovation
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