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Foreign exchange

German banks get to grips with a new lending reality

Removal of state guarantees and pressure from shareholders for better returns means German banks can no longer churn out uneconomically priced loans to clients. Now they are starting to introduce sophisticated loan pricing systems, writes Duncan Wood

Below the radar

The upcoming Basel II capital Accord’s impact on the global banking industry is expected to be profound, and hardly painless. The Accord’s ramifications for the investment and hedge fund management sectors, while not nearly as obvious,could contribute…

Markit signs up 50th Red customer

Markit has signed its fiftieth customer to its reference entity database (Red) for credit instruments. The move means the St Albans-based company has signed up 35 additional clients to Red from its base of 15 institutions in January 2004.

IPE launches UK electricity baseload index

The International Petroleum Exchange (IPE) has launched a UK electricity baseload index in response, it said, to industry demand for a viable index on which to base physical deals. The first pricing period will be for the March 2005 contract.

From Basel II to Basel III

Financial institutions face major challenges in modelling credit portfolio risk, particularly in the field of CDOs. Walter Schulte-Herbrüggen and Gernot Becker argue that the main challenge will be in model testing, due to the increasingly customised…

A wrong-way bet

China Aviation Oil (CAO) revealed in late November that it had lost $550 million through trading oil derivatives – but not before its Chinese parent sold $108 million in CAO shares. By Nick Sawyer, with additional reporting by Jill Wong

DDQ re-issues commodity-linked structured product

Dawnay Day Quantum (DDQ), a division of London-based financial services and property investment company Dawnay Day, has re-issued its commodity-linked structured product aimed at both the institutional and retail markets.

Setting a timetable

Regulators in Australia and Japan are the latest to set deadlines for their banks to comply with Basel II, and both differ slightly from the Basel Committee’s schedule. Nick Sawyer reports

The importance of ALM

The crossfire between the International Accounting Standards Board and the European Commission seems to have left corporates bewildered about the implications of IAS 39. Risk talks to leading advisory groups and corporates about the challenges ahead, and…

Citibank cut out

The suspension of Citibank’s private banking business by the Financial Services Agency in September has brought to light a catalogue of internal control and governance failures within the bank’s Japanese operations. And with Citi now cut out of the…

BofA reports improved commodity-trading income

North Carolina-based Bank of America yesterday reported revenues of $45 million from commodity trading in its full-year 2004 results, up from a loss of $45 million for 2003. The investment bank's recovery came amid strong overall financial results for…

Mind your behaviour

Hedge fund managers are becoming interested in behavioural theory, anincreasingly influential branch of economics that describes the role of intuitivebias in investment decision-making. According to one finance professor,behaviouralism provides valuable…

The game of life

UK life insurers have faced a new regulatory regime in the aftermath of the guaranteed annuity options disaster, which has led them to rethink their use of derivatives. Nicholas Dunbar talks to four leading life companies

Reducing risk through insurance

In this article, Silke Brandts describes a general algorithm for quantifying the risk-mitigating impact of operational risk insurance. She then presents a simple haircut approach to incorporate residual risks inherent in the insurance contracts into the…

Risk Management Inc signs four utility clients

Risk Management Inc (RMI), a Chicago-based energy consultancy and brokerage, has signed up four new utility customers for its energy risk management and hedging services. The City of Glendale Water & Power and Pasadena Water & Power, both in California,…

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