ΝΕΕΣ ΤΕΧΝΟΛΟΓΙΕΣ ΣΤΙΣ ΤΡΑΠΕΖΕΣ ΚΑΙ ΕΠΙΠΤΩΣΕΙΣ ΣΤΗΝ ΑΠΑΣΧΟΛΗΣΗΟΤΟΕ
Η ΟΤΟΕ, με αυτή τη μελέτη του Ινστιτούτου Εργασίας, παρεμβαίνει έγκαιρα και αποφασιστικά στο σημαντικό θέμα της εισαγωγής των νέων τεχνολογιών στις Τράπεζες και στη ζωή μας γενικότερα, καταθέτει δεδομένα, σκέψεις και προτάσεις και φιλοδοξεί να ανοίξει ένας ευρύτερος και ουσιαστικός διάλογος που θα οδηγήσει σε συμπεράσματα και πράξεις.
The document outlines the ECB's expectations for minimum prudential provisions for non-performing exposures held by banks. It establishes "prudential provisioning backstops" based on the length of time an exposure is non-performing and any collateral held. Banks must meet the backstop levels through accounting provisions, expected loss shortfalls, or CET1 deductions. The backstops are meant to ensure sufficient coverage of NPE risks and avoid excessive buildup of non-covered aged NPEs on banks' balance sheets.
This document provides an overview and analysis of non-performing loans (NPLs) in Europe and offers guidance on resolving NPLs. Some key points:
- The stock of NPLs in EU banking sectors totals around €1 trillion, with 10 countries having average ratios over 10%. NPL resolution has been slow.
- High NPL levels pose macroprudential and financial stability risks by consuming bank resources and increasing funding costs. They also reflect broader corporate solvency issues that hamper economic growth.
- Impediments to NPL resolution include weak bank incentives, asymmetric information deterring investors, and inefficient debt recovery processes.
- A comprehensive response is needed to swiftly but
Η ανάλυση που παρατίθεται στις επόμενες σελίδες αποτελεί την τρίτη έκδοση της Επισκόπησης του Ελληνικού Χρηματοπιστωτικού Συστήματος, η οποία έχει προγραμματιστεί να δημοσιεύεται δύο φορές το χρόνο από την Τράπεζα της Ελλάδος.
Εκθεση της Τραπεζας της Ελλαδος σχετικά με την προοδο των επιχειρησιακών στόχων που εχουν τεθεί από την ΕΚΤ προς τις τραπεζες για τα μη εξυπηρετουμενα δανεια
- The IMF Executive Board concluded Greece's 2016 Article IV consultation and discussed an evaluation of Greece's 2012-2016 economic program.
- The Board recognized Greece's significant economic adjustment since 2010 but noted it has come at high social costs, contributing to delays in reforms.
- The Board urged Greece to accelerate remaining reforms to boost sustainable and inclusive growth, reduce debt, and address risks, focusing on fiscal policies, tax administration, reducing non-performing loans, and structural reforms.
- Most Directors saw a need for further debt relief coupled with strong policy implementation, though some disagreed on fiscal targets and debt sustainability.
The document discusses several challenges facing the European banking industry, including low profitability, high levels of non-performing loans, overcapacity, and prospects for further bank consolidation. It notes that while bank profitability modestly improved in 2015, supported by resilient net interest income, prospects for future profitability remain uncertain given the low interest rate environment and regulatory changes. The document also examines issues like increasing competition from financial technology firms and the growth of shadow banking.
ΝΕΕΣ ΤΕΧΝΟΛΟΓΙΕΣ ΣΤΙΣ ΤΡΑΠΕΖΕΣ ΚΑΙ ΕΠΙΠΤΩΣΕΙΣ ΣΤΗΝ ΑΠΑΣΧΟΛΗΣΗΟΤΟΕ
Η ΟΤΟΕ, με αυτή τη μελέτη του Ινστιτούτου Εργασίας, παρεμβαίνει έγκαιρα και αποφασιστικά στο σημαντικό θέμα της εισαγωγής των νέων τεχνολογιών στις Τράπεζες και στη ζωή μας γενικότερα, καταθέτει δεδομένα, σκέψεις και προτάσεις και φιλοδοξεί να ανοίξει ένας ευρύτερος και ουσιαστικός διάλογος που θα οδηγήσει σε συμπεράσματα και πράξεις.
The document outlines the ECB's expectations for minimum prudential provisions for non-performing exposures held by banks. It establishes "prudential provisioning backstops" based on the length of time an exposure is non-performing and any collateral held. Banks must meet the backstop levels through accounting provisions, expected loss shortfalls, or CET1 deductions. The backstops are meant to ensure sufficient coverage of NPE risks and avoid excessive buildup of non-covered aged NPEs on banks' balance sheets.
This document provides an overview and analysis of non-performing loans (NPLs) in Europe and offers guidance on resolving NPLs. Some key points:
- The stock of NPLs in EU banking sectors totals around €1 trillion, with 10 countries having average ratios over 10%. NPL resolution has been slow.
- High NPL levels pose macroprudential and financial stability risks by consuming bank resources and increasing funding costs. They also reflect broader corporate solvency issues that hamper economic growth.
- Impediments to NPL resolution include weak bank incentives, asymmetric information deterring investors, and inefficient debt recovery processes.
- A comprehensive response is needed to swiftly but
Η ανάλυση που παρατίθεται στις επόμενες σελίδες αποτελεί την τρίτη έκδοση της Επισκόπησης του Ελληνικού Χρηματοπιστωτικού Συστήματος, η οποία έχει προγραμματιστεί να δημοσιεύεται δύο φορές το χρόνο από την Τράπεζα της Ελλάδος.
Εκθεση της Τραπεζας της Ελλαδος σχετικά με την προοδο των επιχειρησιακών στόχων που εχουν τεθεί από την ΕΚΤ προς τις τραπεζες για τα μη εξυπηρετουμενα δανεια
- The IMF Executive Board concluded Greece's 2016 Article IV consultation and discussed an evaluation of Greece's 2012-2016 economic program.
- The Board recognized Greece's significant economic adjustment since 2010 but noted it has come at high social costs, contributing to delays in reforms.
- The Board urged Greece to accelerate remaining reforms to boost sustainable and inclusive growth, reduce debt, and address risks, focusing on fiscal policies, tax administration, reducing non-performing loans, and structural reforms.
- Most Directors saw a need for further debt relief coupled with strong policy implementation, though some disagreed on fiscal targets and debt sustainability.
The document discusses several challenges facing the European banking industry, including low profitability, high levels of non-performing loans, overcapacity, and prospects for further bank consolidation. It notes that while bank profitability modestly improved in 2015, supported by resilient net interest income, prospects for future profitability remain uncertain given the low interest rate environment and regulatory changes. The document also examines issues like increasing competition from financial technology firms and the growth of shadow banking.