This study was prepared for the EIB’s Roundtable Discussion on Banking in sub-Saharan Africa. It was
put together by the EIB’s Economics Department to support the Bank’s new initiatives in the region’s
banking sector and to contribute to a better understanding of the recent market developments in the
sector.
This document discusses the role of foreign banks in emerging countries. It begins by defining emerging markets and noting their importance as areas of high growth potential. It then discusses how foreign banks have increased their presence in emerging market banking systems since the 1990s, bringing new products, technology, and lower costs. However, their presence also increases these countries' susceptibility to global economic shocks. The regulation of foreign banks in local markets is evolving. In the future, foreign banks will play an integral role in emerging market monetary policies and financial systems.
Taking the Investor Perspective with SenseMaker® Marcus Guest
The joint study by KPMG and RSPP in 2013 looked at foreign business investors' perspectives on the regional investment climate in Russia. Key findings included:
- Foreign investors chose Russia primarily for large market opportunities outside of energy and natural resources, showing Russia's growing diversification.
- While overall investor confidence was improving, it varied significantly between regions depending on investors' interactions with regional governments.
- Regional readiness to attract investors often failed to meet specific industry needs.
- Corruption may have been responsible for the failure of as many as 1 in 7 potential investments.
- A few regions were praised for making FDI a priority and putting investors' perspectives at the heart of their strategies.
- Poland offers size and healthy growth above 4% annually, making it the second most important CEE market for members after Russia. However, rapid growth is unrealistic as Poland becomes wealthier and more competitive.
- B2C companies reported a slowdown in Q1, B2G will be hit by elections and budget cuts, and B2B faces increasing competition and costs.
- Poland is still solid but less of a star than in the past. Managing expectations is becoming more important as the market matures.
Prespective On Chinese Financial System and policy-reforms-Regmi Milan
The document discusses the history and development of China's financial system. It describes the traditional Chinese financial institutions like piaohao and qianzhuang that dominated before the 19th century. It then discusses the entry of Western banks in China and the establishment of the modern banking system after 1949 when the People's Bank of China was formed. The document also summarizes China's current financial regulators and reforms being made to develop capital markets and increase direct financing.
This document summarizes China's financial system and issues with capital allocation to the private sector. It notes that China's banking system is state-dominated and focuses lending on state-owned enterprises rather than small-and-medium enterprises. While SMEs contribute significantly to China's economy, they face difficulties obtaining financing due to factors like a lack of collateral. The document compares China's financial system to measures in other countries and finds that capital markets are underdeveloped and a smaller proportion of credit goes to the private sector in China than elsewhere. It concludes China's financial institutions have struggled to efficiently allocate capital to private sector development and SMEs.
the impact of multi-currency (dollarization) regime adoption on the liquidit...Takudzwa Dhliwayo
This document provides background information on the research study conducted by Dhliwayo Takudzwa. The study aims to analyze the impact of Zimbabwe's adoption of a multi-currency regime in 2009 on the liquidity challenges faced by Zimbabwean banks from 2009 to 2014. It outlines the research objectives, which include determining the causes of liquidity crisis, evaluating the impact on economic growth, examining liquidity risk management procedures, and ascertaining the impact of capitalization and possible corrective measures. The methodology included surveys of 11 commercial banks, economists, and the Reserve Bank of Zimbabwe using questionnaires and interviews. Secondary data was also obtained from published sources. Key findings revealed that major causes of liquidity crisis included the absence of a
The document discusses the state of the Chinese economy and banking system. It provides an overview of China's economy, noting that GDP growth is expected to further slow as the country transitions to a more consumption-driven model with tighter credit. It also summarizes China's national debt levels and financial markets, highlighting concerns about the large shadow banking sector and potential defaults. The document concludes with studies on several major Chinese banks and observations about credit quality risks.
Dr. Chao Yuang Shiang academic website
http://mail.nhu.edu.tw/~yschao/
http://isites.nhu.edu.tw/yschao/
https://authorcentral.amazon.com/gp/profile
http://www.amazon.com/-/e/B00IV30N1E
https://www.linkedin.com/profile/edit?trk=nav_responsive_sub_nav_edit_profile
Teaching experiences (1999/8/1 ~ Now)
Faculty (Full-time), Department of Finance, full-time lecturer, assistant professor (2011/8~Now), Yu Da University (1999/8/1 to 2013/7/31)
Faculty (Part-time), Department of International Trade, National Taichung University of Science and Technology (2005/2/1 to 2006/7/31)
Faculty (Part-time), National Taichung University of Science and Technology in Junior College of Continuing Education (2002/8/1 to 2005/1/31)
Faculty (Part-time), Accounting and Information Systems, Chang Jung Christian University (CJCU) (2000/2/1 to 2002/7/31)
Current Occupation:
Full-time faculty, Assistant Professor, Department of Finance and Institute of Financial Management, College of management, Nan Hua University, Taiwan.
University textbooks publication:
1. <monetary> Published in 2004
2. <principles> Published in 2005
3. <financial> Published in 2011
4. <international> Published in 2012
5. <insurance> Published in 2013
Three finance-related books published from 2012 to 2014.
1. "MNE investment strategy and risk evaluated in China"
- The Joint Effects of MNE's Diversification Strategy on Performance and Systematic Risk Evaluated in China Investment (Published on 27-April-2012)
2. "What Government Bonds and Investors Matter in Global Financial Crisis? - Evidence and Strategic Thinking" (Published on 23-August-2012)
3. "Global Value Chains and Regional Economic Integration Development" (Published on 05-September-2013)
Website linkage
https://www.morebooks.de/search/%20gb?page=2&q=+Yuang+Shiang+Chao+&search_term=+Yuang+Shiang+Chao+&via_keyword=1
********
Consultant and advisor in governmental institution and private company
1. Financial consultant, Yoau Jude construction company
2. Consultant in business management and marketing strategy,Green Deming environmental technological company
3. Consultant in education and training Joy town Investment Company
4. Counseling consultant in preparatory OTC market, Yunhong environmental company
5. Counseling consultant, the Council of Labor Affairs, Executive Yuan, R.O.C. (validity: 2012/2/22-2012/12/31)
6. Counseling consultant in creating business and career development, The National Youth Commission (NYC), Executive Yuan, R.O.C. (validity: 2012/6/1-2013/5/31).
7. Counseling consultant, Small and Medium Enterprise Administration, Ministry of Economic Affairs, Executive Yuan, R.O.C. (validity: 2014/4/1- 2015/3/31).
8. Counseling consultant ,the Bureau of Employment and Vocational Training (BEVT) ,Council of Labor Affairs , Executive Yuan, R.O.C. (validity: 2012/3/1-2013/12/31)
This document discusses the role of foreign banks in emerging countries. It begins by defining emerging markets and noting their importance as areas of high growth potential. It then discusses how foreign banks have increased their presence in emerging market banking systems since the 1990s, bringing new products, technology, and lower costs. However, their presence also increases these countries' susceptibility to global economic shocks. The regulation of foreign banks in local markets is evolving. In the future, foreign banks will play an integral role in emerging market monetary policies and financial systems.
Taking the Investor Perspective with SenseMaker® Marcus Guest
The joint study by KPMG and RSPP in 2013 looked at foreign business investors' perspectives on the regional investment climate in Russia. Key findings included:
- Foreign investors chose Russia primarily for large market opportunities outside of energy and natural resources, showing Russia's growing diversification.
- While overall investor confidence was improving, it varied significantly between regions depending on investors' interactions with regional governments.
- Regional readiness to attract investors often failed to meet specific industry needs.
- Corruption may have been responsible for the failure of as many as 1 in 7 potential investments.
- A few regions were praised for making FDI a priority and putting investors' perspectives at the heart of their strategies.
- Poland offers size and healthy growth above 4% annually, making it the second most important CEE market for members after Russia. However, rapid growth is unrealistic as Poland becomes wealthier and more competitive.
- B2C companies reported a slowdown in Q1, B2G will be hit by elections and budget cuts, and B2B faces increasing competition and costs.
- Poland is still solid but less of a star than in the past. Managing expectations is becoming more important as the market matures.
Prespective On Chinese Financial System and policy-reforms-Regmi Milan
The document discusses the history and development of China's financial system. It describes the traditional Chinese financial institutions like piaohao and qianzhuang that dominated before the 19th century. It then discusses the entry of Western banks in China and the establishment of the modern banking system after 1949 when the People's Bank of China was formed. The document also summarizes China's current financial regulators and reforms being made to develop capital markets and increase direct financing.
This document summarizes China's financial system and issues with capital allocation to the private sector. It notes that China's banking system is state-dominated and focuses lending on state-owned enterprises rather than small-and-medium enterprises. While SMEs contribute significantly to China's economy, they face difficulties obtaining financing due to factors like a lack of collateral. The document compares China's financial system to measures in other countries and finds that capital markets are underdeveloped and a smaller proportion of credit goes to the private sector in China than elsewhere. It concludes China's financial institutions have struggled to efficiently allocate capital to private sector development and SMEs.
the impact of multi-currency (dollarization) regime adoption on the liquidit...Takudzwa Dhliwayo
This document provides background information on the research study conducted by Dhliwayo Takudzwa. The study aims to analyze the impact of Zimbabwe's adoption of a multi-currency regime in 2009 on the liquidity challenges faced by Zimbabwean banks from 2009 to 2014. It outlines the research objectives, which include determining the causes of liquidity crisis, evaluating the impact on economic growth, examining liquidity risk management procedures, and ascertaining the impact of capitalization and possible corrective measures. The methodology included surveys of 11 commercial banks, economists, and the Reserve Bank of Zimbabwe using questionnaires and interviews. Secondary data was also obtained from published sources. Key findings revealed that major causes of liquidity crisis included the absence of a
The document discusses the state of the Chinese economy and banking system. It provides an overview of China's economy, noting that GDP growth is expected to further slow as the country transitions to a more consumption-driven model with tighter credit. It also summarizes China's national debt levels and financial markets, highlighting concerns about the large shadow banking sector and potential defaults. The document concludes with studies on several major Chinese banks and observations about credit quality risks.
Dr. Chao Yuang Shiang academic website
http://mail.nhu.edu.tw/~yschao/
http://isites.nhu.edu.tw/yschao/
https://authorcentral.amazon.com/gp/profile
http://www.amazon.com/-/e/B00IV30N1E
https://www.linkedin.com/profile/edit?trk=nav_responsive_sub_nav_edit_profile
Teaching experiences (1999/8/1 ~ Now)
Faculty (Full-time), Department of Finance, full-time lecturer, assistant professor (2011/8~Now), Yu Da University (1999/8/1 to 2013/7/31)
Faculty (Part-time), Department of International Trade, National Taichung University of Science and Technology (2005/2/1 to 2006/7/31)
Faculty (Part-time), National Taichung University of Science and Technology in Junior College of Continuing Education (2002/8/1 to 2005/1/31)
Faculty (Part-time), Accounting and Information Systems, Chang Jung Christian University (CJCU) (2000/2/1 to 2002/7/31)
Current Occupation:
Full-time faculty, Assistant Professor, Department of Finance and Institute of Financial Management, College of management, Nan Hua University, Taiwan.
University textbooks publication:
1. <monetary> Published in 2004
2. <principles> Published in 2005
3. <financial> Published in 2011
4. <international> Published in 2012
5. <insurance> Published in 2013
Three finance-related books published from 2012 to 2014.
1. "MNE investment strategy and risk evaluated in China"
- The Joint Effects of MNE's Diversification Strategy on Performance and Systematic Risk Evaluated in China Investment (Published on 27-April-2012)
2. "What Government Bonds and Investors Matter in Global Financial Crisis? - Evidence and Strategic Thinking" (Published on 23-August-2012)
3. "Global Value Chains and Regional Economic Integration Development" (Published on 05-September-2013)
Website linkage
https://www.morebooks.de/search/%20gb?page=2&q=+Yuang+Shiang+Chao+&search_term=+Yuang+Shiang+Chao+&via_keyword=1
********
Consultant and advisor in governmental institution and private company
1. Financial consultant, Yoau Jude construction company
2. Consultant in business management and marketing strategy,Green Deming environmental technological company
3. Consultant in education and training Joy town Investment Company
4. Counseling consultant in preparatory OTC market, Yunhong environmental company
5. Counseling consultant, the Council of Labor Affairs, Executive Yuan, R.O.C. (validity: 2012/2/22-2012/12/31)
6. Counseling consultant in creating business and career development, The National Youth Commission (NYC), Executive Yuan, R.O.C. (validity: 2012/6/1-2013/5/31).
7. Counseling consultant, Small and Medium Enterprise Administration, Ministry of Economic Affairs, Executive Yuan, R.O.C. (validity: 2014/4/1- 2015/3/31).
8. Counseling consultant ,the Bureau of Employment and Vocational Training (BEVT) ,Council of Labor Affairs , Executive Yuan, R.O.C. (validity: 2012/3/1-2013/12/31)
Impact of Liquidity crisis to commercial banks in ZimbabweAleck Makandwa
A research carried out by a 2:2 student studying Banking and Finance at Great Zimbabwe Universty which can help Bankers and those who are interested in Banking System to know about the effects of Liquidity crisis to commercial banks in Zimbabwe.....
The document provides an overview and analysis of the competitive landscape of the Zimbabwean banking sector in 2013. It discusses the structure and performance of the banking sector, comparing it to other countries in the region. While the sector has remained sound, banks are facing challenges from the uncertain political environment and tight liquidity conditions. The ability to mobilize cheaper credit and diversify revenues will be important for banks going forward. The sector exhibits monopolistic and oligopolistic characteristics, with the potential for electronic banking to provide future opportunities.
The People's Bank of China lowered its reserve requirement ratio and injected funds into the economy in an attempt to stimulate growth. However, the timing of these actions was poor as it went against recent assurances and weakened the yuan more than expected. The PBC recommends a transition to a more flexible exchange rate over time to regain monetary policy independence while avoiding a floating currency that could lead to panic. This would help boost confidence and ease capital outflows driven by economic fears.
The Financial Services Volunteer Corps (FSVC) is a nonprofit organization that helps countries build strong financial systems through technical assistance from volunteer financial professionals. It provides expertise in areas like banking, central banking, and anti-money laundering. Since 1990, over 6,000 volunteers from fields like banking, law, and regulation have participated in over 1,300 FSVC missions across 30 countries. Recent projects include training Russian bankers in anti-money laundering and advising Afghanistan on currency conversion. FSVC receives funding from sources like the U.S. Department of State and operates offices in 10 countries.
The document provides a history and analysis of the commercial banking sector in Pakistan from 1947 to the present. It summarizes the key periods of establishment from 1947-1974, nationalization from 1974-1979, and privatization from 1991-2000. It then analyzes the performance of the four main sectors (private, public, foreign, privatized) from 2011-2016 based on deposits, investments, interest income, and market share. Deteriorating economic conditions could negatively impact banks through lower investments, higher interest rates, inflation, and falling asset prices. The non-financial performance of some major banks is also summarized.
The document discusses strategies for the Bank of Moscow to help establish Moscow as an international financial center. It identifies target customer segments for the Bank based on a SWOT analysis, including young leaders, affluent middle-aged, active middle-aged, and rational youth. The strategy proposes focusing on increasing financial literacy, developing products tailored for each segment, and investing in personnel training to capture more customers and investments. Projections estimate the strategies could increase the Bank's investments in Moscow by over 150% by 2016.
This document provides an analysis of financing needs and opportunities in the cultural and creative sector in Europe. It finds that cultural and creative industries (CCIs) face specific challenges in accessing finance due to their small size, lack of business skills, and difficulties valuing intangible assets. A wide range of financial instruments exist across Europe, including loans, guarantees, equity, tax incentives and grants. However, CCIs make limited use of these tools. The document recommends that local and regional authorities play a key role in developing tailored financial schemes for CCIs and improving relations between the sector and investors. Public support can help address market failures and trigger greater private investment in CCIs.
Asian monetary cooperation£ºtheory and possibilityR_24
The document analyzes the theory and possibility of Asian monetary cooperation. It finds that intra-regional trade and investment in East Asia is high, meeting some conditions for an optimal currency area. However, factors like low labor mobility and differences in economic development levels mean East Asia does not fully meet optimal currency area conditions. While a single Asian currency is not currently possible, the document concludes that sub-regional monetary cooperation, such as between China, ASEAN countries, and Japan/Korea could be established as an intermediate step. In the long run, a unified Asian Monetary Union may be possible after further economic integration.
Mechanisms for Financing Investment Projects through Commercial Bank LoansYogeshIJTSRD
The article analyzes the role of commercial banks in financing investment projects. The experience of developed foreign countries in financing investment projects is studied. The activities of commercial banks for lending to investment projects were studied and suggestions were made for their improvement. Norov Akmal Ruzimamatovich | Mirzayev Azamat Abdujalilovich | Haydarov O’ral Axmadovich | Qahorov Bobur Baxtiyorovich | Nurmuxammedov Abdijabbar Yunusovich "Mechanisms for Financing Investment Projects through Commercial Bank Loans" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Special Issue | Innovative Development of Modern Research , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd41106.pdf Paper URL : https://www.ijtsrd.com/management/accounting-and-finance/41106/mechanisms-for-financing-investment-projects-through-commercial-bank-loans/norov-akmal-ruzimamatovich
This document analyzes the financial performance of Oman's seven local commercial banks from 2005 to 2009 in the context of the global financial crisis. It finds that banks were impacted differently depending on their orientation and strategy, with some strong in marketing, others in shareholder returns, and some focused on efficiency. Overall, the effects of the crisis were not significant for most banks except National Bank of Oman. The banks demonstrated resilience and stability. The analysis evaluates the banks' competitiveness and sustainability to identify strengths and weaknesses.
Effect of Deposit Money Bank Failure on Economic Development of Nigeria, 2009...ijtsrd
This document discusses the effect of bank failure on Nigeria's economic development from 2009-2019. It begins by establishing that banks play a vital role in providing capital for investment and improving economic well-being, so their collapse can negatively impact economic development. The study uses data from the Nigeria Deposit Insurance Corporation and Central Bank of Nigeria to examine the relationship between bank failure factors like non-performing loans, capital adequacy ratios, and liquidity ratios on unemployment rates. The results found that bank failure Granger causes unemployment in Nigeria over the period studied. The study recommends that banks maintain adequate capital levels and collateral for loans to avoid failures that could undermine economic development.
The document discusses the importance of developing a financial system for transition economies like Uzbekistan. It outlines several key theoretical arguments for why financial systems are important:
1) They mobilize savings by channeling funds from savers to investors.
2) They allocate resources more efficiently by reducing information costs and facilitating better investment decisions.
3) They help monitor managers and exert corporate control.
4) They allow for risk transfer through financial instruments and diversification.
5) They facilitate exchange and specialization, promoting economic growth.
Developing the financial system is important for transition economies like Uzbekistan to integrate their economies with market mechanisms.
2014 China Financial Industry Trends and OutlookKapronasia
The webinar is complimentary and open to both clients and non-clients of Kapronasia. During the one hour webinar we will cover the key banking and capital markets trends that we expect to shape the market in 2014. Some of these trends include:
The continuing development of hedge funds
The expansion and diversification of the Shanghai Free Trade Zone
The future of Bitcoin in a increasingly bleak regulatory environment
Interest rate reform and how changes will affect how banks need to address the market
The webinar is one of the few webinars today looking specifically at financial technology in China and is designed to give you key insights into the latest market changes.
Influence of Foreign Direct Investment on the developement of China - Marta M...Marta Michalska
This document appears to be a student's bachelor's thesis on the influence of foreign direct investment (FDI) on the development of China. It includes the student's identifying information, thesis title, supervisor signatures, table of contents, and introduction. The introduction provides background on China's economic growth in recent decades and states that the main hypothesis is that FDI has been a main source of China's success and influenced its economic growth and development. It also summarizes that the thesis will examine FDI definitions, flows into and out of China, effects on the Chinese economy, and future economic forecasts for China.
Banking sector developments in emerging markets a review of recent developmen...Alexander Decker
This document summarizes recent developments in the banking sector across Africa. It finds that financial deepening, as measured by indicators like private credit to GDP, has increased across the continent from 1999-2010, with the highest growth in North Africa. Banking sectors in North African countries like Egypt, Algeria, and Tunisia are dominated by large state-owned banks, while Morocco has a more private bank-dominated system. East and Central Africa generally lag behind other regions in terms of financial deepening indicators. The document provides statistics and analysis on banking sector trends in various African countries and regions.
An analysis of the challenges faced by banks in managing credit in zimbabweAlexander Decker
This document analyzes the challenges faced by banks in managing credit in Zimbabwe after the introduction of a multicurrency system in 2009. It discusses how the multicurrency regime has limited the central bank's ability to inject liquidity into banks. The study examines banks' loan-to-deposit ratios and levels of non-performing loans. Through a survey of banks, the study finds that low lending levels and increasing non-performing loans pose credit risks for banks. Statistical analysis supports the hypothesis that higher lending exposes banks to greater risk of non-performing loans. The challenges of credit management in Zimbabwe's unstable economic environment are also discussed.
This document summarizes key topics in economics including banking systems, banks, the history of the State Bank of Pakistan, interest rates, and how interest rates impact the Pakistani economy. It defines a banking system as a network of financial institutions that create and control a country's money supply. It outlines the functions of banks and provides details on the establishment of the State Bank of Pakistan in 1948. It defines interest rates and discusses the advantages and disadvantages of high and low interest rates. Finally, it shows how interest rates influence the demand and supply of money and investment in Pakistan's economy.
Dr. Chao profile in Linkedin (May-2016)Edward Chao
Current Occupation:
Full-time faculty, Assistant Professor, Department of Finance and Institute of Financial Management, College of management, Nan Hua University (2013/8/1 ~ Now)
Main research is focused in five main fields,
1. International Diversification and FDI Investment Policy
2. MNE FDI Strategy and Global Strategy
3. Evaluating MNE Investment Strategy and Performance in Emerging Economy
4. International Finance and Investment Policy
5. FDI Investment Risk Management in business and emerging economies
The website linkage
http://isites.nhu.edu.tw/yschao/doc/836
http://www.worldwidebranding.com/MembersOnly/Settings/MyProfile.aspx
http://www.amazon.com/-/e/B00IV30N1E
https://plus.google.com/u/0/112211076070595678650/posts
This document analyzes factors affecting the profitability of banks operating in North East Asia between 2013 and 2017. It examines the performance of both foreign and domestic corporate banks that directly invested in the region through mergers and acquisitions. Quantitative analyses were conducted using variables like net interest margin, return on assets, loan to deposit ratios, equity levels, and macroeconomic indicators from countries in North East Asia. The results provide insights into how different factors influence the profitability of banks in the financially advanced markets of North East Asia.
The document summarizes research on the financial internationalization of Zimbabwean firms since 2009. It finds that Zimbabwean firms are not significantly engaged in financial internationalization based on indicators like foreign shareholders, foreign debt, and foreign investments. The main drivers for firms already internationalizing are restrictions on the local financial market and keeping up with globalization. However, the main challenges deterring internationalization are a lack of managerial resources and a poor appreciation of financial internationalization among stakeholders. The research aims to further examine the extent, drivers, challenges, and benefits of financial internationalization for Zimbabwean firms.
Report - The Prosperity Index In Africahamishbanks
Entrepreneurs play a key role in fostering wealth and wellbeing for ordinary Africans; entrepreneurs are "enablers of growth" who break down economic barriers and social constraints.
This document discusses private equity as a solution for investing in small and growing businesses (SGBs) in Africa. It notes that while Africa's growth has been fast, it has not generated enough jobs and has not been sufficiently inclusive. SGBs are seen as key to large-scale job creation on the continent as they can create good quality formal sector jobs. However, SGBs in Africa face major obstacles around access to long-term finance, skills, and low governance/management practices. The document introduces private equity as a potential solution that is adapted to SGBs' needs, but notes its penetration of the African SGB segment remains limited.
Impact of Liquidity crisis to commercial banks in ZimbabweAleck Makandwa
A research carried out by a 2:2 student studying Banking and Finance at Great Zimbabwe Universty which can help Bankers and those who are interested in Banking System to know about the effects of Liquidity crisis to commercial banks in Zimbabwe.....
The document provides an overview and analysis of the competitive landscape of the Zimbabwean banking sector in 2013. It discusses the structure and performance of the banking sector, comparing it to other countries in the region. While the sector has remained sound, banks are facing challenges from the uncertain political environment and tight liquidity conditions. The ability to mobilize cheaper credit and diversify revenues will be important for banks going forward. The sector exhibits monopolistic and oligopolistic characteristics, with the potential for electronic banking to provide future opportunities.
The People's Bank of China lowered its reserve requirement ratio and injected funds into the economy in an attempt to stimulate growth. However, the timing of these actions was poor as it went against recent assurances and weakened the yuan more than expected. The PBC recommends a transition to a more flexible exchange rate over time to regain monetary policy independence while avoiding a floating currency that could lead to panic. This would help boost confidence and ease capital outflows driven by economic fears.
The Financial Services Volunteer Corps (FSVC) is a nonprofit organization that helps countries build strong financial systems through technical assistance from volunteer financial professionals. It provides expertise in areas like banking, central banking, and anti-money laundering. Since 1990, over 6,000 volunteers from fields like banking, law, and regulation have participated in over 1,300 FSVC missions across 30 countries. Recent projects include training Russian bankers in anti-money laundering and advising Afghanistan on currency conversion. FSVC receives funding from sources like the U.S. Department of State and operates offices in 10 countries.
The document provides a history and analysis of the commercial banking sector in Pakistan from 1947 to the present. It summarizes the key periods of establishment from 1947-1974, nationalization from 1974-1979, and privatization from 1991-2000. It then analyzes the performance of the four main sectors (private, public, foreign, privatized) from 2011-2016 based on deposits, investments, interest income, and market share. Deteriorating economic conditions could negatively impact banks through lower investments, higher interest rates, inflation, and falling asset prices. The non-financial performance of some major banks is also summarized.
The document discusses strategies for the Bank of Moscow to help establish Moscow as an international financial center. It identifies target customer segments for the Bank based on a SWOT analysis, including young leaders, affluent middle-aged, active middle-aged, and rational youth. The strategy proposes focusing on increasing financial literacy, developing products tailored for each segment, and investing in personnel training to capture more customers and investments. Projections estimate the strategies could increase the Bank's investments in Moscow by over 150% by 2016.
This document provides an analysis of financing needs and opportunities in the cultural and creative sector in Europe. It finds that cultural and creative industries (CCIs) face specific challenges in accessing finance due to their small size, lack of business skills, and difficulties valuing intangible assets. A wide range of financial instruments exist across Europe, including loans, guarantees, equity, tax incentives and grants. However, CCIs make limited use of these tools. The document recommends that local and regional authorities play a key role in developing tailored financial schemes for CCIs and improving relations between the sector and investors. Public support can help address market failures and trigger greater private investment in CCIs.
Asian monetary cooperation£ºtheory and possibilityR_24
The document analyzes the theory and possibility of Asian monetary cooperation. It finds that intra-regional trade and investment in East Asia is high, meeting some conditions for an optimal currency area. However, factors like low labor mobility and differences in economic development levels mean East Asia does not fully meet optimal currency area conditions. While a single Asian currency is not currently possible, the document concludes that sub-regional monetary cooperation, such as between China, ASEAN countries, and Japan/Korea could be established as an intermediate step. In the long run, a unified Asian Monetary Union may be possible after further economic integration.
Mechanisms for Financing Investment Projects through Commercial Bank LoansYogeshIJTSRD
The article analyzes the role of commercial banks in financing investment projects. The experience of developed foreign countries in financing investment projects is studied. The activities of commercial banks for lending to investment projects were studied and suggestions were made for their improvement. Norov Akmal Ruzimamatovich | Mirzayev Azamat Abdujalilovich | Haydarov O’ral Axmadovich | Qahorov Bobur Baxtiyorovich | Nurmuxammedov Abdijabbar Yunusovich "Mechanisms for Financing Investment Projects through Commercial Bank Loans" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Special Issue | Innovative Development of Modern Research , April 2021, URL: https://www.ijtsrd.com/papers/ijtsrd41106.pdf Paper URL : https://www.ijtsrd.com/management/accounting-and-finance/41106/mechanisms-for-financing-investment-projects-through-commercial-bank-loans/norov-akmal-ruzimamatovich
This document analyzes the financial performance of Oman's seven local commercial banks from 2005 to 2009 in the context of the global financial crisis. It finds that banks were impacted differently depending on their orientation and strategy, with some strong in marketing, others in shareholder returns, and some focused on efficiency. Overall, the effects of the crisis were not significant for most banks except National Bank of Oman. The banks demonstrated resilience and stability. The analysis evaluates the banks' competitiveness and sustainability to identify strengths and weaknesses.
Effect of Deposit Money Bank Failure on Economic Development of Nigeria, 2009...ijtsrd
This document discusses the effect of bank failure on Nigeria's economic development from 2009-2019. It begins by establishing that banks play a vital role in providing capital for investment and improving economic well-being, so their collapse can negatively impact economic development. The study uses data from the Nigeria Deposit Insurance Corporation and Central Bank of Nigeria to examine the relationship between bank failure factors like non-performing loans, capital adequacy ratios, and liquidity ratios on unemployment rates. The results found that bank failure Granger causes unemployment in Nigeria over the period studied. The study recommends that banks maintain adequate capital levels and collateral for loans to avoid failures that could undermine economic development.
The document discusses the importance of developing a financial system for transition economies like Uzbekistan. It outlines several key theoretical arguments for why financial systems are important:
1) They mobilize savings by channeling funds from savers to investors.
2) They allocate resources more efficiently by reducing information costs and facilitating better investment decisions.
3) They help monitor managers and exert corporate control.
4) They allow for risk transfer through financial instruments and diversification.
5) They facilitate exchange and specialization, promoting economic growth.
Developing the financial system is important for transition economies like Uzbekistan to integrate their economies with market mechanisms.
2014 China Financial Industry Trends and OutlookKapronasia
The webinar is complimentary and open to both clients and non-clients of Kapronasia. During the one hour webinar we will cover the key banking and capital markets trends that we expect to shape the market in 2014. Some of these trends include:
The continuing development of hedge funds
The expansion and diversification of the Shanghai Free Trade Zone
The future of Bitcoin in a increasingly bleak regulatory environment
Interest rate reform and how changes will affect how banks need to address the market
The webinar is one of the few webinars today looking specifically at financial technology in China and is designed to give you key insights into the latest market changes.
Influence of Foreign Direct Investment on the developement of China - Marta M...Marta Michalska
This document appears to be a student's bachelor's thesis on the influence of foreign direct investment (FDI) on the development of China. It includes the student's identifying information, thesis title, supervisor signatures, table of contents, and introduction. The introduction provides background on China's economic growth in recent decades and states that the main hypothesis is that FDI has been a main source of China's success and influenced its economic growth and development. It also summarizes that the thesis will examine FDI definitions, flows into and out of China, effects on the Chinese economy, and future economic forecasts for China.
Banking sector developments in emerging markets a review of recent developmen...Alexander Decker
This document summarizes recent developments in the banking sector across Africa. It finds that financial deepening, as measured by indicators like private credit to GDP, has increased across the continent from 1999-2010, with the highest growth in North Africa. Banking sectors in North African countries like Egypt, Algeria, and Tunisia are dominated by large state-owned banks, while Morocco has a more private bank-dominated system. East and Central Africa generally lag behind other regions in terms of financial deepening indicators. The document provides statistics and analysis on banking sector trends in various African countries and regions.
An analysis of the challenges faced by banks in managing credit in zimbabweAlexander Decker
This document analyzes the challenges faced by banks in managing credit in Zimbabwe after the introduction of a multicurrency system in 2009. It discusses how the multicurrency regime has limited the central bank's ability to inject liquidity into banks. The study examines banks' loan-to-deposit ratios and levels of non-performing loans. Through a survey of banks, the study finds that low lending levels and increasing non-performing loans pose credit risks for banks. Statistical analysis supports the hypothesis that higher lending exposes banks to greater risk of non-performing loans. The challenges of credit management in Zimbabwe's unstable economic environment are also discussed.
This document summarizes key topics in economics including banking systems, banks, the history of the State Bank of Pakistan, interest rates, and how interest rates impact the Pakistani economy. It defines a banking system as a network of financial institutions that create and control a country's money supply. It outlines the functions of banks and provides details on the establishment of the State Bank of Pakistan in 1948. It defines interest rates and discusses the advantages and disadvantages of high and low interest rates. Finally, it shows how interest rates influence the demand and supply of money and investment in Pakistan's economy.
Dr. Chao profile in Linkedin (May-2016)Edward Chao
Current Occupation:
Full-time faculty, Assistant Professor, Department of Finance and Institute of Financial Management, College of management, Nan Hua University (2013/8/1 ~ Now)
Main research is focused in five main fields,
1. International Diversification and FDI Investment Policy
2. MNE FDI Strategy and Global Strategy
3. Evaluating MNE Investment Strategy and Performance in Emerging Economy
4. International Finance and Investment Policy
5. FDI Investment Risk Management in business and emerging economies
The website linkage
http://isites.nhu.edu.tw/yschao/doc/836
http://www.worldwidebranding.com/MembersOnly/Settings/MyProfile.aspx
http://www.amazon.com/-/e/B00IV30N1E
https://plus.google.com/u/0/112211076070595678650/posts
This document analyzes factors affecting the profitability of banks operating in North East Asia between 2013 and 2017. It examines the performance of both foreign and domestic corporate banks that directly invested in the region through mergers and acquisitions. Quantitative analyses were conducted using variables like net interest margin, return on assets, loan to deposit ratios, equity levels, and macroeconomic indicators from countries in North East Asia. The results provide insights into how different factors influence the profitability of banks in the financially advanced markets of North East Asia.
The document summarizes research on the financial internationalization of Zimbabwean firms since 2009. It finds that Zimbabwean firms are not significantly engaged in financial internationalization based on indicators like foreign shareholders, foreign debt, and foreign investments. The main drivers for firms already internationalizing are restrictions on the local financial market and keeping up with globalization. However, the main challenges deterring internationalization are a lack of managerial resources and a poor appreciation of financial internationalization among stakeholders. The research aims to further examine the extent, drivers, challenges, and benefits of financial internationalization for Zimbabwean firms.
Report - The Prosperity Index In Africahamishbanks
Entrepreneurs play a key role in fostering wealth and wellbeing for ordinary Africans; entrepreneurs are "enablers of growth" who break down economic barriers and social constraints.
This document discusses private equity as a solution for investing in small and growing businesses (SGBs) in Africa. It notes that while Africa's growth has been fast, it has not generated enough jobs and has not been sufficiently inclusive. SGBs are seen as key to large-scale job creation on the continent as they can create good quality formal sector jobs. However, SGBs in Africa face major obstacles around access to long-term finance, skills, and low governance/management practices. The document introduces private equity as a potential solution that is adapted to SGBs' needs, but notes its penetration of the African SGB segment remains limited.
A Construct Validity of Investment Decision in the Banking Sector in Libya (A...IOSR Journals
Investment decision is an important part of strategic decision making. This is because such decision has involves the allocation of money as is known currently over a period of time, in order to make a profit in future and also be subject to different degrees of risk and uncertainty. However, this paper has an objective to validate the measurements of investment decision in the banking sector in Libya. Moreover, this paper provides comprehensive information on the investment decision in Libyan commercial banks, as well as gaining an understanding on the dimensions of customers’ decisions to invest. Structural equation modeling using 2nd order CFA was employed to validate the measurements. The findings confirmed financial ability, perceived usefulness, product and company attributes and knowledge and past experiences as dimensions of investment decision. The present study has a fundamental contribution as a role model for the investment decision measurements in Libya.
Uneca financing small and medium industries in africaDr Lendy Spires
The keynote speech discusses financing for small and medium enterprises (SMEs) in Africa. It notes that SMEs make up the majority of businesses and have significant potential to boost economic growth and employment, but lack of access to financing is a major obstacle. The speech calls on participants to move beyond just discussing the problem and to focus on implementing practical solutions. It suggests several areas to address: developing financial institutions specialized in SME lending; sharing best practices and appropriate financing models from within and outside Africa; and addressing broader factors like infrastructure and policies that impact SME success and access to financing. The goal is to narrow the gap between identifying issues and delivering solutions to enable sustainable financial flows that allow SMEs to drive economic
Africa has experienced strong economic growth over the past decade. Several factors are driving this success, including improving macroeconomic conditions, business reforms, a growing middle class and urbanization, and increasing trade and investment links with emerging economies like China and India. However, for growth to be sustainable, African countries will need to undergo economic transformation by moving labor and capital from low-productivity activities like agriculture and raw materials to higher productivity sectors like manufacturing and services. The document discusses frameworks for transformation and the policy enablers needed, including infrastructure, education and skills development.
Address to the Subcommittee on International Monetary Policy and Trade Wagane Diouf
1. Mr. Wagane Diouf spoke to the Subcommittee on International Monetary Policy and Trade about the potential of microfinance in Africa and the role of development institutions.
2. He discussed the success story of AfriCap Microfinance Fund's early investment in Equity Bank Kenya, which grew to become the largest bank in Kenya.
3. Mr. Diouf argued that the best way for development institutions to support the microfinance industry in Africa is by partnering with microfinance investment vehicles and focusing on improving credit bureaus, IT infrastructure, and management capacity building.
This document is a project report submitted to Punjab Technical University by Aijaz Ahmed Rather for the partial fulfillment of an MBA degree. The report examines the role of nationalized banks in promoting microfinance services among rural people in Punjab, India. It includes an acknowledgement, executive summary, table of contents, and suggested chapter plan. The project report analyzes microfinance in India, issues for commercial banks, the research methodology used, and will provide conclusions, limitations, recommendations, and suggestions.
This document is a project report on Asian banks that discusses their emerging developments in growth, structure, and efficiency. It provides an introduction and acknowledgments. It then discusses several key metrics of Asian banking systems, including domestic credit provided by banks as a percentage of GDP in various Asian countries, non-performing loans as a percentage of total loans, and emerging issues facing Asian banks like growth of personal and online banking. The report aims to analyze the growth, structure, and efficiency of Asian banks.
Abstracts on First East Africa Finance SummitMeshesha Demie
This document provides information about the 1st Annual East Africa Finance Summit held on December 14-15, 2016 in Addis Ababa, Ethiopia. It was organized by five institutions: Addis Ababa University, Jimma University, The i-Capital Africa Institute, Addis Ababa University Business Enterprise, and Public Financial Enterprises Agency. The summit aimed to provide a platform for stakeholders in East Africa's financial sectors to discuss issues shaping the future of finance in the region. Over two days, the event included keynote speeches, panel discussions, and presentations on topics such as financial inclusion, regulations, emerging technologies, and cross-border banking.
This document discusses opportunities for small and medium enterprises (SMEs) in Africa to support economic growth and job creation. It notes that while Africa has experienced economic growth in recent years, this growth has largely been driven by commodity exports and has not effectively reduced poverty or inequality. For growth to be more inclusive and sustainable, SMEs will need to play a larger role by diversifying economies, creating jobs, boosting skills development, and improving access to capital, markets, and infrastructure. The document advocates for solutions that support SMEs through skills training, financing, market access, and innovative business models.
NORMAT E INTERESIT / INTEREST RATES IMPACT AND LOAN SYSTEM IN THE ECONOMIC DE...Shkumbin Gërguri
Commercial banks are intermediators of the interaction between business entities and other economic, legal and social agents. Today, banks do not have the approach towards the classic model, whose function was only to offer classic services of deposits and loans,; with evolution of global trends and technology banks have created nowadays a modern system of operating that applies techniques and methods that are the trend of globalization.
2008 Developing Financial Services and Improving the Efficiency of the Bank...econsultbw
This document provides recommendations for improving the supply of term finance in Angola. It finds that while term lending is growing, most businesses and households lack access to finance for investment due to constraints like a lack of long-term sources of funds, a poor legal environment, limited bankable projects, and weak property registration. The Development Bank of Angola was established to promote investment but may face difficulties due to Angola's weak business environment. The new Angola Stock Exchange could indirectly increase term lending if commercial banks participate, but few firms may directly issue securities initially due to disclosure requirements. Over 80 recommendations are provided across various chapters to address these challenges.
Challenges and Changes The Political Economy of National Development Banks in...Mondher Khanfir
This research traces the history of the development banking in Tunisia, and focus on the last created National Developement Bank, namely the BFPME. It describe and analyze its governance structure, business model and sources of financing. It also reviews the structural and other factors that have influenced the sustainability of the bank. These include the regulatory provisions and the institutional framework, as well as the consequences of the 2011 Revolution, in terms of social tensions and political instability in Tunisia.
AlHuda CIBE is pleased to announce its upcoming event the "African Interest-free Banking and Finance Forum" on 6th February, 2019 followed by Post Event Workshop “Interest-Free Banking & Finance, Insurance & Microfinance” on 7th - 8th February, 2019 at Addis Ababa, Ethiopia. The aim of this forum is to address the latest trends, challenges, and opportunities in Finance Industry of Africa.
The document discusses trends in the microfinance industry globally and in India. Key points:
- Microfinance institutions (MFIs) have played a large role in addressing financial inclusion, though 2 billion people still lack access to financial services.
- Growth has been uneven globally, with some regions slowing down due to economic factors while Asia/Africa are growing. However, significant potential remains as financial exclusion is still widespread.
- In India, while inclusion has increased, banks have traditionally not focused on lower income groups. MFIs emerged to address this need, though their role in the ecosystem has changed over time.
Foreign banks have increasingly entered emerging market economies since the 1990s, bringing new products, technology and access to lower-cost funds. However, they also increase these economies' susceptibility to global economic shocks. While foreign banks provide benefits, local banks often struggle to compete. Regulations governing foreign bank entry and operations are evolving in emerging markets as these economies liberalize and integrate further with global financial systems. The roles and impacts of foreign banks in emerging markets will continue changing as these markets and their banking environments develop further.
The document is the Africa Competitiveness Report 2013 published jointly by the World Economic Forum, World Bank, African Development Bank, and Ministry of Foreign Affairs of Denmark. It provides an overview and assessment of Africa's competitiveness based on collaboration between these organizations. The report finds that while Africa has experienced strong economic growth, it needs to translate this into improved living standards. It highlights areas for policy action and investment to ensure sustainable and inclusive growth through increased regional integration and connecting Africa's markets.
This document discusses the development of microfinance in Africa and argues for an alternative approach. Some key points:
1. Microfinance has a long history in Africa but took its current form in the 1980s as a self-help initiative for the poor. However, its development is now influenced by global politics and market-based ideology.
2. Commercializing and mainstreaming microfinance through capital markets and regulation has constrained growth and neglected institutional development needs. This has undercapitalized Africa's microfinance industry despite developing investment funds.
3. For microfinance to succeed in Africa, it must put client needs first before other concerns, focus on opening economic opportunities for the poor, and have committed, mission-driven
1) The document is the opening address by Mario Draghi, Governor of the Bank of Italy, at a seminar on Islamic finance organized by the Bank of Italy.
2) Islamic finance has grown rapidly in recent decades, with estimated global assets now over $800 billion, and it is developing further in Europe and other regions.
3) The growth of Islamic finance adds complexity to the global financial system, so enhanced international cooperation is needed between policymakers and regulators to pursue a sound system while allowing benefits of a dynamic industry.
Luận Văn Financial Performance Analysis. A healthy and vibrant economy requires a financial system that moves funds from people who save to people who have productive investment opportunities. The financial system is complex in both structure and function throughout the world. It includes many different types of institutions’: banks, insurance companies, mutual funds, stock and bond markets, etc. According to Spong(2000), efficiency and competition are closely linked. In a competitive banking system, banks must operate efficiently and utilize their resources wisely if they are to keep their customers and remain in business. Zerayehu et al., (2013) also argued that survival in today’s competitive environment totally depends on performance and growth. Competition has implications for efficiency, innovation, pricing, availability of choice, consumer welfare, and the allocation of resources in the economy.
Similar to Banking in sub-Saharan Africa - Challenges and Opportunities (20)
Mckinsey company - Capturing the next wave of growth in alternative Investmentsasafeiran
Investment trends come and go, so it may be tempting to
think of the current rush to alternatives as a passing fad. On
the one hand, money has continued to pour into the
category—which McKinsey defines to include hedge funds,
funds of funds, private equity, real estate, commodities and
infrastructure—over the past three years, with global assets
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How the balanced scorecard complements the McKinsey 7-S modelasafeiran
The diagram for the 7-S model looks like a spider-web, with
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The Africa Progress Report (APR) is the annual flagship publication of the Africa
Progress Panel. The APR draws on the best research and analysis available on
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Baseline Renewable Energy - Africa Databaseasafeiran
facilitate the widespread introduction of renewable energy projects in the region that are sustainable and contribute towards the availability of locally generated energy in COMESA
• Consumer expenditure in SSA
equaled nearly $600 billion in
2010, accounting for almost eight
percent of all emerging-market
spending, and is expected to reach
nearly $1 trillion by 2020.
• Consumer spending in South
Africa and Nigeria accounts for 51
percent of SSA's total expenditure.
• Poverty in SSA is decreasing
rapidly—from 40 percent in 1980 to
less than 30 percent in 2008—and is
expected to fall to 20 percent by 2020.
• By 2050, almost 60 percent of
people in SSA will live in cities,
compared with 40 percent in 2010.
This means 800 million more people
will live in urban environments.
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Africans—or more than 500 million
people—will own a mobile phone.
By 2014, this portion is expected to
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million people), giving Africa one of
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Cost and Financing of Education in Mozambiqueasafeiran
This document provides a summary of the cost and financing of education in Mozambique. It finds that while enrollment rates have increased steadily over the past decade, quality remains low due to challenges such as teacher shortages and inefficient allocation. Recurrent costs per student are relatively high compared to other countries but outcomes are still poor. There are also significant disparities in access and outcomes based on gender and geographic location. Overall, the education system is underperforming given the resources available, and reforms are needed to improve efficiency, equity and learning outcomes.
Doing Business in Nigeria - Creating Wealth from Opportunitiesasafeiran
The document discusses opportunities for business in Nigeria. It notes that Nigeria is one of the key markets behind Africa's economic growth story and its large population and economy make it an important market for investors. It outlines various emerging opportunities in sectors like agriculture, power, oil and gas, infrastructure, mining, and telecommunications that are being driven by government reforms and the growing consumer class. The parting message encourages taking advantage of the current window of opportunity in Nigeria's expanding economy.
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The annual Africa Progress Report is the flagship publication of the Africa Progress
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Ernst & Young’s Africa Attractiveness Survey 2013asafeiran
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How China is influencing Africa's Developmentasafeiran
This document discusses China's increasing engagement with Africa over the past decade. It poses three questions about China's impact on Africa's development: 1) Will China help African industrialization? 2) Does China's model of concessional finance offer a new approach for Africa's extractive industries? 3) Will China's infrastructure investments help integrate Africa's economies? After decades of reduced involvement, China is now a major investor and partner in Africa as its companies look abroad and its policy banks provide loans for commodities and projects.
Global Risks 2014 - The World Economic Forumasafeiran
Objectives of the Global Risks 2014 Report:
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The roles and opportunities for the private sector in Africa’s agro food indu...asafeiran
The study commissioned by the United Nations
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farmers into viable agri-enterprises.
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https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
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4. Lead authors
Montfort Mlachila, Deputy Division Chief, International Monetary Fund
Dennis Dykes, Chief Economist, Nedbank
Sabina Zajc, Economist, European Investment Bank
Paul-Harry Aithnard, Group Head of Research, Ecobank
Thorsten Beck, Professor of Economics, Tilburg University
Mthuli Ncube, Chief Economist and Vice-President, African Development Bank
Oskar Nelvin, Economist, European Investment Bank
Editors
Pedro de Lima, Head of Division, European Investment Bank
Sabina Zajc, Economist, European Investment Bank
Anna Schumacher, Senior Assistant, European Investment Bank
Robert Schmitz, Statistical and Reporting Analyst, European Investment Bank
The articles in this document were discussed at a roundtable event hosted by the EIB’s
Economics Department in Luxembourg on January 23rd, 2013.
About the Economics Department of the EIB
The mission of the EIB Economics Department is to provide economic analyses and studies
to support the Bank in its operations and in its positioning, strategy and policy. The
Department, a team of 25 economists and assistants, is headed by Debora Revoltella,
Director of Economics.
Disclaimer
The views expressed in this document are those of the authors and do not necessarily reflect
the position of the EIB.