-owned banks. The levels of non-performing loans and capital adequacy ratios compare poorly in international perspective and may … for the two main stateowned banks in mid-2012. To foster the credibility of the new tests, the main results and underlying … by ring-fencing impaired assets, which would create conditions for an orderly resolution of non-viable banks and a rapid …

banks vulnerable to shifts in investor sentiment. However, investment and credit were mostly directed to sheltered sectors … commitments, this will require reforming public policies that have long distorted investment allocation, ensuring that banks …

Dutch banks were put under heavy strains early in the global downturn and have comparatively weak financial buffers to … adverse shocks. Banks are very large relative to the size of the domestic economy, have sizeable cross-border exposures and … taxpayer and the regulator’s tools available to reduce risks should be expanded. In particular, banks should set aside …

banking sector is sufficiently capitalised in the short term, banks are deleveraging by cutting down their dependence on cross … ban on foreign currency lending for mortgages, future uncertainties about parent banks’ funding and undermined creditors … while weakening banks’ solvency. The mid-December 2011 agreement between the government and the banking sector was a welcome …

the Baltics, Cyprus, Greece and Ireland, in particular, are hit by a strong decline in lending in the wake of the … capital to a market based leverage ratio of 3%, EUR 84 billion of extra capital would be needed for the largest 60 banks ….<P> At the bank level, the top tertile of well-capitalised banks (with a market based leverage ratio well above 4%) continues …

alternatives to bank lending options for SME finance is important but will take time. Restructuring banks’ balance sheets is … productivity gains, and SME competitiveness and growth. Also, easing labour market regulation would further support SME development …

, the paper discusses possibilities for international insurance as well as shock-spreading and risk-mitigating policies …

problems, the government has launched a number of reforms. New insurance schemes have been rolled out both in rural and urban …

-oriented regulatory policies and competition in banking and insurance.<P>Régulation prudentielle et concurrence sur les marchés financiers …This paper examines how a range of stability-oriented regulatory policies for banking and insurance are related to … selected stability and competition outcomes in these sectors. Based on survey information on financial market regulation …