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International Banking Regulation: Implications for European Banks and Lessons from Banco Santander

This analysis explores the internationalization of banking in Europe, focusing on the regulatory landscape shaped by past crises, including the 2008 financial crisis. Drawing lessons from Banco Santander's growth strategy between 1985 and 2005, the paper examines key regulatory changes instigated by events such as the collapse of Lehman Brothers and subsequent Basel Accords. It evaluates the European banking sector's challenges, internationalization steps in retail banking, and the evolving role of regulatory bodies like the European Banking Authority in ensuring stability and growth.

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International Banking Regulation: Implications for European Banks and Lessons from Banco Santander

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Presentation Transcript

  1. International bankingregulationimplicationsforeuropeanbanksInternationalizationofbankingin europeLessonsfromBancoSantanderSusanacristinadawidCarloMarcelTobias International Project Week 2012

  2. structure • Banking regulation • European bankingsector in trouble • Lehman Brothers (2008) • Reasonsforthecrisis • Changesbecauseofthecrisis • Banking internationalization • Stepsofinternationalization in Retail Banking • BancoSantander‘sgrowth (1985-2005) • Banks in comparison • Net PresentValue

  3. European banking sector in trouble • Dexia • France, Belgium, Luxembourg • Northern Rock • U.K. • Fortis • Netherlands, Belgium, Luxembourg • Hypo Real Estate • Germany

  4. Lehman Brothers • First bank not rescued by the government • Beginning of the international financial problem

  5. Reasons for the crisis • Subprime mortgage • Rating agencies • Fitch • Moody‘s • Standard and Poors • Highly complex financial products • Monetary policy • Interest rates • Greed

  6. Changes because of the crisis • Basel Accords • Increase the level of capital and quality • Introduce control over liquidity • European Authorities • European Banking Authority (EBA) • European stress tests • Increase in the level of deposit guarantees

  7. Steps of internationalization in Retail Banking • Step 1: Development capabilities • Step 2: Creating options • Step 3: Quick Roll-Out & implications

  8. Banco Santander’s growth (1985-2005)

  9. Banks in comparison (1985-2005)

  10. Net Present Value • Simple instrumenttomeasureinvestments NPV= NPV>0 

  11. Net Present Value Example NPV= -9500+9950 =+450

  12. … the next one please gracias por su atención Thank you for your attention DankefüreureAufmerksamkeit

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