tailieunhanh - High-level Expert Group on reforming the structure of the EU banking sector

Most credit cards charge high interest rates—as much as 18 percent or more—if you don’t pay off your balance in full each month. If you owe money on your credit cards, the wisest thing you can do is pay off the balance in full as quickly as possible. Vir- tually no investment will give you the high returns you’ll need to keep pace with an 18 percent interest charge. That’s why you’re better off eliminating all credit card debt before investing savings. Once you’ve paid off your credit cards, you can budget your money and begin to save and invest. Here. | High-level Expert Group on reforming the structure of the EU banking sector Chaired by Erkki Liikanen FINAL REPORT Brussels 2 October 2012 High-level Expert Group on reforming the structure of the EU banking sector Erkki Liikanen Chairman Hugo Banziger José Manuel Campa Louis Gallois Monique Goyens Jan Pieter Krahnen Marco Mazzucchelli Carol Sergeant Zdenek Tuma Jan Vanhevel Herman Wijffels Secretariat Nadia Calvino Nathalie De Basaldua Martin Merlin Mario Nava Leonie Bell Jan Ceyssens Sarai Criado Nuevo Mattias Levin Stan Maes Sonja Van Buggenhout Assistant to the Chairman Hanna Westman Bank of Finland Table of content LETTER FROM THE SUMMARY OF THE EXECUTIVE 1 2 AGGREGATE EU BANK SECTOR Crisis Looking backward EU bank sector developments leading up to the Impact of the financial Developments since the financial 3 DIVERSITY OF BANK BUSINESS MODELS IN General findings on the performance and risks of different bank business Large versus small Large and systemically important EU Diversity in EU banking Publicly influenced banking models and cooperative and savings Case studies Illustration of business models that failed in the 4 EXISTING AND FORTHCOMING REGULATORY Agreed and proposed Structural 5 FURTHER REFORMS OF THE EU BANKING The role of banks in financing the real The problems in the EU banking Evaluating the current regulatory reform Determining the nature of further The The European institutional LIST OF APPENDIX 1 AGGREGATE APPENDIX 2 PREVIOUS BANKING APPENDIX 3 .

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