Abstracts » Business, international

It never rains

Article Abstract:

The European banking industry has seen a number of profit warnings, and Moody's has stated that ratings could be downgraded for five banks in Europe exposed to hedge funds and emerging markets. Home markets are healthy and this helps counteract losses sustained outside the home market. Changes in banking regulations could lead to risker assets being treated more harshly. Ordinary lengding and retail banking are seen as less profitable and duller, but the banks may need to reassess this view.

Europe

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Darned interest

Article Abstract:

Brazilian consumer credit involves high interest rates, and the government aims to make credit more affordable to help economic growth. Brazil has high default rates, and interest rates generally were high, making bank rates less obviously expensive. Better credit risk assessment would help banks to cut rates to borrowers. Serasa is developing credit assessment, and the central bank also aims to help push rates down by fostering competition from foreign banks.

Consumer Credit, Economic aspects

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Down to the roots

Article Abstract:

Developments affecting Brazilian banking are examined in detail. Reasons behind the expansion of the banks are explained, as are problems faced by the banks, such as high levels of government regulation.

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