First Royal National Bank of Britain

Article Abstract:

The merger of the Royal Bank of Scotland and Williams & Glyn in fall 1985, will result in the first British national bank. The Royal Bank Group failed to expand during the 1970s and in the early 1980s mergers were rejected by the government monopolies commission. The present financial status of each bank is assessed. Although the bank will be seeking foreign acquisitions, particularly in the United States, there is some speculation that the Royal Bank itself may be subject to takeover. Legal aspects of the merger are complex. Several difficult problems which must be resolved are examined. The bank will assume the name of one subsidiary, the Royal Bank of Scotland.

United Kingdom, Laws, regulations and rules, Bank mergers

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Product Mix

Article Abstract:

Banks must determine product mix changes. Two causes are: the developing countries, debt crisis and stricter capital/ asset ratios required in some countries, such as the United States and West Germany. Capital ratio requirements may cause reduced interbank lending, increasing capital bases, and growing emphasis on Return of Assets (ROA). Some bankers reject the concept of increasing marketable assets. Advantages and disadvantages of floating-rate notes (FRNs) are reviewed. Earning fees, such as in financing project loans, requires competitive skills. Interest-rate swaps, which are increasing, are described. Specialized expertise is necessary.

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ALM Pays Off

Article Abstract:

Banks must be aware of their current asset/liability status. Computerized systems facilitate asset/liability management. Asset/liability decisions are made daily by a committee using the current data. Managing bond portfolios of surplus liquidity and international loans are the primary concerns of Japanese bankers. Deregulation will cause a restructuring of international bank branch networks.

Management, International banking

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