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Proprietary trading: evidence from the crisis

Francesc R. Tous, Puriya Abbassi, Rajkamal Iyer, José-Luis Peydró. What are the consequences of proprietary trading? Banks typically hold and trade a significant amount of securities, and during the...

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Unintended consequences: specialising in risky mortgages under Basel II

Matteo Benetton, Peter Eckley, Nicola Garbarino, Liam Kirwin and Georgia Latsi. Do financial regulations change bank behaviour? Does this create new risks? Under Basel II, some banks set capital...

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Guest post: Why regulators should focus on bankers’ incentives

Charles Goodhart Last autumn, Charles Goodhart gave a special lecture at the Bank.  In this guest post he argues that regulators should focus more on the incentives of individual decision makers. The...

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The Dog and the Boomerang: in defence of regulatory complexity

Joseph Noss and David Murphy For some years, financial regulations have been becoming more complex. This has led some prominent commentators, regulators and regulatory bodies, to set out the case for...

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Insurance companies: amplifiers or the white knights of financial markets?

Graeme Douglas, Nicholas Vause and Joseph Noss Risky asset prices plummeted following the collapse of Lehman Brothers in 2008. Whilst driven partly by deteriorations in fundamental news, these falls...

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Will Pay Clawback Tame Damaging Risk-Taking In The City?

Misa Tanaka and John Thanassoulis In the 2007-8 global financial crisis, a number of banks were bailed out by taxpayers while their most senior employees were paid extraordinary bonuses up to that...

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Bitesize: The rise and fall of interest only mortgages

Sachin Galaiya The interest-only product has undergone tremendous evolution, from its mass-market glory days in the run-up to the crisis, to its rebirth as a niche product. However, since reaching a...

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The language of rules: textual complexity in banking reforms

Zahid Amadxarif, James Brookes, Nicola Garbarino, Rajan Patel and Eryk Walczak The banking reforms that followed the financial crisis of 2007-08 led to an increase in UK banking regulation from almost...

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Negotiating nationalisation

Austen Saunders 1 March 2021 was the 75th anniversary of the Bank of England’s nationalisation. While its stock formerly passed into public ownership in 1946, Lord Catto (the Governor) and Hugh Dalton...

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The Basel regulatory framework: evolution of its textual complexity

James Brookes, Matthew Everitt and Quynh-Anh Vo The Basel III framework put in place in the aftermath of the Global Financial Crisis 2007–08 consists of a range of regulatory standards, each...

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