Impact Of Basel Iii On Banks And The Consequence For Sme Financing

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Impact of Basel III on Banks and the Consequence for SME Financing

Author : Moritz Werner
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (86 download)

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Book Synopsis Impact of Basel III on Banks and the Consequence for SME Financing by : Moritz Werner

Download or read book Impact of Basel III on Banks and the Consequence for SME Financing written by Moritz Werner and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Diese Arbeit untersucht den Einfluss von der unmittelbaren Einführung des Basel III Regelwerkes auf Banken, ihre Kreditvergabe und die daraus resultierenden Konsequenzen für mittelständische Unternehmen in Deutschland. In dieser Arbeit wird herausgearbeitet wie strengere Kapitalanforderungen langfristig die Finanzierungskosten einer Bank erhöhen werden und diese möglicherweise an die Bankkunden in Form von höheren Zinsen weitergegeben werden. Weitere Konsequenzen wurden in einer restriktiveren Kreditvergabe, der Reduzierung von risikobehafteten Anlagen und in der Verschärfung von Kreditkonditionen gefunden. Darüber hinaus werden Kredite an mittelständische Unternehmen unter Basel III unvorteilhaft gegenüber anderen Krediten behandelt. Diese Auswirkungen von Basel III im Kreditgeschäft wurden auf die finanziellen Kennzahlen von 143 mittelständischen Unternehmen projiziert mit dem Ergebnis, dass vor allem die Profitabilität sinkt während die Liquidität stabil bleibt. Zusätzlich entsteht bei den untersuchten Unternehmen eine durchschnittliche Finanzierungslücke von 5% der totalen Aktiven.

Importance of Basel III for lending alternatives to SMEs

Author : Daniel Hosp
Publisher : GRIN Verlag
ISBN 13 : 3656367426
Total Pages : 27 pages
Book Rating : 4.6/5 (563 download)

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Book Synopsis Importance of Basel III for lending alternatives to SMEs by : Daniel Hosp

Download or read book Importance of Basel III for lending alternatives to SMEs written by Daniel Hosp and published by GRIN Verlag. This book was released on 2013-02-05 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2012 in the subject Business economics - Investment and Finance, grade: 1, University of Innsbruck, course: Aktuelle Themen in Banking and Finance, language: English, abstract: Basel III is currently on everyone’s lips. Some weeks before the introduction of the first requirements it is still not fully clear how and which parts of it will be implemented. Several studies about the impact of Basel III on bank loan availability for small and medium sized companies (SMEs ) do exist (e.g. McKinsey (2010)) which have shown that the introduction of those new regulatory requirements hamper the access for SMEs to sufficient sources of funding. This raises the question if these restrictions for bank lending can be substituted by some alternative funding source or if the availability of external finance to SMEs will be constrained under Basel III. This seminar paper focuses on the lending alternatives apart from bank loans and the possibility of gathering additional equity capital. This is basically the so called asset based finance. Thereby the paper concentrates on European SMEs as long as their conditions are quite similar to those of Austrian SMEs and the introduction of Basel III can be expected to be most strict for European financial institution and thus may hit those SMEs the most. Before starting with the explanation of different lending alternatives the importance of SMEs for the global economy should be pointed out. The importance is especially present in Europe. SMEs account for two third of the total employment in the EU-27 area and they generated more economic growth from 2002 to 2008 than large firms did (Oxford Economics, 2011). Moreover they represent 99% of all businesses that exist in Europe (European Commission, 2005). So SMEs are the main driver of economic growth, employment and wealth in Europe. Apart from that each single SME does not have a systematic risk and they were also not responsible for the current financial crisis. Thus SMEs should generally be supported to sustain growth and employment. Nevertheless the rules of Basel III may have highly negative influences on their financing possibilities which moreover has a negative effect on the real economy...

The Impact of Basel II Reforms

Author : Apolline Charpentier
Publisher :
ISBN 13 :
Total Pages : 74 pages
Book Rating : 4.:/5 (89 download)

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Book Synopsis The Impact of Basel II Reforms by : Apolline Charpentier

Download or read book The Impact of Basel II Reforms written by Apolline Charpentier and published by . This book was released on 2014 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: The implementation of Basel II reforms has been designed to protect the international financial system from major bank collapses through the enforcement of minimum capital adequacy ratios. This new set of rules has raised concerns of triggering changes in institutions' business models leading to credit contraction, which in turn could potentially contribute to slower global economic development. Small and Middle Enterprises, which have traditionally been engines of growth, innovation, and R&D in Europe, are highly reliant on bank loans as opposed to equity funding. This thesis focuses on the specific impact of Basel II reforms on SME access to financing. The paper is structured around four sections. Part I provides a technical summary of the regulation, focusing on the specific capital requirements for SMEs. Part II reviews today's literature on the topic. Finally, parts III and IV respectively provide a theoretical and empirical examination of the consequences of the reforms on SME financing. Based on these analyses, this thesis supports the conclusion that Basel II reforms have not been the cause of a contraction in SME lending.

The New Basel Capital Accord and SME Financing

Author : Rym Ayadi
Publisher : Centre for European Policy Studies
ISBN 13 :
Total Pages : 124 pages
Book Rating : 4.:/5 (321 download)

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Book Synopsis The New Basel Capital Accord and SME Financing by : Rym Ayadi

Download or read book The New Basel Capital Accord and SME Financing written by Rym Ayadi and published by Centre for European Policy Studies. This book was released on 2005 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: The First Basel Capital Accord, implemented in 1988, was aimed at ensuring the soundness and stability of the international banking system. The new accord, Basel II, which is planned for implementation in December 2006, is intended to strengthen the framework for dealing with credit risk. This book provides an informative analysis of what Basel II means for the small and medium-sized enterprize (SME) sector in Europe and its impact on its credit financing conditions. It also presents a detailed analysis of how banks formulate an internal rating system and illustrates how this system works in practice. Finally, it concludes with the key measures that should be taken by banks, SMEs, and public policymakers to improve financing in the new rating culture.

Basel III and Bank-Lending: Evidence from the United States and Europe

Author : Mr.Sami Ben Naceur
Publisher : International Monetary Fund
ISBN 13 : 1484328302
Total Pages : 54 pages
Book Rating : 4.4/5 (843 download)

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Book Synopsis Basel III and Bank-Lending: Evidence from the United States and Europe by : Mr.Sami Ben Naceur

Download or read book Basel III and Bank-Lending: Evidence from the United States and Europe written by Mr.Sami Ben Naceur and published by International Monetary Fund. This book was released on 2017-11-15 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using data on commercial banks in the United States and Europe, this paper analyses the impact of the new Basel III capital and liquidity regulation on bank-lending following the 2008 financial crisis. We find that U.S. banks reinforce their risk absorption capacities when expanding their credit activities. Capital ratios have significant, negative impacts on bank-retail-and-other-lending-growth for large European banks in the context of deleveraging and the “credit crunch” in Europe over the post-2008 financial crisis period. Additionally, liquidity indicators have positive but perverse effects on bank-lending-growth, which supports the need to consider heterogeneous banks’ characteristics and behaviors when implementing new regulatory policies.

Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States

Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 66 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States by : Allen N. Berger

Download or read book Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States written by Allen N. Berger and published by . This book was released on 2004 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Basel III Implementation and SME Financing

Author : Boris Fišera
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (117 download)

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Book Synopsis Basel III Implementation and SME Financing by : Boris Fišera

Download or read book Basel III Implementation and SME Financing written by Boris Fišera and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consequences of basel II for small and mid-sized enterprises

Author : Björn Schlüter
Publisher : diplom.de
ISBN 13 : 3832455582
Total Pages : 62 pages
Book Rating : 4.8/5 (324 download)

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Book Synopsis Consequences of basel II for small and mid-sized enterprises by : Björn Schlüter

Download or read book Consequences of basel II for small and mid-sized enterprises written by Björn Schlüter and published by diplom.de. This book was released on 2002-06-26 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inhaltsangabe:Abstract: At present, rating is the number-one-topic discussed, both within the banking community and also, even more frequently, at enterprises. The second consultative package of the Basel Committee for Banking Supervision provides a basic change in equity capital contribution of banks. It is expected to change the rules of the credit business with institutional customers considerably. As a result, especially small and mid-sized enterprises are forced to enhance their credit standing in order not to struggle with the serious consequences of Basel II. This case study shows how! Inhaltsverzeichnis:Table of Contents: 1.INTRODUCTION4 1.1Overview4 1.2Definition of the new Basel Capital Accord4 1.3Targets5 1.4Structure5 2.BASICS6 2.1Small and mid-sized Enterprises (SMEs)6 2.1.1Definition of SMEs6 2.1.2EconomicSituation andImportance ofSMEs7 2.2Rating7 2.2.1Credit ratings7 2.2.2External ratings by rating agencies8 2.2.3Bank-internal ratings9 2.2.4Function of credit ratings10 2.2.5Rating procedure and structure12 2.2.6Rating as an opportunity to prepare for Basel II16 3.BASEL II - THE NEW BASELCAPITAL ACCORD18 3.1The Basel Committee of Banking Supervision18 3.2The way from Basel I to Basel II18 3.3Overview of the new Capital Approach19 3.3.1The first Pillar: Minimum Capital Requirements19 3.3.1.1In context of granting credits to small and mid-sized companies23 3.3.1.2Possibilities of asset securitisation26 3.3.2The second Pillar: Supervisory Review Process27 3.3.3The third Pillar: Market Discipline27 4.THE CONSEQUENCES OF BASEL'S RESOLUTIONS29 4.1Current financial requirements of the small to medium-sized business sector29 4.2Internal vs. external rating of SMEs31 4.3Actual preparation status of SMEs35 4.4Rating under aspects of Investor Relations42 4.5Alternative financing possibilities for SMEs44 4.5.1Effects on banks45 4.5.2Effects on interest rates for SMEs46 4.6Possibilities for SMEs to prepare for Basel II48 4.6.1Implementation of a value-based management50 5.CONCLUSION55 6.APPENDIX57 6.1Index of Abbreviations57 6.2Index of Literature58

International Convergence of Capital Measurement and Capital Standards

Author :
Publisher : Lulu.com
ISBN 13 : 9291316695
Total Pages : 294 pages
Book Rating : 4.2/5 (913 download)

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Book Synopsis International Convergence of Capital Measurement and Capital Standards by :

Download or read book International Convergence of Capital Measurement and Capital Standards written by and published by Lulu.com. This book was released on 2004 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Basel III and SME Bank Finance in Germany

Author : Philipp Marek
Publisher :
ISBN 13 : 9783957299147
Total Pages : 0 pages
Book Rating : 4.2/5 (991 download)

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Book Synopsis Basel III and SME Bank Finance in Germany by : Philipp Marek

Download or read book Basel III and SME Bank Finance in Germany written by Philipp Marek and published by . This book was released on 2022 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines how Basel III capital reforms affected bank lending in Ger- many. We focus on the increase of minimum risk-based capital requirements and the introduction of the leverage ratio. The announcement of stricter risk-based capital regulation significantly affected low capitalized banks. The impact depends on a bank's credit risk model, i.e. whether a bank applies the standardized approach (SA) or an internal ratings-based approach (IRBA) to determine risk weights. Low capitalized SA banks significantly cut lending whereas IRBA banks did not ad- just lending volumes. By contrast, low capitalized IRBA banks significantly in- creased collateralization while low capitalized SA banks adjusted collateralization only marginally. Moreover, the impact on SMEs and large companies also differs. In terms of lending, SMEs were affected more strongly, whilst in terms of collateralization the impact on large companies was bigger. The announcement of the leverage ratio had, however, a rather limited impact. We find some evidence that low capitalized banks reduced lending. Furthermore, low capitalized banks somewhat tightened collateral requirements, especially for large companies.

Access to Bank Credit and SME Financing

Author : Stefania Rossi
Publisher : Springer
ISBN 13 : 3319413635
Total Pages : 352 pages
Book Rating : 4.3/5 (194 download)

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Book Synopsis Access to Bank Credit and SME Financing by : Stefania Rossi

Download or read book Access to Bank Credit and SME Financing written by Stefania Rossi and published by Springer. This book was released on 2016-12-02 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how the global financial and European sovereign debt crises have forced small-and-medium-sized businesses (SMEs) to reassess and adapt their funding strategies. At the heart of the matter is the worsening access to bank credit for such enterprises. Through this discussion we learn how crucial an understanding of SME-financing is to policy makers, in light of the fact that SMEs dominate the business landscape in Europe and are the main drivers of employment, growth and innovation in the European economy. Contributing chapters present expert analysis and investigate many topics including the problems faced by SMEs in accessing bank credit and the cost of funding and its determinants. Particular attention is also given to how credit-constrained enterprises may reformulate their funding strategies by employing alternative, non-bank, financial resources, and how regulators could support SMEs in broadening and improving their funding opportunities.

Basel III and corporate financing. Impact of the newest Basel III banking regulation accords on corporate capital-raising strategies.

Download Basel III and corporate financing. Impact of the newest Basel III banking regulation accords on corporate capital-raising strategies. PDF Online Free

Author : Miryusup Abdullaev
Publisher : GRIN Verlag
ISBN 13 : 3656590613
Total Pages : 107 pages
Book Rating : 4.6/5 (565 download)

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Book Synopsis Basel III and corporate financing. Impact of the newest Basel III banking regulation accords on corporate capital-raising strategies. by : Miryusup Abdullaev

Download or read book Basel III and corporate financing. Impact of the newest Basel III banking regulation accords on corporate capital-raising strategies. written by Miryusup Abdullaev and published by GRIN Verlag. This book was released on 2014-02-10 with total page 107 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2013 in the subject Economics - Finance, grade: 1, University of Applied Sciences Coburg, language: English, abstract: Management Summary In response to the recent financial and ensuing economic crisis of 2007-2008, the Basel Committee on Banking Supervision announced a new set of measures – Basel III, which ought to create a more resilient banking system. It also intends to help contain adverse effects of financial system from spilling over to real economy. This, in turn, will allow real sector of economy avoid potential credit disruptions in future. However, just as a coin has two different sides, Basel III might also have unintended adverse effects on real sector. Therefore, this research is addressed at analyzing possible effects of the new regulations on corporate financing. Through review of relevant literature, we have been able to identify the most significant researches in the area to date. On one hand, advocates of Basel III argue for a substantial net economic advantage of around 2.6 per cent of annual GDP increase as a result of implementation and imply that society will be better off as a result. On the other hand, there are a number of critics, who state that prescribed tighter and liquidity requirements will create a two-side pressure on RoE of banks, prompting these to allocate less capital to lending business – thus decreasing credit, available to real economy. As a result, after conducting two case-studies: one a bank and another on a non-financial corporate, it has been determined that, on one hand, larger banks, using market leadership position, relatively bigger size and also given efforts, directed at reduction of operational costs will be able to limit price increase of most of commercial banking products. On the other hand, it is defined that this is the right time for non-financial corporates for a wider direct financial market participation. In general, this paper extends support for the new banking regulations given a proper implementation. As a closing point, a recommendation on how to best perform this strategic shift from traditional banking products to financial market products was proposed. Keywords: Basel III, corporate finance, strategy tools

Basel 3 and its impact on liquidity measures

Author : Daniel Hosp
Publisher : GRIN Verlag
ISBN 13 : 3656325561
Total Pages : 57 pages
Book Rating : 4.6/5 (563 download)

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Book Synopsis Basel 3 and its impact on liquidity measures by : Daniel Hosp

Download or read book Basel 3 and its impact on liquidity measures written by Daniel Hosp and published by GRIN Verlag. This book was released on 2012-11-29 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2011 in the subject Business economics - Investment and Finance, grade: 1, University of Innsbruck (Banken und Finanzen), language: English, abstract: 1. Introduction On 6 September 2009 the Central Bank Governors and Heads of Supervision agreed on Basel III after the financial crisis proved that Basel II was not capable of preventing the global economy from such a crisis (BCBS, 2008). Basel III is the third version of the international regulatory framework for financial institutions published by the Basel Committee of Banking Supervision (BCBS) of the Bank for International Settlements (BIS) located in Basel, Switzerland (BIS, www.bis.org, 30.04.2011).... .... This bachelor thesis should provide some deeper information about the impacts of the new liquidity measures. The impact of the standards on economy, financial institutions and their business segments is presented, after a detailed explanation of them. Concluding a comprehensive evaluation of the new requirements is done. 2. Developments in Basel III 2.1. Increasing Capital Requirements 2.2. Liquidity Coverage Ratio 2.3. Net Stable Funding Ratio 2.4. Monitoring Tools and Application of Standards 3. Initial Situation of Banks Regarding Liquidity Requirements 3.1. Quantitative Impact Study of the BCBS 3.2. European Quantitative Impact Study of the CEBS 3.3. Comparison of Results 4. Economic Impacts of the New Liquidity Requirements 4.1. Benefits of the New Liquidity Requirements 4.2. Costs of the New Liquidity Requirements 4.3. Evaluation of the Results 5. Impact of the Liquidity Requirements on Banks and their Business Segments 5.1. Changed Market Conditions 5.2. Impact on the Profitability of Banks 5.3. Impact on Business Segments 5.4. Impact on Central Banks 5.5. Overall Impacts on Banks and Business Segments 6. Evaluating the Liquidity Rules of Basel III 6.1. Static Nature of the Liquidity Measures 6.2. Are Wrong Incentives the Actual Causer? 6.3. Introduction of Basel III in Various Countries 6.4. Additional Comments 7. Conclusion

Does Going Tough on Banks Make the Going Get Tough? Bank Liquidity Regulations, Capital Requirements, and Sectoral Activity

Author : Ms.Deniz O Igan
Publisher : International Monetary Fund
ISBN 13 : 1513548107
Total Pages : 64 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Does Going Tough on Banks Make the Going Get Tough? Bank Liquidity Regulations, Capital Requirements, and Sectoral Activity by : Ms.Deniz O Igan

Download or read book Does Going Tough on Banks Make the Going Get Tough? Bank Liquidity Regulations, Capital Requirements, and Sectoral Activity written by Ms.Deniz O Igan and published by International Monetary Fund. This book was released on 2020-06-19 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether and to what extent tougher bank regulation weighs on economic growth is an open empirical question. Using data from 28 manufacturing industries in 50 countries, we explore the extent to which cross-country differences in bank liquidity and capital levels were related to differences in sectoral activity around the period of the global financial crisis. We find that industries which are more dependent on external finance, in countries where banks had higher liquidity and capital ratios, performed relatively better during the crisis, with regard to investment rates and the creation of new enterprises. This relationship, however, exists only for bank-based systems and emerging market economies. In the pre-crisis period, we find only a marginal link to bank capital. These findings survive a battery of robustness checks and provide some solid support for the tighter prudential measures introduced under Basel III.

From Basel II to Basel III. Would Investment Banking be preferred under Basel II?

Author : Malte Vieth
Publisher : GRIN Verlag
ISBN 13 : 3656622779
Total Pages : 54 pages
Book Rating : 4.6/5 (566 download)

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Book Synopsis From Basel II to Basel III. Would Investment Banking be preferred under Basel II? by : Malte Vieth

Download or read book From Basel II to Basel III. Would Investment Banking be preferred under Basel II? written by Malte Vieth and published by GRIN Verlag. This book was released on 2014-03-25 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2013 in the subject Economics - Finance, grade: 1,7, Johannes Gutenberg University Mainz, language: English, abstract: In the year 2007 the first bad signs appeared which predicted that something is happening in global financial markets. An asset-bubble in the US housing market started to bust and that event had generated fatal consequences not only for the US, but also for the rest of the world. Several major peaks characterize the recent financial crisis, also named subprime crisis, such as the country default of Iceland (though subprime crisis was not the main cause) or the nationalization of the mortgage corporations Freddie Mac and Fannie Mae by the US government. Certainly, no one forgets the queues of people waiting outside the branches of the British bank Northern Rock to withdraw their savings from the bank as a result of rumors about liquidity problems of this institution. Some of the biggest Investment Banks in the world experienced serious difficulties with reference to their liquidity situation and were acquired by other banks. JPMorgan Chase bought the traditional US Investment Bank Bear Stearns and Bank of America merged with the US Investment Bank Merrill Lynch. Clearly, one of the most important events in the course of the subprime crisis was the collapse of the US Investment Bank Lehman Brothers which happened on 15th September 2008. Especially Investment Banks were hit hard by the subprime crisis and also the Investment Banking divisions of universal banks caused many issues for the whole institution. One of the main causes of the subprime crisis was identified: the Investment Banking business. The regulatory framework with reference to the banking supervisory failed in times of financial turmoil and needed to be reformed. In particular, the capital situation and liquidity profile of many banks were not adequate compared to the risks these banks were exposed to. Risks resulting from positions in the trading book (market-to-market) and risks resulting from offbalance sheet items which were not monitored by supervisory authorities needed to be emphasized. When the crisis hit, the capital requirements on the banking book were sufficiently deep to safeguard banks. The capital requirements on the trading book, however, were nowhere strong enough to absorb the losses (Dayal, 2011, p. 17). The new regulatory framework, namely Basel III, developed by the Basel Committee on Banking Supervisions which was finalized in 2011 focused on these risks.

The New Basel Capital Accord

Author : Benton E. Gup
Publisher : Cengage Learning
ISBN 13 :
Total Pages : 484 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis The New Basel Capital Accord by : Benton E. Gup

Download or read book The New Basel Capital Accord written by Benton E. Gup and published by Cengage Learning. This book was released on 2004 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: Jonathan Edwards was a preacher, pastor, revivalist, and theologian. This volume unpacks his magnificent theological vision, which starts with God’s glory and ends with all creation returning to that glory. Sean Michael Lucas has converted his years of teaching on Edwards into this valuable work, which places Edwards’s vision in an accessible, two-part framework. Part one focuses on Edwards’s understanding of redemption history-God’s cosmic, grand work from eternity past to eternity future, where all things are united in Christ. Part two examines Edwards’s perspective on “redemption applied”-how that gracious, divine work unfolds in space and time to personally transform individuals, stirring their affections, illuminating their minds, and moving their wills to form new habits and practices. This overview of Edwards’s theology will prove to be a thought-provoking, encouraging guide to contemporary believers at every stage of their spiritual journey.

New Perspectives on the Bank-Firm Relationship

Author : Paola Ferretti
Publisher : Springer
ISBN 13 : 3319403311
Total Pages : 189 pages
Book Rating : 4.3/5 (194 download)

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Book Synopsis New Perspectives on the Bank-Firm Relationship by : Paola Ferretti

Download or read book New Perspectives on the Bank-Firm Relationship written by Paola Ferretti and published by Springer. This book was released on 2016-11-14 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyses the connections between the banking industry in Europe and the companies it finances. Ferretti specifically studies how these bonds have evolved over time and questions whether now is the time for a change in the relationship’s dynamics. Chapters discuss the role of bank lending in firms’ financing during the recent financial crisis, as well as issues in credit risk management. The discussion also examines regulatory requirements impacting banks and firms (Basel III) and how they intersect with banks’ internal purposes. Moreover, the book explores how the financial crisis has impacted the relationship between banks and businesses, and seeks to identify the strengths and weaknesses inherent to it. Through this timely discussion, Ferretti looks to the future of the relationship between banks and non-financial organizations to see how they can be revitalised, adapted and reimagined in a post-crisis economy.