banking in the new eu member states
TRANSCRIPT
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BANKING IN THE NEW EU
MEMBER STATES
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INTRODUCTİON
•Developments in financial markets have shaped• the economic and policy
debate in recent years
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NEW EURO MEMBER STATES• the Czech Republic (CZ), Estonia (EE), Hungary• (HU), Latvia (LV), Lithuania (LT), Poland (PL),• and Slovakia (SK), which joined the EU on• 1 May 2004, and Romania (RO) and Bulgaria• (BG), which joined on 1 January 2007. Since• the bulk of the analysis covers the period from• 1996 until 2006, we also consider EU member• states, Slovenia (SI), which joined the euro area• on 1 January 2007, as well as Cyprus (CY) and• Malta (MT), which joined on 1 January 2008.
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TWO MAJOR CHALLENGES
• 1-manege the continued and probably rapid procces of further real economic convergence• 2-to achive the degree of nominal
convergence
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MAIN SUBJECTS
• the macroeconomic outlook• structural features of financial sectors in new
member states• the role of foreign banks• mergers and acquisition activities• the regulatory framework
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THE MACROECONOMIC OUTLOOK
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About table 1
• gdp increase• potential output increase• government consumption decrease• there is trade deficit because of import and
export • unemployment rate increase
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STRUCTURAL FEATURES OF FINANCIAL SECTORS IN NEW
MEMBER STATES
• the nım-8 transition countries are characterised by relatively low levels of their economies from centrally planned ones, with very low levels of intermadiation
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STOCK MERKETS IN NEW MEMBER STATES
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THE SUTRUCTURE OF NMSs’ BANKİNG SECTORS
• İn terms of stability efficiency of their banking sectors NMSs’ banks seem to be adequately capitalised and profitable
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ASSET QUALİTY
germany
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italy
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greece
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THE ROL OF FOREIGN BANKS
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Cross-border provision of financialservices in the euro area
assests liabilities
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BANK AUSTRİA AND ITS PERFORMANCE IN CENTRAL AND
EASTERN EUROPE
• CROSS-BORDER FİNANCİNG FOR EASTERN EUROPE
• ONE CREDİT AVAİLABLE FOR TEN COUNTRİES• COORDİNATED PROVİSİON OF CREDİTS İN A
FAST AND FLEXİBLE MANNER FOR COMPANİES
• SUPPORT CLİENTS WİTH OPTİMAL FİNANCİNG
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MERGER AND ACQUISITION ACTIVITIES
• Mergers = a company's own legal personality of the changing union of one another under a single management.
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Acquisition
• merger differently can financial consolidation through can survive in the purchase. Acquisition, simply a part of an organization or company in another part of the purchase of the assets directly caused by the change
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Reasons of the mergers
• expansion of regional and political area• • to protect their profit margins by increasing market share• • provide the technology needed• • expand marketing network• • to improve competitive power• • ensure that branch network•
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THE REGULATORY FRAMEWORK
• Laws and regulations that outline the legal requirements to be met. They may also be complemented by policies, standards, directives and guidelines
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International regulatory framework for banks (Basel III)
• "Basel III" is a comprehensive set of reform measures, developed by the Basel Committee on Banking Supervision, to strengthen the regulation, supervision and risk management of the banking sector
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Aligning Financial Supervisory Structures with Country Needs
• The financial sector industry has undergone major changes in recent years. Technological innovation, deregulation, and liberalization are changing the context in which financial supervisors operate
• This timely book also identifies the pros and cons of different financial supervisory models.
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CONCLUSİONS
• banks in new member states have benefited from a period of favourable macroeconomic conditions in the run up to eu accession
• for most NEMSs’will be the membership of the ERM ll with a view to joining the single currency and the implementation of the Lamfalussy procedure whic aims to reform a substantial part of the EU regulatory framework
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sources
• www.ecb.int• www.bis.org• Occasional paper series no:81 marc 2008
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PREPARED BY
• ALPARSLAN SARP• EMRE OFLAZ• DİLEK ALPAY• DİLAN ADAM• BUSE SOYTÜRK• BAŞAK KIZAL