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A Blueprint for Better Banking: Svenska Handelsbanken and a proven model for more stable and profitable banking by Niels Kroner

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11: Implications for Other Banks

Being a basic, simple “utility” bank can be remarkably difficult. A number of banks that could have laid claim to the title were badly bruised in the credit crunch. Unfortunately, being prudent in some areas but not all does not amount to much prudence overall. As banks are fragile creatures it takes just one of the seven deadly sins to backfire to bring the entire bank into difficulties. In addition, many of the elements in the Handelsbanken model are interconnected and would not work in isolation.

The description of Handelsbanken contains many elements that other banks might find useful to copy. But while the Handelsbanken is one proven model for prudent banking there might be others. Hence, we will now discuss ...

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