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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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12: Implications for Bank Regulation

The point about the seven deadly sins of imprudent banking is that there is no single cause behind the cataclysmic institutional failures in the credit crunch. Investment banks, commercial banks, insurance companies and building societies all incurred large losses, for different reasons. But they all suffered from imprudent banking of one sort or another. Some benefited from the maturity mismatches of their balance sheet, others from high-yielding non-core assets or from dealing with the shadow banking system in the form of SIVs and conduits. Imprudent profits for another group of institutions came from emerging markets, real estate banking, or from lending to financially overstretched individuals and companies. ...

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