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      The Wide Angle: banks need to prepare more and worry less about a digital euro

      28/2/2024 Research EN

      The Wide Angle: banks need to prepare more and worry less about a digital euro

      The likely establishment of a digital euro (dEUR) has triggered some anxiety at European banks around the stability of their deposits, high implementation costs, and curtailment of innovation capacity and competitiveness.

      Webinar: Outlook for Italian banks. Another strong year ahead?

      27/2/2024 Research EN

      Webinar: Outlook for Italian banks. Another strong year ahead?

      Thursday, March 14th 2024 - 3:30 PM (CET)

      Italian bank quarterly: upbeat guidance to better earnings in 2024 should be treated with caution

      14/2/2024 Research EN

      Italian bank quarterly: upbeat guidance to better earnings in 2024 should be treated with caution

      Italian banks had a record year in 2023, thanks to high commercial spreads and low loan-loss provisions. Operating conditions look less favourable now, with rate cuts expected from the second half and default rates set to rise gradually.

      The Wide Angle – Artificial Intelligence: friend or foe for banks?

      7/2/2024 Research EN

      The Wide Angle – Artificial Intelligence: friend or foe for banks?

      AI can boost the competitiveness and effectiveness of banks that are technologically, organisationally, and culturally advanced in digitalising and dismantling burdensome legacy structures. But it can be a foe.

      European Bank Capital Quarterly: different Basel 3.1 timelines create challenges

      6/2/2024 Research EN

      European Bank Capital Quarterly: different Basel 3.1 timelines create challenges

      European banks face new capital requirements from a sound position. Higher rates have bolstered organic capital creation and transition periods are long. But different rules and timelines across jurisdictions will be challenging for international banks.

      Scope updates its Financial Institutions Rating Methodology following call for comments

      6/2/2024 Research EN

      Scope updates its Financial Institutions Rating Methodology following call for comments

      Scope Ratings has updated its Financial Institutions Rating Methodology following the call for comments period, which concluded on 21 January 2024.

      Webinar – European Bank Capital

      6/2/2024 Research EN

      Webinar – European Bank Capital

      Thursday, February 22nd 2024 - 3:30 PM (CET)

      Systemic risk remains high in European housing market

      23/1/2024 Research EN

      Systemic risk remains high in European housing market

      Housing affordability is stretched and systemic risk a concern. Policy measures to improve financial system resilience can help. Germany might introduce borrower-based measures but they will need to be carefully calibrated to avoid further curbing supply.

      Covered Bond Outlook: Back to a credit-driven buyer’s market

      22/1/2024 Research EN

      Covered Bond Outlook: Back to a credit-driven buyer’s market

      Active covered-bond supply so far this year is testament to a functioning market, but the end of ECB asset purchases has shown that the waters can become choppy: issuers and arrangers have to take care around timing and investor appetite.

      The Wide Angle – European bank financials reassuring but cyber, other non-financial risks rising

      19/1/2024 Research EN

      The Wide Angle – European bank financials reassuring but cyber, other non-financial risks rising

      Against a reassuring financial outlook for European banks, non-financial risks are growing. Banks need to remain sound because the ground under them feels shakier. The more innocent phase of globalisation of the last decades is under siege.