Banking and Finance

Banking Regulation in India – In The Midst of A Paradigm Shift or Regulator Interrupted?

Since 2014, India has seen a spate of changes centred on improving the banking regulatory environment in India and trimming the proverbial “fat” in the system. To its credit, the Reserve Bank of India (RBI) identified the upcoming crisis on non-performing assets (NPAs) in the banking system, and compelled Indian banks to recognise and to… Read More

Leaving the EU – what this means for you and your business

Now that the dust is settling on the UK’s decision to leave the EU, our clients are asking what this means for them.  We are the first member state ever to  leave the European Union and as such, the result has ignited much uncertainty and debate about what lies ahead. Change always brings opportunities, as… Read More

Forced Conversion of Consumer Loans in Croatia – Care About Consumers or Just a New Issue?

In expectation of parliament elections, Croatian financial market and its participants experienced a dynamic end of 2015 with the latest amendments to the Consumer Lending Act and the Credit Institutions Act. The amendments introduced a legal framework for forced conversion of loans denominated in CHF („CHF Loans“) and loans denominated in HRK and indexed to… Read More

Equity Driven Crowdfunding in Lebanon

Crowdfunding, an alternative means of financing for individual projects and companies, has become an increasingly popular concept in recent years. It emerged in response to the financial crisis of 2007–08, but didn’t officially appear in Lebanon until 2013 with the launching of Zoomaal and has grown throughout the surrounding region. Fundamentally, financing through crowdfunding relies… Read More

Project Finance: there’s no such thing as indisputable principles…

Project finance principles “The equity investment is ‘first in, last out’—that is, in principle any losses that the project suffers are borne first by the investors, and lenders begin to suffer only if the equity investment is lost“, Edward Farquharson, How to Engage with the Private Sector in Public-Private Partnerships in Emerging Markets, p. 53.… Read More

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