Islands Kaupthing Bank in der Finanzkrise Buchkatalog

Studienarbeit aus dem Jahr 2011 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1, 0, Europa-Universität Viadrina Frankfurt (Oder), Veranstaltung: Privatisierung, Insolvenz und Restrukturierung in Transformationsstaaten / Teil II - Makroökonomische und juristische Perspektiven von Systemtransformation in MOE und Finanzkrise, Sprache: Deutsch, Abstract: In the year 2007 the financial crisis began due to high-flying banks attempting to gain more and more profit. In the course of that several banks went bankrupt, because the system broke down partly and was only able to survive with the help of governments' interventions. There are many articles available about this topic all over the world. This paper takes another point of view on that situation and focuses on the Icelandic banking sector and especially on the Kaupthing Bank. The situation is reviewed out of a German depositor's point of view due to the - only short - discussion in German media and the possible big losses of them. Emphasis is placed on the deposit protection and liquidity management in banks, which should be strengthened through the development of the new Basel-III-scheme. While considering depositor's protection and therefore bank's liquidity management, the new Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR) are discussed in detail. The new developed management ratios will be implemented and analyzed hypothetically. An answer should be found to the question, whether Basel-III would have been able to improve the situation concerning liquidity management. The second question asked is, whether there are possible improvements concerning deposit protection in foreign bank branches in Germany. In the end the paper tries to find a way of designing the deposit protection system more transparent and therefore more reliable for German households.