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Model risk for non-maturing products

Most banks have significant amounts of non-maturing products on their balance sheets, such as current accounts and savings deposits. The contractual maturity is very small, so that the client could withdraw his or her money at short notice and banks can adjust interest rates at any time.

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Health service in flux

Developments Healtcare institutions

The Dutch healthcare sector is in flux. The newspapers report on new developments almost on a daily basis.

In the previous issue of Zanders Magazine we argued that the credit crisis came at the wrong time for this sector: precisely at the moment when the risks are increasing, the banks reduce their lending.

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