In this episode of Deciphered, Adam Davis, Associate Partner at Bain & Company, is joined by an all-Bain line up; Partners Joe Fielding, Maria Teresa Tejada and Guilio Naso to discuss whether or not there is a current crisis when it comes to banking liquidity.  

The unfolding liquidity issue across banking has been benchmarked in some quarters against the great financial crisis of 2008…the question we want to answer is - is this fair?

Timestamps: 

(04:34) Banking liquidity: Is the talk of a crisis fair?
(06:27)Will this period in banking be as challenging as other periods with dramatic upwards rate cycles?
(08:01) Catalysts that have contributed to dramatic upwards rate cycles
(10:44) Which banks are in trouble?
(13:37) How much has deregulation led to this?
(16:43) How would we fix this problem?
(20:04) Representations of demand & characteristics of banks/financial institutions that are offering solutions
(23:18) The bigger, the better?
(24:26) Trust within neobanks/new digital players
(25:35) Where does this lead? And will the changes be permanent?
(29:33) Credit and credit provisioning
(31:08) Will there be any differences in how The Fed supervises banks because of this?
(33:58) How will innovation be impacted by this in the short–medium term?

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• You can find Adam Davis here
• You can find Joe Fielding here
• You can find Maria Teresa Tejada here
• You can find Giulio Naso here

For more insights from Bain & Company on the current disequilibrium we’re seeing across the banking sector currently, check out the content below:

• Disequilibrium in Banking: Five Actions to Restore Balance
• In a Time of Disequilibrium, Banks Face New Liquidity Challenges
• Not a Banking Crisis, But a Battle for Street Cred

For more insights from Deciphered: The Fintech Podcast, visit the page on Bain’s website.