Gulf News These are not normal times for the banking industry. This is an extraordinary time in which we find ourselves, a time in which there is a crisis of confidence in the financial services industry. A great deal about the situation in which we find ourselves today can be explained by the events, not of the past few weeks or months, but of at least the past several decades. Over the course of that time, there has been a sea-change in the world of lending, a change that has helped create the sorts of risk we face today. To start to understand this change, it's worth recalling how things used to be....
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