Living With Risk You Cannot Eliminate

Resilience, Fragility, and Financial Judgment https://youtu.be/nezsVeq0jlA?si=VRLz0h10KnX1qeM6 Why This Book Exists Modern finance is often presented as a system capable of managing, transferring, or reducing risk through better models, broader diversification,

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Incentives Under Uncertainty

Why Reasonable Decisions Produce Fragile Outcomes https://youtu.be/6LDcSR35WNU?si=bTtcwtIcheQGEkIU Why This Book Exists Financial systems are often evaluated in moral terms. Failures are attributed to greed, recklessness, or dishonesty, while stability is

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What Is a Financial Promise?

Truth, Belief, and the Limits of Commitment https://youtu.be/rib1rNtI6LI?si=QMcREIt22DOK3pTb Why This Book Exists Financial systems depend on promises that most people cannot fully verify. Deposits are assumed to remain accessible. Insurance

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Promises, Institutions, and Trust

Why Financial Systems Depend on Credible Commitments https://youtu.be/EkCQxKT8xqc?si=QtFdtQ2ECNK-puVl Why This Book Exists Modern financial systems depend on promises. Deposits are expected to remain accessible. Loans are expected to be repaid.

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Finance Over the Life Cycle

Decisions That Bind You Over Time https://youtu.be/o1ygWFEnzdY?si=Yh90G-AleQTlIdMo Why This Book Exists Financial decisions are rarely confined to the present. Education, debt, housing, savings, family formation, retirement, and insurance all involve

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Living With Risk You Cannot Eliminate

Incentives Under Uncertainty

What Is a Financial Promise?

Promises, Institutions, and Trust

Finance Over the Life Cycle

About Us

Bank & Finance provides solutions to finance ministries, central banks and development banks to design and implement strategies to achieve their missions. We provide advice based on best international practices, but we craft programs to the specific needs of the implementing countries.

Experts

Bank & Finance integrates experts with executive management experience working at finance ministries, central banks, financial regulators, private banks, and development banks from different countries. Advice is based on experience acquired through years working for and with these institutions, having implemented several programs around the world. 

We use our multidimensional experience to work closely with our clients to successfully serve their needs.

Areas of expertise to service

Finance Ministries

  • Tax and non-tax income generation
  • Public goods provision
  • Budgeting
  • Debt management
  • Asset and liability management
  • Federal and local government coordination
  • State and municipal fiscal policy design
  • Infrastructure rescue programs
  • Debt restructuring

Central Banks

  • Monetary policy design
  • Monetary policy implementation
  • Financial stability and regulation
  • Payments, infrastructure and financial markets
  • Open market operations
  • Reserve management
  • Digital currencies
  • Information technologies and security

Development Banks

  • Efficiency enhancement of existing development banks
  • Design and implementation of new development banks
  • State-level development banks
  • Infrastructure, firm and consumer credit
  • Savings services
  • Insurance services

Services

01

We develop customized solutions to our clients based on their specific needs.

02

Services for finance ministries include developing strategies to strengthen public finances by increasing revenue, optimizing expenditure, managing debt to reduce its cost and improve its profile, improving asset and liability management, improve federal and local governments’ coordination, the design and implementation of subnational fiscal policies, infrastructure rescue programs, and debt restructuring.

03

Services for central banks include the design and implementation of monetary policy for price stability and a correct functioning of the payments system, the design and implementation of financial regulation with a macroprudential focus, improving the functioning of payments and infrastructure of financial markets, efficiently conducting open market operations, managing reserves, designing and implementing digital currencies, and improving information technology and security.

04

Services for development banks include enhancing the efficiency of existing institutions, designing and implementing new development banks at the federal and local levels, develop financial services to support infrastructure, firm and consumer credit, and develop savings and insurance services.