Gerard Tuinenburg, director systems, processes and transactional banking at Unilever treasury, explains how the company is improving its cash forecasting efficiency through enhanced use of treasury data.

Liquidnet’s network of asset managers might see big benefits from automating new issue data and workflows from TC Icap’s bank customers.

Executive chairman Ana Botín will be under pressure after adverse ruling in Madrid

It might have the wind in its sails, but the bank will need to be nimble and smart if it is to find success in its three principle aims.

Now back at single-A with both leading rating agencies, Deutsche hopes to win more business and improve margins as investors await their share of the returns.

Losing your chief executive in messy circumstances is never a good look, but Barclays does at least have momentum in its investment bank as it looks for a fresh start in 2022.

Beyond the headline-grabbing talks on buying Banca Monte dei Paschi, the new chief executive has radically reshaped the bank as he seeks to better harness its potential.

Greater regulatory clarity, and perhaps a sale of Bank of the West, leave the French bank with the happy dilemma of what to do with excess capital.

Ralph Hamers is quietly imposing his vision on UBS, axing senior titles to simplify the structure and eyeing a new US digital bank for affluent customers.

Credit Suisse’s hopes for 2021 were dashed by March, thanks to Greensill’s collapse and Archegos’s implosion. It really needs 2022 to go well.

StanChart had more to lose than most from the disruption of Covid – and more to gain as the markets where it operates recover.

Being France’s biggest retail bank might not sound as appealing as it once was. But Crédit Agricole’s management is focused on the growing number of additional products it is plugging into the network.

After years when the UK and the US banks were Santander’s problem children, those markets are now leading its recovery.

A year ago, Sber’s stellar profitability looked to be under threat. This year, it has defied the doubters and has just unveiled record net profit for the first nine months of the year.

Chief executive Andrea Orcel’s new plan for UniCredit has little of the asset-selling drama of his predecessor. Whether it works better than the old strategy may be longer in the telling.

At the end of each year, Euromoney takes a close look at the performance of 25 key institutions that we cover. Speaking to senior executives at these firms, we assess what went right and what didn’t, together with what might lie ahead. This year, we have also examined the views of those at the top on two important factors for 2022: their own and others’ asset quality, and the disruptive threat of China. Their observations are discussed in the two features below, followed by our reports for 2021 on the Euromoney 25.

Rising inflation expectations matter to the banking industry. Santander CEO José Antonio Álvarez explains, however, that negative real rates will probably persist for the next five or 10 years because of Covid.

A new index aggregates corporate profitability, asset values and debt service capacity, and shows worrying signs of stress even amid low default rates.

Turkey’s currency continues to flounder, with hardline president Erdoğan apparently determined to prove that the best way to curb inflation is to reduce – rather than increase – interest rates.

Emerging Europe has been slow to join the fight against climate change. Now the region’s biggest banking group is making its voice heard.

Chief executive of commercial banking Doug Petno says advanced payments technology rather than lending is the key to winning mid-market clients.

A second large AT1 deal this year shows increased investor confidence around the bank’s transformation, but timing the deal was tricky.

Alexander Wynaendts has worked in insurance for a quarter of a century, but is not a stranger to investment banking.

Perhaps it is not such a strange time to bet billions on Turkey’s economy.

Businesses in the UK struggling under Covid-related debts are sitting on assets worth £1 trillion.

Citi has announced a raft of EMEA region hires across Citi Global Wealth, launched in January. It’s a sign the new division is coming together.

Rabobank CEO Wiebe Draijer says that private finance must have a role in financing the transition to a more sustainable, equitable and healthy way of feeding the planet.

António Horta-Osório shifts more capital away from investment banking and into wealth management, while the executive team sells his risk management overhaul as a growth story.

Questions over chief executive’s personal judgement finally end his successful stewardship of the UK lender.

Policymakers in Moscow are finally promising to tackle climate change. Will the Russian private sector follow suit?