From Good to Bad Bankers

Aristóbulo de Juan has dedicated more than fifty years of his life to banking, thirteen of them as a senior executive in retail banking and some forty more as a front line supervisor and consultant dealing with bank reform and financial crises on four continents. After his time in the private sector, he spent nine years in the orbit of the Bank of Spain, initially as the CEO of Fondo de Garantía de Depósitos, the Spanish deposit guarantee scheme, and then as Director General of Supervision at the central bank itself. In these positions he played a key role in the treatment and resolution of the Spanish banking crisis of the 1980s and in the modernization of Spain’s supervisory mechanisms.  He then went on to spend three years as a Financial Advisor to the World Bank in Washington, where he dealt with financial reform and crisis management in emerging economies.  In 1989 he set up his own consultancy firm specializing in problem banks and bank supervision. Inaddition to his advisory work, he has spoken at conferences and seminars in countless different forums, including the University of Oxford, Harvard, Yale and the Wharton Business School, and at the Federal Reserve, the Bank of England, the Bank of Russia, the People’s Bank of China and the Reserve Bank of India.  He is a member of the Advisory Board of the Spanish financial daily Expansión, and he has written numerous articles on the financial crisis of 2007. He also co-authored a book on the subject with Francisco Uría and Íñigo de Barrón, which was published in 2003 under the title Anatomía de una crisis.