RISK MANAGEMENT INSIGHTS
Better risk management for competitive advantage
Recent risk management articles
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IFRS 17: Waiting is not an optionIFRS 17 is a principles-based accounting standard for the future-oriented valuation of insurance contracts. Designed to increase financial transparency, IFRS 17 requires insurers to report in more detail on how insurance and reinsurance contracts affect their finances and risk.
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Scenario stress testing: Beyond regulatory complianceScenario stress testing offers banks a way to simulate responses to a financial crisis using a wide range of conditions and levels of severity.
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The analytical CRO and the risk aware CFOTo create a more risk-aware organization, the most important collaborative relationship for the CRO is with the CFO and the finance team. The CFO and CRO – as the executives responsible for budgeting and supervision – tend to get caught in the middle of competing objectives.
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General Data Protection Regulation: From burden to opportunityThe General Data Protection Regulation stirs up mixed emotions, but Kalliopi Spyridaki shows how to use the new legislation for business advantage.
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frtb: a wait and see strategy could be riskyFRTB, fundamental review of the trading book, is a regulation that changes how banks analyze market risk in the trading book to address systemic challenges.
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CECL: Are US banks ready?CECL, current expected credit loss, is an accounting standard that requires US banking institutions to estimate life-of-loan losses at origination or purchase.
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IFRS 17 and Solvency II: Insurance regulation meets insurance accounting standardsIFRS and Solvency II encourage comparability and transparency from a regulatory and accounting perspective for insurers, but there are important differences.
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Credit risk management is the answerLending and loan volume is back up to pre-crisis levels. But banks are facing higher delinquencies as well. That's why improving credit risk management is crucial.
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IFRS 9 and CECL: The challenges of new financial standardsIFRS 9 and CECL will require banks to more accurately
predict expected credit losses (ECLs). This will require new credit loss models based on analytics.
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Supercharging governance, risk and compliance with data visualizationRegulatory challenges are accelerating much-needed improvements in firms’ information management practices. Technologies implemented for governance, risk and compliance have the added advantage of driving business improvements.
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Attitudes toward liquidity risk have changedTo effectively manage their liquidity risk, banks will need the right strategy, solutions architecture and IT systems, and governance in place to manage the process and realize business benefits.
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Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
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Should banks adopt regulations as best practices?The regulatory tsunami isn't letting up, but is there value to be gained in adopting, for instance, BCBS 239 principles?
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Retail cyber risk toleranceManage your data assets just as you would any of your physical assets by putting security plans in place for any and all contingencies.
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Prepare for IFRS 9 convergence with better IT and data practicesAs banks prep for IFRS 9 convergence, it will put added stress on IT systems. Learn how to build an IT framework that meets regulatory challenges.
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The current state of stress testingMany banks struggle to keep pace with the demands of Dodd-Frank Act stress testing. Find out what risk professionals cite as the most pressing challenges.
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Risk data aggregation: Transparency, controls and governance are needed for data quality and reportingFinancial institutions’ data aggregation and reporting techniques and systems are receiving increased attention both internally and externally. Find out how to take a comprehensive approach to BCBS principles and risk data aggregation and management.
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Risk data infrastructure: Staying afloat on the regulatory floodWhat are the challenges of a risk data infrastructure and how can they be addressed? Here's what you need to know to build an effective enterprise risk and finance reporting warehouse.
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Can you run the bank AND change the bank together?How to fulfill short-term compliance requirements and still meet longer-term business goals.
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An executive perspective on risk and fraudHSBC's global risk COO on how the world’s second-largest bank uses data management, analytics and industry expertise to tackle financial crime and more.
Risk Management: The Basics
Risk Management
No matter how your organization prioritizes risk, you need proven methodologies and best practices to help you establish a risk-aware culture, optimize capital and liquidity, and meet regulatory demands. High-performance risk analytics can ensure greater efficiency and transparency, and strike the right balance between short- and long-term strategies, so that you can confidently address changing regulatory requirements.
Credit Risk Management
The credit crunch that followed the global financial crisis put credit risk management practices in the spotlight. And they are about to take on an even more prominent role as banks brace for the impact of the new Basel III regulations, which will impose higher capital costs for credit risk.
Even though credit risk management has always been an essential bank function, better credit risk management is essential – and not just for compliance purposes. Learn more about how managing credit risk presents a huge opportunity for improving a bank’s overall performance.
Liquidity Risk
Once upon a time, liquidity risk management got little more than lip service from banks. But the global financial crisis changed all that by exposing liquidity risk as the industry’s Achilles’ heel. Today, liquidity risk has become a daily part of the banking lexicon, as banks brace for sweeping regulatory changes surrounding liquidity. But is liquidity risk management something to be embraced or feared? Find out what the experts are saying about liquidity risk and the high-performance solutions that can help you manage it.
Learn more about liquidity risk
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