RISK MANAGEMENT INSIGHTS
Better risk management for competitive advantage
Recent risk management articles
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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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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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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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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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Even as stress testing matures, gaps in technology and coordination remainEven with significant investments in people and process improvements, a survey conducted by SAS and GARP finds that banks are not as robust and mature as they need to be in terms of their technology.
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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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How to lead the digital transformationWith the future of the bank at stake, CEOs must embrace big data and come out in front of the wave of regulatory-driven compliance.
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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.
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Riding the avalanche of regulationA well-planned, integrated data strategy can improve banks’ ability to generate revenue, manage risk and gain a competitive advantage.
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Take the stress out of stress testingWhy the main components of stress testing
must be jointly developed and applied by risk and finance teams for greater efficiency and better decision-making.
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IFRS 9 impairment regulation: How to prepare for the data tsunamiBanks will have to update ECL amounts at each reporting date for credit risk changes, significantly increasing impairment calculations and data collection.
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How to help ‘stressed out’ banksBanks can generate long-term value from a clear understanding of risk exposure, but for now they need to re-engineer and upgrade their stress testing processes to meet regulatory demands. It's possible to reduce the manual effort to inventory, manage, document, communicate, monitor and audit all of your bank’s models and share information for effective top-down model risk reporting.
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RegCap vs. E-Cap: Getting It rightStress tests don’t produce a fourth type of capital - it is regulatory capital. And it gives regulators a view into capital planning where they had none before.
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Basel III doesn’t have to be a big pain for community banksBasel III isn’t going away. An investment now, rather than later, in a tool that gives you repeatable processes – and updates automatically when the rules change – will be well worth the time and effort.
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Five myths and misconceptions community banks have about Basel IIIMyth No. 1: Basel II didn't pertain to us, so Basel III won't either. Wrong. The US Basel III Final Rule provides capital frameworks commensurate with bank size, so the rules apply to nearly all banks in the US. Myths 2-5...
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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