RISK MANAGEMENT INSIGHTS
Better risk management for competitive advantage
Recent risk management articles
- 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.
- Le Règlement général sur la protection des données : transformer la contrainte en opportunitéLe Règlement général sur la protection des données suscite des sentiments mitigés, mais Kalliopi Spyridaki explique comment en faire un avantage compétitif.
- IFRS 4 Phase II 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.
- Where to focus when lending is up (but so are delinquencies)Lending 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.
- 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.
- 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.
- 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.
- Can you run the bank AND change the bank together?How to fulfill short-term compliance requirements and still meet longer-term business goals.
- La vision d’un dirigeant sur les risques et la fraudeLe directeur international de la gestion des risques de HSBC explique comment la deuxième banque mondiale utilise la gestion des données, l'analyse et les connaissances sectorielles pour lutter contre les délits financiers et d'autres problèmes.
- Riding the avalanche of regulationA well-planned, integrated data strategy can improve banks’ ability to generate revenue, manage risk and gain a competitive advantage.
- 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.
- Banks need to pilot their way through the model mazeIn addition to the increased regulatory pressure, senior managers are now much more appreciative of the risk there is in the models used by their banks.
- 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.
- Model risk management keeps banks ahead of the regulatorsRecent regulations require executives to know more about how their organization manages risk. David Rogers from SAS explains how to get started by understanding the models that drive decisions.
- 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.
- 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.
- 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...
- Basel’s US history and what it means to community banksThe US Basel III Final Rule marks the first time that the US regulatory system is adjusted to the size of the bank. Tara Skinner talks through the history of Basel III and what institutions are impacted today.
- Three UK banks under pressure from stress testStress testing is not just a compliance box-ticking exercise, it is an essential tool for banks to use in developing their risk management strategy. Dale Stevens, Head of Risk at SAS UK and Ireland talks through some significant findings about how banks are using stress testing in their business and risk strategies.
- There's more to gain from regulations than just complianceThe things you are doing now to prepare for Solvency II implementation can benefit your business in many other ways. For instance, do you know which customers, regions or products are your most profitable? Do you know where you are leaking profits? Get the most from your compliance efforts.
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