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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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.
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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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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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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 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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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.
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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.
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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.
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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.
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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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Two biggest challenges banks face in regulatory complianceA recent Longitude Research survey of more than 100 senior banking officials across Europe and the US found that the majority of banks still don’t use stress testing outcomes to inform strategic decision making.
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Finding a balance that's good for businessSanjiv Talwar, Head of Risk Capital and Stress Testing at the Bank of Montreal, talks with Tom Kimner and the Argyle Journal about the difficulties banks face with meeting regulatory requirements. He also shares his philosophy for approaching those difficulties - build a growth strategy based on the lessons learned from the regulatory exercises.
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Are you good at scoring?Credit scoring is the foundation for evaluating clients who apply for a loan (or other types of exposure for the bank). It is not unusual for it to take up to 12 months to build and deploy a new credit scoring model. Reforming the process will help minimize losses, increase earnings and reduce operational risk.
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Risk capital and lessons from the TitanicEconomic capital is that something extra that senior management needs for staying financially afloat in tough economic times. Tara Skinner uses the tale of the Titantic to describe risk capital risk management best practices.
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People, process, culture – and technologyData governance requires measurement and constant improvements of data quality. That’s a mountain of a job without clearly defined roles and responsibilities. Peyman Mestchian, Managing Partner at Chartis Research, and Tom Kimner, Head of Americas Risk at SAS, talk about data governance and the need for specialized departments, technology and skills.
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What are banks top CCAR hurdles?With CCAR, regulators will hold bank holding companies to more stringent standards for capital planning and stress testing. We asked our banking customers what their biggest struggles are with compliance and how they are addressing them.
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Data quality: The Achilles' heel of risk managementGiven the tightly regulated environment banks face today, the importance of data quality cannot be overstated. Beyond the obvious benefits of staying one step ahead of regulatory mandates, having accurate, integrated and transparent data will drive confident, proactive decisions to support a solid risk management foundation.
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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