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- IBM's Banking Data Warehouse and Basel II
- Financial institutions are facing a series of related risk and compliance challenges. These include Basel II and IFRS/IAS. The pace of change driven by the compliance challenges will be different across financial institutions. However, there is now a general recognition that the long term direction of aligning economic and...
- White papers 2005-12-01
- A New Look at Operational Risk
- While the U.S. Department of Homeland Security is actively investigating terrorist communications and activity to prevent possible attacks, insurers are beginning to understand the necessity of taking a new, more proactive approach to assessing their own risks of loss related to people, processes, technologies or external events. These "Operational risks,"...
- White papers 2004-03-01
- Applying Robust Methods to Operational Risk Modeling
- In 2001, the Basel Committee of the Bank of International Settlements BIS released new regulatory guidelines on operational risk that have been finalized in 2004, BIS (2004). Since then, the financial industry has been directing substantial effort into developing qualitative and quantitative framework for the operational risk management. Several books...
- White papers 2005-12-31
- Controlling the Cost of Change
- It is no exaggeration to say that many organisations today find themselves in a quasi-permanent state of upheaval, whether as a result of Business Process Outsourcing BPO, changing customer preferences, mergers or acquisitions, or the increasing burden of regulation and compliance, as evinced by the approval of the Basel II...
- White papers 2003-12-01
- The Potential Impact of Explicit Basel II Operational Risk Capital Charges on the Competitive Environment of Processing Banks in the United States
- Basel II replaces Basel I's implicit capital charge on operational risk with an explicit charge. Certain U.S. banks concentrated in processing-related business lines - which have significant operational risk - could thus face an increase in overall minimum regulatory capital requirements. Some have argued that, as a result, these so-called...
- White papers 2005-01-12
- Whose Capital Is It Anyway?
- Regulators are worried about capital to cover unexpected losses, investors are worried about expected returns on their capital: both are demanding greater disclosure from the banks. Basel II intends to use the investors' perspective and market discipline to enforce better capital management. The challenge for the banks is to turn...
- White papers 2002-06-01
- The HP Enterprise Risk Management Solution
- This paper explains HP Enterprise Risk Management Solution, a pre-integrated, prepackaged solution including a comprehensive physical data model, a high-performance database server, and consulting and implementation services. This turnkey solution enables ready access to the often disparate, enterprise-wide information that financial institutions need in order to meet Basel II requirements....
- White papers 2006-11-01
- Enterprise Risk Management And Improved Shareholder Value
- The intent of this paper is to raise awareness of enterprise risk management as a strategy for complying with Sarbanes-Oxley requirements and also for improving shareholder value based on improved performance. These two objectives have converged with previously unconnected initiatives driven by Sarbanes-Oxley Act SOA, Committee Of Sponsoring Organizations of...
- White papers 2006-09-05
- Responding To The Demand For High-Quality Data In Financial Services
- Tightening regulatory environments in recent years - including strict policies found in the Basel II Accord, MiFID, Anti-Money Laundering, Sarbanes-Oxley and local legislation - have given financial institutions significant incentive to invest in largescale data integration programs as part of their risk management strategies. This increasing array of rules and...
- White papers 2008-07-04
- Credit Suisse Group Q3 2007 Earnings Call Transcript
- Question-and-Answer SessionOperator We will now begin the question-and-answer session. Operator Instructions. The first question is from Mr. Jon Peace, Lehman Brothers. Please go ahead, sir. Jon Peace - Lehman Brothers Yes, morning. I had two questions, please. The first one is just on your balance sheet exposures and your...
- Earnings calls 2007-11-01
- The Goldman Sachs Group, Inc. Q2 2009 (Qtr End 06/26/09) Earnings Call Transcript
- Question-and-Answer Session Operator Operator Instructions Your first question comes from the line of Guy Moszkowski - BAS-ML Guy Moszkowski - BAS-ML First one very factual question, what was your risk weighted assets at the end of the quarter. David Viniar Our risk weighted assets...
- Earnings calls 2009-07-14
- Loss Characteristics of Commercial Real Estate Loan Portfolios
- The Internal Ratings-Based IRB treatment of commercial real estate CRE lending is an area in which constructive public feedback is critical. This white paper presents the data and analysis reviewed by the staff of the Board of Governors to develop the proposals for applying capital requirements to commercial real estate...
- White papers 2003-06-01
- Basel II: The Challenge of the Decade
- Compliance with Basel II poses great challenges for banks and financial institutions, which have hitherto been in the comfort zone of regulatory capital requirement. However, Basel II paves the way for financial institutions to proactively control risk in their own interest and keep capital requirement low. Increasingly, banks and securities...
- White papers 2003-09-16
- A Business Guidance Document
- Effective implementation of the Basel II Accord has clear benefits for the financial services sector, including capital requirements, improved risk management, more efficient operations and higher revenues. This document has been produced to help financial service institutions and their IT providers successfully comply with, and benefit from, the requirements. For...
- White papers 2002-01-01
- Potential Competitive Effects of Basel II on Banks in SME Credit Markets in the United States
- The paper examines the likely competitive effects of the proposed implementation of the Basel II capital requirements on banks in the market for credit to SMEs in the U.S. Specifically, it address whether reduced risk weights for SME credits extended by large banking organizations that adopt the Advanced Internal Ratings-Based...
- White papers 2004-02-01
- Loan Pricing Under Basel Capital Requirements
- This paper analyzes the loan pricing implications of the reform of bank capital regulation known as Basel II. It considers a perfectly competitive market for business loans where, as in the model underlying the internal ratings based IRB approach of Basel II; a single risk factor explains the correlation in...
- White papers 2004-07-01
- Did the Basel Accord Cause a Credit Slowdown in Latin America?
- Drawing from a unique data set comprising 2,893 banks and 152 countries over the period 1987 to 2000, this report tests whether the adoption of the Basel Accord by Latin American and Caribbean countries was responsible for the serious slowdowns in credit growth experienced by these countries. It finds that,...
- White papers 2005-02-01
- The Potential Effect of the New Basel Operational Risk Capital Requirements
- The three pillars of Basel II introduce new capital ratios, new supervisory procedures, and demand better disclosure to ensure effective market discipline in both the equity and debt markets. Included in these requirements, for the first time, is the necessity for financial institutions to provide for operational risk, as distinct...
- White papers 2005-03-24
- Creating a Dynamic Foundation for Basel II Compliance
- The client is a Midwestern U.S. commercial banking subsidiary with $30 billion in assets, which faced a number of obstacles in gathering and organizing the information needed to meet the requirements of more granular and objective data for determining the capital required to meet credit and operational risks. Basel II...
- Case studies
- Maximizing the Value of Your Basel II Initiatives
- The reform recommendations of the Basel Committee have far-reaching consequences for banks' minimum capital, risk management and disclosure requirements. Although the recommendations do not take effect until the end of 2006, there is considerable need for action if companies want to take quick advantage of capital optimization opportunities. With the...
- White papers 2003-09-02
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