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980 Results from /wholesale

Breana Patel

Breana Patel CEO | Thought leader in Bank Risk & Regulations at Bonova Advisory | Risk &Regulatory Advisory

Challenges in Building Effective Risk Appetite

A Difficult Task, But a Necessary One The Challenges of Gauging Effective Risk Appetite Managing a bank’s risk appetite strategy is unique to each organization. Unlike some areas that are more clearly regulated — for example, FDIC-insured deposit accounts — the level of risk an institution is willing to incorporate into its overall management port...

/regulation /wholesale Financial Services Regulation

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Cyprus' banks reduce their Non-Performing Loans. See how it is done, and weep.

There was an lol for me today, thanks to an article in the Cyprus Business Mail announcing that Non-performing loans (“NPLs”) in the Cypriot banking system had fallen in March 2018 by almost €2.1bn to €19.9bn compared to February’s figure, and that this was the lowest figure for NPLs since December 2014, according to figures issued by the Central ...

/wholesale SEPA and European Payments

Breana Patel

Breana Patel CEO | Thought leader in Bank Risk & Regulations at Bonova Advisory | Risk &Regulatory Advisory

The many benefits of Agile PMO

The task of integrating a Project Management Office (PMO) in an agile environment could prove difficult, but if done with thorough research and implementation, it can substantially improve efficiency in project execution and production, lowering costs and reducing risks for the organization. Getting Buy-In In order to do this, there first has to b...

/wholesale Transaction Banking

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Euro Sovereign Bond-Backed Securities, an anagram for colossal stuffee

The EU has unveiled the awaited plan to create Sovereign Bond-Backed Securities or SBBS in Euro, supposedly “to encourage banks and investors to diversify their holdings of euro zone bonds”. The plan is “meant to address a weakness in the currency bloc that came to light in the 2010-2012 euro zone debt crisis, when banks’ high exposure to their sov...

/wholesale SEPA and European Payments

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

The Euro's battle for survival - entering the Red Zone

We have been analysing, for the thinktank the Bruges Group, the extreme difficulties in which the Eurozone finds itself, after years of economic stimulus totalling over 3% of GDP per annum and the build-up of both the ECB's Asset Purchase Programmes and the loans within the TARGET2 system. These imbalances are insoluble, and there is a big bullet ...

/wholesale SEPA and European Payments

Antonio Ferre

Antonio Ferre IT Manager at Plastic Forte

IT Metrics excellence: avoiding the world turning upside-down

Regardless of how a software development project was contracted (fixed price, time and materials, etc.) or how it was managed from a methodology point of view (Agile, Waterfall, Prince2, …), by the end, a software product will be created. This product, irrespective of contract or methods, will have a specific cost, a size, different quality indic

/wholesale Standards Forum

Paul Grimbers

Paul Grimbers COO at The Glue

Keep doing something the same way, don’t expect a different outcome

The financial services arena is fraught with challenges... Ongoing regulation, increasing competition, an unstoppable demand for digital services, whilst all the time internal demands to drive down operating costs – and this is just a high level summary! Whilst everyone is aware that culture is very important, the fundamental ingredient to overcomi...

/wholesale Fintech

Breana Patel

Breana Patel CEO | Thought leader in Bank Risk & Regulations at Bonova Advisory | Risk &Regulatory Advisory

Best Practices in Internal Capital Adequacy Planning

Best Practices in Managing Internal Capital AdequacyGuaranteeing a Solid Base of Capitalization Cooked down to its essence, the convulsion that overtook the international banking system in 2008 came down to institutions lacking adequate capitalization. The failure of Lehman Brothers — due to its holdings in the subprime market not being sufficientl...

/regulation /wholesale Banking Regulations

Retired Member

Retired Member 

13 Points of Clarification for FinCEN Final Rule CDD

1. Beneficial Ownership Threshold FinCEN has reiterated that the specified threshold (25%) is a floor, not a ceiling. It has left to the discretion of covered financial institutions (FIs) to implement stricter thresholds if they so choose. In addressing a requirement to impose stricter thresholds for certain customers, FinCEN directs that any incr...

/regulation /wholesale Financial Services Regulation

Enrico Camerinelli

Enrico Camerinelli Supply Chain Blockchain Personal Coach at Aite Group

Banks, supply chains, and blockchain

The speed at which blockchain-based applications are evolving beyond pure financial transactions must not induce banks to mistakenly think that the business is running out of their hands. On the contrary, the relationships and trust that financial institutions have built with their corporate clients are the foundation of a healthy and productive en...

/wholesale Futuristic Banking

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