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Banking Regulations

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New regulations -like Basel II Compliance- are driving financial institutions to take a more comprehensive approach to risk management. Business & Decision has successfully completed projects at more than 30 reference customers in Europe and beyond.

Proposition

Basel II, IFRS and MiFID set higher levels of transparency in risk (segmented by type of risk: credit, market, operational and liquidity) and performance. This will imply for many financial organisms substantial enhancement of the existing systems and processes to meet these new requirements.

Disregarding the level of sophistication of the bank (choosing to comply with the basic, standard or advanced methods), there is an increasing demand that regulatory reporting and internal risk management processes are aligned. This pushes towards a global and integrated framework combining the Business and IT worlds.

Why B&D?

The Business & Decision Risk Management team has worked extensively on Capital Assessment projects, especially on the Basel II Pillar 1. We have successfully completed projects at more than 30 reference customers in Europe and beyond.

Our interventions cover all aspects of the capital assessment: 

  • Data management, thanks to our broad Business Intelligence expertise, namely ETL and Data-Warehousing techniques
  • Development and integration of models (PD, LGD, EAD). Detailed in the Credit Risk modeling section
  • Capital calculation according to the Basel 2 and CRD reference documents, adapted to different national jurisdictions
  • Reporting, both external (COREP) and internal

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