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Risk Management is a significantly important function in banks in the context of major changes brought about by changing financial landscape characterized by increased competition, rapid use of innovative financial products, thinning of spreads, shareholder activism and stringent regulatory requirements aimed at ensuring financial stability.
While a few banks believe Basel II to be a revolutionary regulation which would benefit them in handling these changes, the most prominent view considers it to be an expensive exercise in fulfillment of regulatory compliance.
D&B TransUnion ADC strongly believes that if properly conceptualized and implemented, Basel II can be the source of strategic advantage to banks by sharply focused attention on stakeholder's wealth maximization through:
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Measurement of risks and their incorporation into pricing of products & services to identify and prevent unhealthy cross subsidization, if any |
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Risk aggregation and its comparison with risk appetite on a continuous basis for effective risk control
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Heightened ability to set and monitor exposure and risk limits at various levels
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Optimal allocation of capital to business units |
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Performance measurement on a risk adjusted basis at bank, division, product and customer levels
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Improvement in planning and target setting for business units
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| We provide consulting, technology & executive education solutions towards addressing regulatory compliance & business requirements of banks & financial institutions with a view to enabling adoption Basel II standards at strategic, policy, managerial and operational levels of risk management function. Our consulting offerings in Enterprisewide Risk Management cover a number of risk streams leading to Capital Computation, Risk Based Pricing & Risk Adjusted Performance Measurement at various levels. We offer technology solutions for Commercial & Retail Credit Risk Rating & Pricing, Operational Risk & Capital Calculation with rules engine, workflow management and data integration. |
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