Responsibility instead of regulation – risk culture lays the foundation for effective governance in the lending business
The supervisory authorities have already recognized this: risk culture is no longer a soft topic, but an audit-relevant factor that allows conclusions to be drawn about an institution’s manageability and stability.
How can lending standards be used as a strategic lever in credit portfolio management?
Banks are operating in an economic environment that is characterized by uncertainty, structural change and increasing default risks. The article shows why lending standards represent a key management instrument for executives, how they are embedded in the regulatory framework and which factors determine their actual effectiveness.
Mergers are more likely to fail because of people than numbers – how to turn communication into a success factor
Read on to find out why communication represents the greatest opportunity in a merger process and how banks can avoid the typical real-life pitfalls through clarity, stringency and dialog as well as target group-specific approaches.
How do small cooperative banks become stronger together through mergers?
Large and small cooperative banks alike are under considerable pressure to change. Mergers are often seen as a strategic response to these challenges, also in the segment of banks with total assets of less than EUR 1 billion.
Why is proprietary real estate business facing growing regulatory scrutiny?
Regulatory realignment: how is BTO 3 changing banks’ proprietary real estate business? How can regulatory resilience provide a competitive advantage?
Pay Transparency Directive: from an equality issue to a management and P&L risk
This article outlines the risks arising from the new legal framework – and the steps institutions must now take to align transparency requirements, profitability and regulatory expectations.
