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A roadmap for banks
report | McKinsey Working Papers on Risk, No. 43

Getting to ERM: A road map for banks and other financial institutions

This working paper contains a diagnostic framework for assessing an organization's ability to manage risk at the enterprise level. McKinsey's ERM framework can help to shape discussion by senior management of ERM capabilities and shortcomings.

Governments efficient in spending
report | McKinsey Working Papers on Risk, No. 42

Risk-based resource allocation: Focusing regulatory and enforcement efforts where they are needed the most

Risk-based allocations of scarce resources is a necessary discipline for governments to demonstrate that they are becoming more efficient in their spending. This paper sets out an effective, 4-step process for better risk-based resource allocations.

Prospects for European banks’ funding
report | McKinsey Working Papers on Risk, No. 41

Between deluge and drought: The divided future of European bank-funding markets

Despite some apparent short-term relief, culminating in the repayment by banks of some of the funds advanced to them by the European Central Bank (ECB), the long-term picture remains both complex and uncertain.

New regulations and requirements for IT capabilities
article

It’s not just about getting your ratios right: Basel’s far-reaching new risk IT requirements

New regulations from the Basel Committee are set to raise the bar on banks' requirements for IT capabilities to support their risk aggregation and reporting.

Enterprise risk management
report | McKinsey Working Papers on Risk, No. 40

Enterprise risk management: What's different in the corporate world and why

This paper captures many years of experience in both the corporate and FIG worlds, explaining what each might learn from the other and where there might be pitfalls if techniques and approaches to ERM are imported unthinkingly across sectors.

Commodity trading at a strategic crossroad
report | McKinsey Working Papers on Risk, No. 39

Commodity trading at a strategic crossroad

This paper calls attention to the pressures faced by commodity traders in light of extremely competitive markets conditions and a plethora of existing and impending regulation. This is an industry on the cusp of profound changes.

Capital management: Banking's new imperative
report | McKinsey Working Papers on Risk, No. 38

Capital Management: Banking's new imperative

The paper is the latest version of our annual survey on capital management practices at leading banks and highlights some of the tensions between regulatory capital and economic capital approaches. It is of enormous relevance to all of our banking risk clients, featuring insights it gives into the uses of RWA optimization programs and the impacts of Basel II.5 and III.

First-mover matters: Building credit monitoring for competitive advantage
report | McKinsey Working Papers on Risk, No. 37

First-mover matters: Building credit monitoring for competitive advantage

The paper assesses the challenge facing banks' core credit operations, which are under severe pressure from regulators and market conditions. Banks with superior credit processes have a strategic opportunity to create competitive advantage.

Day of reckoning for European retail banking
report | Banking & Securities (Europe)

Day of reckoning for European retail banking

New regulations will lower returns for Europe's retail banks. McKinsey research lays out the scope of the problem and suggests ways that some banks may be able to regain lost ground.

Wearing varifocals - A new perspective on Risk Organizations
article | EMEA Banking Practice

Wearing Varifocals—a new perspective on risk organization effectiveness and efficiency

Traditional ways of looking at the risk organization often hinder a complete understanding of the risk function. A new article proposes a new way to look at the risk organization that will help financial institutions improve their organization’s effectiveness and efficiency.

Risk IT and Operations
report

Risk IT and Operations: Strengthening capabilities

The culmination of a 10-month research effort involving 44 firms on six continents, with input from leading financial regulators, this report presents a comprehensive perspective on the role of IT and operations in risk management.

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