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EBA’s Revised Definition of Default
On July 2nd, the European Banking Authority (EBA) published a Consultation Paper proposing amendments to its 2016 Guidelines on the application of the definition of default (DoD). As part of the
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Cash Agility: The Underrated Power Lever in Private Equity Value Creation
In an industry where growth is often measured in multiples, and value creation is expected to be both scalable and repeatable, operational excellence is no longer a supporting function—it’s
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Gaining Insights from Shorter Horizons: NGFS’s New Short-Term Scenarios
With extreme weather events becoming more frequent and climate policy tightening across jurisdictions, banks are under increasing pressure to understand how climate change will impact their
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Navigating the Dutch National Mortgage Guarantee (NHG) in CRR3
With the introduction of CRR3, effective from January 1, 2025, the ‘extra’ guarantee on Dutch mortgages – known as the Dutch National Mortgage Guarantee (NHG) – will no longer be
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Innovations in PD Modeling for IFRS 9: Extending the Vasicek Framework
According to the IFRS 9 standards, financial institutions are required to model probability of default (PD) using a Point-in-Time (PiT) measurement approach — a reflection of present
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What Banks Need to Know from the EBA’s Fourth LCR & NSFR Monitoring Report
Inflows from open reverse repos In May 2024 the EBA stated1 that inflows from open reverse repos cannot be recognised in LCR calculations unless the call option has already been
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Ensuring Robust Controls and Checks in SAP TRM with a Kaizen Approach
This article is intended for finance, risk, and compliance professionals with business and system integration knowledge of SAP, but also includes contextual guidance for broader audiences. 1.
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Modernizing Payment Systems: An Approach to BACS AUDDIS Implementation with SAP S/4HANA
Our team at Zanders has been at the forefront of implementing BACS AUDDIS (Automated Direct Debit Instruction Service) with SAP S/4HANA, helping clients to streamline their direct debit
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Thailand's WHT Digital Transformation: A New Era for Corporate Treasury
Thailand's e-Withholding Tax (e-WHT) system officially launched on October 27, 2020, in collaboration with 11 banks, marking a significant digital transformation with far-reaching benefits for
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Reinforcing Financial Resilience: Adopting a Holistic FRM Approach
In today’s rapidly evolving financial landscape, fortifying the Financial Risk Management (FRM) function remains a top priority for CFOs. Zanders has identified a growing trend among
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Revealing New Insights Through Machine Learning: An Application in Prepayment Modelling
Emergence of Artificial Intelligence and Machine Learning The rise of ChatGPT has brought generative artificial intelligence (GenAI) into the mainstream, accelerating adoption across
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FINMA Circular on Nature-related Financial Risks
Introduction In December 2024, FINMA published a new circular on nature-related financial (NRF) risks. Our main take-aways: NRF risks not only comprise climate-related risks,
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Transforming Treasury: Unlocking Growth for Mid-Sized Corporations
As mid-sized corporations expand, enhancing their Treasury function becomes essential. International growth, exposure to multiple currencies, evolving regulatory requirements, and increased
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Using Capital Attribution to Understand Your FRTB Capital Requirements
Industry surveys show that FRTB may lead to a 60% increase in regulatory market risk capital requirements, placing significant pressure on banks. As regulatory market risk capital requirements
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IFRS 9 - Annual Report Study
First, these regions were analyzed independently such that common trends and differences could be noted within. These results were aggregated for each region such that these regions could be
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Euro Verification of Payee – Demystifying the Real Challenge with File Based Payments
The EU instant payments regulation1 comes into force on the 5th October this year. Importantly from a corporate perspective, it includes a VoP (verification of payee) regulation that requires
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Biodiversity Footprinting: How Financial Institutions Can Measure Their Impact
Human activities such as deforestation, pollution, and resource over-extraction have caused a dramatic decline in biodiversity, with approximately 1 million species at risk of extinction,
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End of Days: Calling Time on Swift’s Outdated Cross-border Payments Model
The evolution of the payments industry over the past 20 years has been significant, both in terms of the number of available settlement methods and how transactions can now be made. At a
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Debt Capacity Made Easy with our Latest Transfer Pricing Solution
In the ongoing efforts to enhance tax transparency for multinational corporations, tax authorities have progressively increased scrutiny on intercompany financial transactions. While the
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Boosting MVA Calculation efficiency: the power of GPU computing
With recent volatility in financial markets, firms need increasingly faster pre-trade and risk calculations to react swiftly to changing markets. Traditional computing methods for these
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