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Grip on your EVE SOT
Over the past decades, banks significantly increased their efforts to implement adequate frameworks for managing interest rate risk in the banking book (IRRBB). These efforts typically focus
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SAP Analytics Cloud – Liquidity Planning in SAC
While SAC is a planning tool to be considered, it requires further exploration to evaluate its fit with business requirements and how it could unlock opportunities to potentially streamline
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Preventing a next bank failure like Credit Suisse: More capital is not the solution
After the collapse of Credit Suisse and the subsequent orchestrated take-over by UBS, there are widespread calls for increasing capital requirements for too-big-too-fail banks to prevent
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A comparison between Survival Analysis and Migration Matrix Models
This article provides a thorough comparison of the Survival Analysis and Migration Matrix approach for modeling losses under the internal ratings-based (IRB) approach and IFRS 9. The optimal
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CEO Statement: Why Our Purpose Matters
The Zanders purpose Our purpose is to deliver financial performance when it counts, to propel organizations, economies, and the world forward. Recently, we have embarked on a process
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Demystifying blockchain security risks
To fully leverage the benefits of this technology, it’s essential to understand and address security threats when implementing blockchain solutions. As a decentralized distributed
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ISO 20022 MT MX migration – What does this really mean for Corporate Treasury?
The start of the migration from the SWIFT FIN format to the new ISO 20022 XML format, which is a banking industry migration that must be completed by November 2025. Whilst at this stage
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Global disruptions demand Treasuries to act fast
In today’s world, supply chain disruptions are consequences of operating in an integrated and highly specialized global economy. Along with affecting the credit risk of impacted
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A solvent wind-down of trading books and its challenges
Large systemic financial institutions have to show that they are resolvable during times of great stress. In this article, we discuss a specific requirement for resolution planning: the
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Why an ESG rating is like drowning
A 19th century book on Indian proverbs1 contains a story about a man who went on a journey with his son: “He came to a stream. As he was uncertain of its depth, he proceeded to sound
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Zanders enters into innovative blockchain technology consulting
With the potential of Blockchain technology to transform businesses, we aim to guide our clients through the complexities of this technology and help them leverage it to improve their
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Interweaving AI with SAP
Late last year, ChatGPT emerged online as the next phase in this fast-growing and exciting technological space. Many of us tried it out already, and I have yet to meet anyone who is not left
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Get rid of bespoke solutions: back to standard!
This article may help SAP system owners re-think or change their approach towards bespoke custom solutions in the system. Over the past 14 years, my colleagues and I
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Sustainability in Switzerland: Recent developments
The Federal Council in Switzerland wants to make sure that the Swiss financial sector will play a leading role in sustainability. To help accomplish this, it published an action plan in
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TCFD climate-related disclosure recommendations
An increasing number of policy makers and regulators have embedded the recommendations in industry guidance and laws. In this article we summarize the TCFD recommendations, taking into account
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What can banks do to address the challenges posed by rising interest rates?
Today’s interest rates are positive, the yield curve relatively flat and, in some currencies, even (slightly) inverse. The rise in interest rates poses a significant challenge for banks.
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Increase confidence in your organization with proactive fraud prevention measures
With every improvement, fraudsters look for and find new opportunities to exploit. When the opportunity arises, some people see a big incentive or pressure to commit fraud, and most will be
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Are climate change risks properly captured in the prudential framework?
More simply put, the EBA was asked to investigate whether the current prudential framework properly captures environmental and social risks. In response, the EBA published a Discussion Paper
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BCBS Principles for the effective management of climate-related financial risks
These risks stem from the transition towards a low carbon economy and from the physical risks of damages due to extreme weather events. To address climate-related financial risks within the
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