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Business Case for Granular Ratings Scale

July 1, 2022

The amount of Expected Credit Loss (ECL) necessary to support a credit portfolio depends on the probability distribution of the portfolio loss.By using the aggregate credit quality as a proxy for the ECL, the portfolio is subjected to risk arising from the loss of granularity.


1st Quarter 2022: Loan Book Watchlist

April 07, 2022

The confluence of macroeconomic and geopolitical factors, such as, inflation, supply chain disruption, higher interest rates, an overheated housing market and Russia’s invasion of Ukraine contribute to the stagflation pressures in Ontario and other Canadian jurisdictions.


2022 A Major Policy Shift

Jan. 17, 2022

2022 will be a major turning point for central bank policy, growth, and inflationary pressures.While the environment will be more volatile and challenging, institutional risk appetite will need to be recalibrated in anticipation of risk hotspots and particularly mindful of early warning signals.


Digitizing Domains: Trends and opportunities for Canadian financial institutions

Oct. 16, 2021

Most mid-sized and large banks are running the core banking software that is more than 30 years old. In the intervening decades, we witnessed the internet transform the world, commerce move to the mobile device and computing move to the cloud.


3rd Quarter 2021: Loan Book Watchlist

Oct. 4, 2021

Post-COVID knock-on risk, relating mainly to inflation due to the supply-chain bottlenecks, and Evergrande/China risk manifested relatively higher severity during the 3rd quarter


Transforming Core Banking Systems

Sept. 30, 2021

Core transaction processing engines - or “core banking systems”- are at the heart of IT architecture and are increasingly important not only in terms of pure cost and performance but also in terms of processing transactions in real time, being able to stitch together partnerships with tech companies, e.g., allow API access.


2nd Quarter 2021: Loan Book Watchlist

July 12, 2021

Rolling public health restrictions, the ebb and flow of COVID-19 infections have forced Ontario to a K-shaped recovery. Certain sectors continue facing difficulties whilst other areas are largely insulated such as retail, manufacturing, construction, the resale homes and related sectors.


Quarterly Review: Loan Book Watchlist

May 7, 2021

Ontario’s 2020 macroeconomic results tell us that the worst has been avoided. Initial estimates suggested contraction in the GDP by 9.0% vs. 5.7% (realized). Better than expected results can partially be attributed to red-hot real estate market as was evidenced by growth in housing starts.

Webinar Series 3

Reimagining Branch: One Brick At a Time

Date: July 8, 2021, at 5:00 pm EST

Event Ended. Hit the button below to watch the video of the event.

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