article
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.
newsletter
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.
article
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.
article
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.
newsletter
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
article
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.
newsletter
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.
newsletter
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.