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Quarterly Stress Testing: Base, Severe, and Adversely Severe macroeconomic scenarios for US and Canadian clients

BBA - BankingBook Analytics' ScenarioFrontierTM helps firms streamline their stress testing activities and establish a collaborative, auditable, repeatable, and transparent stress testing program. Our solution helps firms manage their stress testing submissions in a timely manner and assimilate the process into a broader framework to inform management decisions and support core risk management, capital planning, budget tracking and strategic growth objectives.

STRESS TESTING, SCENARIO ANALYSIS

PERSPECTIVE

2020: Creating a More Digital, Resilient Credit Union

As benchmarks are reset, BankingBook examines the profound ways in which credit unions' Finance and Treasury functions will change in the new decade.

BENCHMARKS, CREDIT UNIONS, DIGITAL

PERSPECTIVE

Cyber Resilience: Why your IT department’s cyber security plan is bound to fail

Learn why cyber risk quantification is becoming a top priority for businesses and governments

DepositsCYBER RISK, RISK QUANTIFICATION

PERSPECTIVE

Liquidity Risk at Credit Unions: Managing liquidity risk in a shrinking membership environment

This 2020 report surveys credit union membership trends and liquidity management approaches

CREDIT UNIONS, LIQUIDITY

ARTICLE

Designing and Implementing Cyber Risk Dashboard

Due to the lack of an effective, integrated approach for cyber risk management, gaps in cyber risk reporting

CYBER RISK, REPORTING

ARTICLE

Five Ways to Feel More in Control of Cybersecurity

How businesses and governments can bolster their cyber lines of defense and what are the obstacles to managing cyber risk?

CYBER RISK, REPORTING

ARTICLE

Deposits vs. Securitization – The Battle for Funding

Credit unions have been able to originate much higher volumes of credit assets with liquidity sourced from deposits and the sale of mortgage securities.

CREDIT UNIONS, SECURITIZATION, DEPOSITS

ARTICLE

Distribution Analysis for Information Risk (DAIR): A Cyber Quantification Framework

We know that cyber threats continue to evolve and pose increasingly significant risks to organizations. We also know that the impact of cyber-attacks extends beyond direct financial consequences. Cyber incidents can lead to serious service disruptions, reputational damage and share price deterioration, along with potential for fines and litigation. We also know that the impact of cyber-attacks extends beyond direct financial consequences. Cyber incidents can lead to serious service disruptions, reputational damage and share price deterioration, along with potential for fines and litigation.

CYBER RISK, DAIR, BANKS, CREDIT UNIONS, ASSET MANAGERS

REPORT

Alternative Rating Development Approaches: Shadow Bond Approach

Where good-bad analysis cannot be used due to lack of default data, the ‘shadow-bond method’ offers a less robust but statistically valid alternative. Here the ability of financial factors to predict default is modelled by measuring their ability to predict external rating agency default rates.

RATINGS, DATA, SCORECARDS

REPORT

Regulatory Approval of Internal Ratings Based Approach

More than ten years after the roll-out of Basel 2, many lending intuitions in Canada are still using the Standardized Approach (SA) for regulatory reporting. As a consequence, reporting institutions are either setting aside disproportionately higher capital for their loan book, are engaged in regulatory arbitrage by issuing residential real estate loans or are involved in "originate-to-distribute" lending. All of these afore-mentioned consequences contribute to higher systemic risk

RATINGS, DATA, SCORECARDS, REGULATORS