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Featured Insights

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ARTICLE

Integrating Macroeconomic Scenarios in Stress Testing Workflow

This article describes how an advanced testing methodology can protect financial institutions from the risk of unknown shocks by integrating alternative macroeconomic scenarios into their stress testing workflow.

CreditUnions, Banks, Stress Testing, Federal Reserve, Bankingbook, Analytics_bb, Fintech, Analytics

NEWSLETTER

Newsletter: Featured Insights Series - Issue 3 | November 2020

Generally speaking, Canadian credit unions and mid-sized banks are well-capitalized. So, the question really becomes what are the benefits of implementing Economic Capital ECAP system?

EconomicCapital, CreditUnions, Finance, Management

ARTICLE

Managing Mortgage Prepayments Using Logistic Regression

As rates drop, lenders are likely to see a flurry of requests to switch mortgages. Mortgage redemptions could be expensive from many aspects. For starters, a mortgage repayment can leave a lender with out-of-pocket charges,

CREDIT RISK, PROCESS REDESIGN

NEWSLETTER

Newsletter: Featured Insights Series - Issue 2 | September 2020

As the debt forgiveness period winds down, concerns about what happens in the post-debt holiday period begin to emerge. Most financial institutions, including mortgage insurers, offered a three to six month deferral period to retail and non-retail borrowers. According to BBA’s research, an estimated 20% - 40% of the loan book exposure went on payment holiday as a result of the abrupt stop in economic activity.

CREDIT UNIONS, CAPITAL, RISK, MANAGEMENT, COVID-19, FINANCE, CFO, CHIEF FINANCIAL OFFICER

ARTICLE

Forecasting the Impact of COVID 19 on Credit Portfolios

This article focuses on developing an approach to determine the impact of COVID 19 on credit portfolios.

BANKS, CreditUnions, FinTechs, CreditInstitutions, CEOs, CROs, CFOs, COOs

NEWSLETTER

Newsletter: Featured Insights Series - Issue 1 | July 2020

Much has been written in recent years about the potential for broadening the role of CFOs at financial services organizations, including credit unions. Of special concern has been the extension of the CFO’s traditional finance and comptroller role to include greater involvement in sophisticated strategic planning and external communication, and to foster better cooperation with risk management.

CREDIT UNIONS, CAPITAL, RISK, MANAGEMENT, COVID-19, FINANCE, CFO, CHIEF FINANCIAL OFFICER

ARTICLE

Designing COVID-19 Pandemic Stress Scenario

The profound humanitarian fallout of the COVID-19 carries with it the potential equally disruptive economic fallout. Using scenarios, our experts share their thoughts on what changes would likely stay and what changes are only temporary; and how they would impact the financial services business in medium term.

COVID, STRESS TESTING, SCENARIO ANALYSIS

PERSPECTIVE

Pandemic, Climate Change and New Normal

Some actions that banks and credit unions can consider as they seek to stay-in-business business during this time of stress. There’s no doubt that we are only at the start of an unprecedented and uncertain time. Customers need assurances that their local credit union or bank is well-capitalized and is able to assist during this difficult time. Management, meanwhile, needs to take decisive action to deal with the immediate crisis and operate a sustainable business.

BANKS, CREDIT UNIONS, ASSET MANAGERS

NEWSLETTER

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

BBA - BankingBook Analytics' ScenarioFrontier helps firms to 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 promptly and assimilate the process into a broader framework to inform management of decisions and support core risk management, capital planning, budget tracking, and strategic growth objectives.

STRESS TESTING, SCENARIO ANALYSIS

NEWSLETTER

Canadian Credit Unions Performance - 4th Quarter 2019

Each quarter, we review the public financials of leading Canadian credit unions, diagnosing the state of the credit union industry and illustrating the leading practices and characteristics of industry winners.

CREDIT UNIONS, RISK-ADJUSTED PERFORMANCE, DATA, BENCHMARKING, FINANCIAL PERFORMANCE