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Risk, Regulation and Profitability: Reconciling Banking's Key Strategic Challenges
Searching Finance, Oct 2011, Pages: 100
This report defines and analyses the core issues, balances and weighs conflicting views, and assesses likely impacts and outcomes to provide unique and insightful strategic input in troubled times.
Key strategic issues addressed by include:
- Corporate governance: To what extent can the traditional elements of corporate governance, in particular boards of directors, play a role in mitigating future threats to banking stability? What has been the actual record of such governance in the recent crisis? Has banking become too complex and fast moving for these individuals?
- New supervisory and regulatory measures: How likely are such measures such as the new Basel III, coupled with national legislation such as Dodd-Frank in the US and the creation of new regional entities in the EU, to significantly improve the identification and resolution of individual bank and systemic problems?
- Strategic measures being taken or considered by bank management to reduce risk: For example, what might be the future profile of investment banking and other high-risk businesses in the light of the possible application of the Volcker rule and similar measures to separate them from those supported by taxpayers?
- The outlook for reconciling loss mitigation and achieving satisfactory investor returns: How confident is the industry regarding the future of risk mitigation, and what are the key variables in this effort? What are the major gaps or issues to be addressed in the loss mitigation effort? How likely is a satisfactory resolution of the investor/regulatory dialogue at a return on investment acceptable to both sides?
- Case studies of success in bank risk management: While considerable attention has been paid to failures in bank risk management, a number of banks have demonstrated sustained success in reconciling the regulatory and public interest in banking safety with investors’ need for earnings growth and satisfactory return on capital. The report examines in detail such success stories across a number of business models and geographies as well as the lessons to be drawn from them.
The report provides a balanced, composite view of the considerations involved in this strategic planning. In a rapidly evolving process of global re-regulation, it assesses the impact of what has been agreed, what is still to be agreed, and provides an indication of the likely future outcomes.'
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