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2024-02-26
Navigating Financial Storms: Understanding Capital Adequacy and the Vital Role of Risk-Weighted Asset CalculationAt its core, capital adequacy refers to the sufficiency of a bank's capital reserves to absorb potential losses and safeguard against insolvency. Essentially, it reflects the ability of a bank to withstand adverse shocks and fulfil its financial obligations even in the face of significant disruptions. Capital adequacy is not merely a regulatory requirement but a fundamental principle that underpins the trust and confidence of depositors, investors, and counterparties in the banking system.Read more
2024-01-01
Know Your Best Performing Branches by Surya’s Funds Transfer Pricing (FTP) Funds Transfer Pricing (FTP) is a sophisticated mechanism employed by banks and financial institutions to allocate and measure the profitability of funds transferred between different business units and product lines within the organization. At its core, FTP enables banks to assign economic value to the funds they use and generate, facilitating a granular analysis of profitability across various dimensions, including branches, product lines, customer relationships, and even individual accounts.Read more
2024-01-01
Role of Asset Liability Management Systems in BankingALM - Asset Liability Management is a strategic approach used by banks to manage their Assets and Liabilities in a manner that ensures both liquidity and profitability while minimizing the risk. ALM involves monitoring, measuring, and managing various types of risks, including interest rate risk, liquidity risk, and market risk.Read more
2023-07-06
Understanding the Importance of Managing Interest Rate Risk on Banking BookInterest rate risk on the banking book (IRRBB) is a growing concern for banks worldwide, and the Reserve Bank of India has recently released guidelines for its management. Read more
2023-02-07
The Benefits of Regulatory Reporting for Banks Regulatory reporting is a critical part of banking, as it helps to ensure that banks are following the rules and regulations set out by governments and other regulatory bodies. It helps to keep banking activities safe and transparent, which in turn can help banks to better serve their customers. In this blog post, we will look at some of the benefits of regulatory reporting for banks. Read more
