09
Oct 15

Balance Sheet Management in the Standardised Environment

A lot of media attention has focused on the challenges facing IRB banks in light of the recent regulatory changes around capital, but the challenges facing standardised institutions operating under relatively higher funding costs and intensive capital requirements, with limited access to loss data, are no less significant. Operating under the standardised approach can make … Continue reading Balance Sheet Management in the Standardised Environment

08
Sep 15

Exploring the Impact of Capital Requirements on the Pricing of Loans

Banks are particularly focussed on capital settings, and the impact of regulatory change on customers, product, pricing, capital, systems and technology. The expected impacts of the recent Financial System Inquiry, ‘Basel IV’ and Total Loss Absorbing Capacity are currently being calibrated. In addition, the focus on international harmonisation presents interesting challenges for domestic regulation. The … Continue reading Exploring the Impact of Capital Requirements on the Pricing of Loans

03
Sep 15

Building Capabilities in Stress Testing

Stress testing is a challenging area for the banking sector. APRA’s 2014 industry-wide stress test revealed several shortcomings in the way in which banks conduct their own stress tests. The regulator concluded that bank data, modelling and the development of scenarios required improvement and it became clear that there was varying levels of sophistication between … Continue reading Building Capabilities in Stress Testing

12
Aug 15

Measuring Financial Strength Through Capital Adequacy

The past few weeks have seen some key announcements from APRA around the capital requirements for residential mortgage exposures as well as a review into the overall capital position of the Australian majors against their international banking peers. The banking regulator has found the capital adequacy ratios need to be increased and capital buffers strengthened. … Continue reading Measuring Financial Strength Through Capital Adequacy

13
May 15

Time for Digital Financial Innovation

The advent of the Internet has often been compared to invention of the printing press in the late 15th century. Like the Internet, the printing of books made information ubiquitous and readily accessible, empowering people with knowledge they used to change and expand their world. What is often forgotten in this analogy is that the revolution … Continue reading Time for Digital Financial Innovation

29
Apr 15

Facilitating Innovative Fintech Businesses – a Regulator’s Perspective

The upcoming opening of Stone and Chalk in Sydney is an example of the increasing recognition of the value of an innovative, vibrant fintech sector by Government and businesses. Innovation in financial services was also an important theme of the recent Financial System Inquiry (FSI) which recommended changes by Government and regulators that could facilitate … Continue reading Facilitating Innovative Fintech Businesses – a Regulator’s Perspective

07
Apr 15

Collaboration Vital to Future of Fintech – Advice from an Investor

“Build a great product in a big market that’s supported by a great team” – simple advice for Fintech entrepreneurs from Managing Director of venture capital group, Reinventure, Danny Gilligan. There is no doubt that the opportunities for Fintech startups are huge – particularly from a collaborative perspective – but we still have some way … Continue reading Collaboration Vital to Future of Fintech – Advice from an Investor

01
Apr 15

Alternative Finance in a Digital Economy

In the era of technology, social media, internet and e-commerce, alternative finance provides an opportunity to raise funds through the internet and reach a wider audience, gaining greater exposure and distribution than one would have gained through the traditional methods. People nowadays demand convenience and instant gratification. Online payments services, cloud security and electronic identity … Continue reading Alternative Finance in a Digital Economy