It is a reader friendly, practical and easy to follow presentation on the challenges that Financial Institutions have to cope with for a healthy and sustainable growth.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
Pay attention to what matters in Retail Banking: Invasion of Technology; Risk Identification, Measurement, and Management. The Customer wins, The Bank Wins, The Employee Wins.
Pay attention to what matters in Retail Banking: Invasion of Technology; Risk Identification, Measurement, and Management. The Customer wins, The Bank Wins, The Employee Wins.
How Excessive Compliance, Complex Sanctions, and prohibitive penalties have driven banks to De-Bank so many clients just to spare themselves the hassle of enhanced due diligence.
The Digital Disruption of Financial ServicesTony Moroney
Financial services must adapt; quoting from Leading Digital Transformation, its about "the adaptations a business makes to be competitive in a digitalized world". It's the C-suites job!
Industry and firm profile- MBA course papergirish0984
The objective of this document is to study a particular industry and a firm within that industry. This document describes the Financial Services Industry and JP Morgan bank.
Solving Financial Constraints with Innovative Funding SolutionGilbert Tam 譚耀宗
After the credit crunch in 2008, SMEs though they are amounted to the 80-90% of business activites but their access to funding has been greatly impacted by the traditional lenders, banks, that after the 2008 credit cruch are reluctant to maintain such business if no "bricks and mortar" are provided by sellers.
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Capital Equipment Finance: The Lifeblood of GrowthCIT Group
Eric Miller, Group Head and Managing Director, CIT Capital Equipment Finance, offers his perspective on the importance of dealing with a lender that understands your business and its cycles.
Implementing Anti Money Laundering and Fraud Rules in BankingTriVersa
This presentation describes various financial crimes functional challenges and how to define and construct effective rules in support of Anti-Money Laundering (AML) or Electronic Fraud scenarios.
It is useful to those working in traditional or digital Banking sectors; especially working in departments such as Internal control, Compliance, Monitoring or Investigation.
Professionals in compliance or technology functions such as internal Control officers, compliance officer, rules developers, compliance supervisors and team leaders will also benefit as it aims to provide insight into effective rules that ensures their Banking operations remain compliant in line with ever-evolving electronic fraud and AML patterns.
Later sections of the presentation also describe Dixtior Compliance Solution as an effective solution to detect and combat money laundering in any banking institution.
To download the document, visit www.thetriversa.com/article.php
The FinTech sector has grown rapidly in last few years and is on track of ever evolving track. Prior to 2008 financial crisis, the traditional banking sector was the only playground available for financial needs. The financial crisis collapsed the traditional banking & financial mechanism and paved the way for more secure and updated financial transaction which led to emergence of FinTech, which has altered the economic viability of traditional banking sector participants to originate loans, translating into contraction of the credit supply for individuals and SMEs.
Today, financial markets & services are flooded with technology driven innovation, whereby new non-depository institutions- referred to as peer-to-peer financing, loan based crowdfunding platform, marketplace lenders (MPL) - providing loans of various types and duration to end users through online and mobile channels. Some of these companies lend from their own corpus/balancesheet, while some serve as brokers between investors and borrowers, commonly referred to as “Platform Lenders”.
Payments has been the frontrunner in the large scale consumer adoption of Fintech in India, aided by the spread of smartphones and mobile internet at affordable price points. Most FinTech players started out by identifying a niche/use case for building a customer base ( e.g. Paytm for online payments, Ola Money for cab payments, Airtel Money for phone bills etc.) and then expanding onto other services.
Indian regulatory authorities including RBI, SEBI & IRDA have adopted an accommodative stance towards an emerging Fintech sector without bringing in prohibitive guidelines to over regulate the sector. Despite catching up with the rapidly evolving eco system, Indian regulators have adopted a consultative approach and have been proactively foreseeing the need for adequate regulations, especially in the areas concerning public funds i.e. peer-to-peer lending, crowd funding and alternative currencies.
In order to develop a fact-based perspective, The Economist Intelligence Unit (EIU), sponsored by Hewlett Packard Enterprise, has conducted parallel surveys of more than 100 senior bankers and 100 Fintech executives. The objective is to determine their respective views on the impact of Fintech, the strengths and weaknesses of the participants and the likely landscape for the retail banking industry over the next five years.
Change is now the common narrative for retail bankers, with three interlocking "Rs" affecting all retail banks. "Regulate" still resonates as authorities finalise efforts to police the systems without stymieing economic growth. Equally challenging is "Revise" as traditional players work out their roles as customer expectations change rapidly. Further impetus comes from the start-ups and non-banking disruptors who aim to "Re-envisage" banking.
The convergence of non-traditional rivals and heightened global regulation are creating new digital opportunities for banks. To seize the high ground, banks need to think like disruptors and apply modern digital tools, techniques and partnership strategies.
Similar to Threats & Challenges Facing Financial Institutions (20)
I argue that much of what is proposed in the IFRS 9 document could have been accomplished through Pillar 2 of the Basel Accord in its 2006 release.
Pillar 2 was introduced to put to test Management Capabilities, and Regulatory Credibility. I argue that both failed that test which made the introduction of IFRS 9 a necessity.
Compliance is about identifying the risks that the financial institution could encounter as a result of “Failing To Comply”.
Conduct & document comprehensive Risks Assessment; and the planned remedial measures in a manner appropriate to the requirements of the compliance rule!
This is my message.
A Summary of My Professional Qualifications. It is in Power Point Presentation format for easy and convenient access. Browse through it in "Slide Show Mode" and click on what you want to see.
a qualitative insider's look at the challenges confronted by members of Board of Directors in Governing as Technological Innovations fast forward and invaded the Banking/Financial Landscape; and as Compliance competes with Governance in Oversight.
the article provide a snap shot about CRS but raises concerns about the OECD Tax Authorities intruding into the Financial Sector which is disturbing the peace!
A soft & a qualitative approach to identifying, assessing and dealing with the risk of automating Processes. The focus is on the Person behind the Technology instead of the Technology itself.
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
1. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Threats & Challenges to
Economic Growth: The Banking
Sector
By: Mohammad Fheili
April 25th, 2017 . . . Hilton Metropolitan
Session 02: Private & Public Sectors Challenges & Opportunities
2. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Information
Technology
Customer
Expectations
Law &
Regulations Equipped To
Compete
Knowledge &
Skill Gap
Shadow
Banking
6
3. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Information TechnologyThe Mother of All Challenges!
The Introduction of any form of technology in a given production process
or the mere modification of an existing IT environment necessitates a
number of changes:
Staff Skills,
Workflows,
Policies & Procedures, and
a host of other changes.
Which reflects on Performance…
IT RiskModel Risk Cyber Risk
Risk Inter‐
dependency
Data
Collection,
Processing,
& Storage
4. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Between
Humanizing “The Technology’ & Digitizing “The Human-Client!”
IT Altered Our Existence
Digitizing the Client-Bank Relationship
Remains Out-Of-Synch With The Existing
Culture!
5. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
We Did Not Spare A Single Opportunity to Exploit Available
Technology!
Virtual!
Real
6. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Increased Usage
of Impersonal
Electronic
Services
Low Cost
Electronic
Services
Lower Customer
Intimacy
Reduced
Switching Costs
Between Banks
Customers are
constantly
shopping for
better deals Increased
Demand for
Transparency
Need to
Leverage all
Customer ‘Touch
Points’Customer
Interest peaks &
falls rapidly
Less Time to
Know and
Influence
CustomersProliferation of
Channels to
Service The
Client
TechnologyTechnology
We Did Not Spare A Single Opportunity to Exploit Available Technology!
8. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Fairly complex lending
products like
mortgages are being
done online with more
frequency.
Consumers have been
slowly migrating to
digital channels for
more than just simple
transactions.
The need to visit a
physical branch will only
occur for the most
complex sales and
service issues.
Branch networks will
be consolidated with
little need for
transaction centers.
Innovation is forcing
branch models to
evolve with the
market.
Have We
Gone Digital?!
9. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Most consumers
rely on brick &
mortar for
commerce and
will continue to
do so …
Just because a
consumer might need
to talk to a person, it
doesn’t mean they
have to be in the
same physical space
to do so ...
Nearly 60% of
traditional banking
products still being sold
in the branch …
Most banks don’t
offer a decent digital
customer acquisition
mechanism ...
Most retail
deposits still
take place at
the branch …
Most Customers Remain
Skeptical About Going Digital!
11. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Customer Expectationsand the Power to Punish
If you don’t Duly respond, some other Banks will!
The Cost of ‘Switching’ is negligent.
Harnessing big data analytics, social media monitoring and other new
forms of insight to anticipate and respond proactively to changing
customer demands..
How to gain clearer line of sight to customers, speed up decision
making and overcome institutional resistance to change.
Shift from Product‐Push to Customer Solutions.
Accent on Product Specialization (‘depth’) gives way to broader
engagement, analytical and change management skills (‘Breadth’).
13. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Legal Obligation
• The Public at Large has the Right
to Know! Where its impact on
the Financial Institution’s
Reputation and Performance is
often severe. Profitability
suffers, and it triggers
immediate additional expenses
for Damage Control.
Regulator Obligation
Issues of non‐compliance
are handled inside closed
doors Regulators.
The Changing Face of Regulation
14. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Increased Chances of Fraud and Credit Risk
Law 318 – AML and ….
Law 42 – Cash Across Borders and Declaration
Law 43 – Exchange of Tax Information
Law 44 – AML and Counter Financing of Terrorism
Law 53 – International Convention for the Suppression of the Financing
of Terrorism
BDL Basic Circulars 83 – Regulator’s Version of Law 318, and
BDL Intermediate Circular 371 – Compliance Officer at P.O.S.
BDL Basic Circular 81 on Credit Risk – Compared to BDL Basic Circular 58)
Increased the Demand for Transparency
BDL Basic Circular 134; and
BCCL Circular 281)
Etc…. Reporting (FATCA, CRS, IFRS 9, ….)
15. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Basel I
Basel II
Credit Risk
Credit Risk
Market Risk
Operational Risk
1986 proposed
1999 proposed
1988 effective
2007 effective
Basel III
Credit Risk
Market Risk
Operational Risk
Capital Quality
Additional Buffers
Liquidity: LCR, NSFR
2009 proposed
Kick Off in 2011
Amendments
Amendments
Basel 2 ½
Basel 1 ½
Amendments
Basel 3 ½
Basel IV
2015 Anticipated
Kick Off in 20??
• Capital Requirements
• Liquidity Requirements
• Disclosure Requirements
• National Divergences
• Risk Sensitivity
• Use of Internal Models in
Decision Making
• Total Risks = Credit Plus
Market Risks
• Internal Models Emerged
• Later on, Tier 3 Capital
• Enhanced Pillar 2, 3
• Complex Securitization
obtained higher Risk
Weights.
• Trading Books
Tequila
Crisis
Asian Market
Crisis
Shadow Banking
Crisis
16. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Risk Management and Compliance MUST NOT
Be Competing Tasks Inside the Hallowed Halls of Banking Institutions
Compliance
With AML Rules & Sanctions & Laws
Compliance is a Task intended for Risk Control
You are suited to follow a well
defined track!
RiskManagement is a Decision & a Choice.
You are geared
up and equipped
to travel through
unchartered
territories and
be creative in
avoiding danger
(not Risk)
17. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
By putting greater restrictions on banks, regulators have pushed the riskiest activities to
unregulated entities – Shadow Banking – that the Financial Stability Board has also indicated it
wants to bring under its capitalization regime … A New and More Complex Breed of Opaque
Banking is, then, likely to emerge.
18. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Lenders
Surplus Spending
Units ‐SSUs
• Individuals (Current
Income is GREATER than
Current Expenditures)
• Firms (Earnings in excess of
what the firm needs currently)
• Government (Current
Revenues are in excess of
planned Expenditures)
• Financial
Intermediaries (Funding
is currently GREATER than
investment)
Where to Warehouse
the Surplus of Fund?
Where to Warehouse
the Surplus of Fund?
Borrowers
Deficit Spending
Units ‐DSUs
• Individuals (Current
Income is LESS than Current
Expenditures)
• Firms (Earnings falls short of
what the firm needs currently)
• Government (Current
Revenues fall short of planned
Expenditures)
• Financial
Intermediaries (Funding
is currently LESS than
investment)
Where to Go
to Fund My
Ideas?
Where to Go
to Fund My
Ideas?
Tapping into International Market for Loanable
Funds
Local Pool of
Loanable
Funds
Decision is a
function of:
• Motive
• Risk Aversion
Firms,
Governments,
Fin. Institutions,
Households
19. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Borrowers
Deficit Spending
Units ‐DSUs
• Individuals (Current
Income is LESS than Current
Expenditures)
• Firms (Earnings falls short of
what the firm needs currently)
• Government (Current
Revenues fall short of planned
Expenditures)
• Financial
Intermediaries (Funding
is currently LESS than
investment)
Regulated
but not like
Banks
Heavily
Regulated
Not
Regulated
Regulation in this context indicate to: Presence of Lender of Last Resort; Legal Reserve; Deposit
Insurance; Capital Adequacy; etc.
Debt, Equity,
etc. Instruments
Deposit &
Loans
MMMF, CP, ABCP,
Repos, etc.
Very Inter‐Connected
Lenders
Surplus Spending
Units ‐SSUs
• Individuals (Current
Income is GREATER than
Current Expenditures)
• Firms (Earnings in excess of
what the firm needs currently)
• Government (Current
Revenues are in excess of
planned Expenditures)
• Financial
Intermediaries (Funding
is currently GREATER than
investment)
20. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Borrowers
Deficit Spending
Units ‐DSUs
• Individuals (Current
Income is LESS than Current
Expenditures)
• Firms (Earnings falls short of
what the firm needs currently)
• Government (Current
Revenues fall short of planned
Expenditures)
• Financial
Intermediaries (Funding
is currently LESS than
investment)
With intermediation in Both
Without
Intermediation
Shadow Banking
Replicates
“Intermediation” in
the Banking Model
But . . .
Lenders
Surplus Spending
Units ‐SSUs
• Individuals (Current
Income is GREATER than
Current Expenditures)
• Firms (Earnings in excess of
what the firm needs currently)
• Government (Current
Revenues are in excess of
planned Expenditures)
• Financial
Intermediaries (Funding
is currently GREATER than
investment)
22. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
The most successful businesses are going much
further by re‐engineering their organizations
towards new ways of meeting customer demands
and opening up new market opportunities. So, is
your business up to speed?
Does your mission embrace the values of the post‐
crisis world?
Do your organizational capabilities reflect the new
economics of your business?
Equipped to Compete
There is a Need To Change The Rules of Engagement
23. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Client is Engaged
Compliance Cycle
Service Cycle
st1Client
Interface
Start
Interface
Client
Engaged
CIP, KYC
AML Compliance (Regulator Decides)
Client Engagement is Constrained by: The Bank is
Deemed AML‐Compliance Responsible & Accountable
Customer Satisfaction (Customer Decides)
Client Engagement is Driven by: The Potential for
Revenue: Interest Income, Commissions & Charges;
and a Word‐of‐Mouth Free Marketing
Branch
The Most Critical Customer
Interface; Manage With Care:
You Either Collect all the
needed information (CIP &
KYC), or you have planted the
seeds of Troubles to Come . . .
De-Risking Means The Bank “Expects” To
Receive A Greater Value From
Disengaging With The Client than from
Maintaining The Engagement.
How To Engage With The External Customer
Both Cycles Must
Converge to Serve The
Institution
24. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Participative
Risk Management
Full and Consistent
Communication & Coordination
with all Business Units
Autocratic
Risk Management
I Know what to
do, and I will do
it all alone. My
way or the
highway!
How To Engage With The Internal Customer
25. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
The Knowledge
& Skill Gap
Success in
Business
College Curriculums Are
Not Up To Par …
College
Education
Growth
Close the Gap
26. Mohammad Fheili ⌂⌂⌂ fheilim@jtbbank.com
Mohammad Fheili
“Over 30 years of Experience in Banking.
mifheili@gmail.com (961) 3 337175
Risk & Capacity Building Specialist.
Trainer in Risk & Compliance
University Lecturer: Economics, Risk, and
Banking Operations
Currently serves in the capacity of an Executive
(AGM) at JTB Bank in Lebanon.
Served as:
Senior Manager & Chief Risk Officer at
Group Fransabank
Senior Manager at BankMed
An Economist at the Association of Banks
in Lebanon
Mohammad received his college education
(undergraduate & graduate) at Louisiana State
University (LSU), and has been teaching
Economics and Finance for over 25 continuous
years at reputable universities in the USA (LSU)
and Lebanon (LAU).
Finally, Mohammad published over 25 articles, of
those many are in refereed Journals (e.g.,
Journal of Money Laundering & Control; Journal
of Operational Risk; Journal of Law &
Economics; etc.) and Bulletins.”