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IFRS 9, Credit Risk and the Doberman Affect

We are at the eleventh hour, with the onset of IFRS 9 due in less than 9 months. Banks are still fiddling about and debating how to calculate the impact. Some are even using archaic methods to capture true credit risk. Guess what, come the
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IFRS 9 Solutions: did you pay too much for yours?

Now that we are nearing D-Day, and panic has started to set in, we wonder if some of you are tempted to buy familiar named solutions for IFRS 9 and pay too much for what you get. Not only would you expose yourselves to unexpected
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IFRS 9 Module in Credit Risk System (CRS)

Let us call a spade a spade, IFRS 9 is here to stay and it will force all banks to change into the IRB world. This is NOT about calculations, it is a Way of Life; a notion that accountants and non-bank consultant will never
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IFRS 9 and the 64 x Credit Risk

You may not know it, but you will be exposed to close to 64 times the Expected Loss provisions under IFRS 9 than what you are capturing under NPLs today. By all standards, this is a very large increase in provisions, and action needs to
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The Pitfalls of Applying IFRS 9 in Credit Risk

With the finalization of our work on the IFRS 9 module in our Credit Risk System, it has become very apparent that the whole concept of IFRS 9, whilst is a good thing, leaves many questions unanswered. We hope to cover some of these in
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How do TMRACs work in Credit Risk?

Under the Basel and IFRS 9 guidelines, TMRACs will become critical tools to manage the credit risk portfolio on an ongoing basis. However not many banks understand what they are and how they work. I provided some reference to them in an earlier article, and
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The impact of IFRS 9 on Credit Risk – part 2

Over the past 13 years whilst selling our Credit Risk System and our Road to Basel Program, I was talking to bankers who lived mainly in the world of Standardize Methodology, where risk was measured by an excel sheet, where collateral mattered, and where essentially
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Are you ready for IFRS 9 impact on Credit Risk?

This is now the hottest topic amongst credit risk officers: how to comply with the new rules. We already reported on the tsunami of the Basel Accords back in 2004. Now it seems the full effect is being felt.
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Pricing Decisions in Credit Risk Management

In line with the Basel accords, it is imperative that credit risk is balanced by rewards. Without the rewards, credit risk could not be sufficiently covered, and the impact on capital would be detrimental to the bank’s well-being. So how are we to combine the
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Are Saudi companies over-valued? Corporate Finance view

Of the 55 listed Saudi companies chosen for this survey with a total capitalization of SAR 989 million, and by using a simple perpetuity calculation, it seems that their Enterprise Values (EV) reaches only SAR 72 million. In other words, the portfolio was over-valued by
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