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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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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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How significant were Mobily’s accounting errors: Credit Risk

On 3 November 2014, Mobily disclosed financial irregularities in its accounting practices. As a result, its share price dropped 30 percent, and its CEO was recently suspended. This disclosure also affected the reputation of Etisalat, the UAE telecom operator who owns 27 percent of the
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How to Detect and Manage Fraud in Credit Risk

Fraud plays a role in many aspects of a bank’s credit risk environment; and needs to be detected and managed closely. Following my article on Name Lending, a friend of mine pointed out that in many cases, fraud also plays a role in confusing the
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Providing Officers with Best Practices in selling Credit Risk

There seems to be a missing link between what bank officers try and sell and what good Credit Risk practices require them to sell.
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Being Proactive in Credit Risk Management

Many a banker thinks that being certified as Standardized mode, he or she is allowed to continue to practice banking the same way as has always been done. What bankers fail to realize is that one of the more important tenants of the Basel accords is for them
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Portfolio Risk Rating in Managing Credit Risk

I find it a little odd that with the introduction of the Basel accords, the changes that have taken place in the international banking community, and lessons that should have been learnt from the credit crises, that to this very day, the concept of Portfolio
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Credit Risk issues at your finger tips

Over the recent two months, we have had a large number of signups to our website. Aside from the 5 Mistakes in Credit Application articles, many subscribers checked and read the various articles on Credit Risk which we have published on the site. So I
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How we make Credit Risk decisions

A bank entered into a lending proposition some 8 years back in which it financed the importation of cars. Despite the high collateral security (the cars), the deal was a disaster, with the cars still held by the bank unsold to date. In a more
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The simple methodology used in our Essentials of Accounting online course allows you to understand ...

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This Financial Analysis online course shows you how to assess the company’s business model and its ability ...

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Sigma’s Credit Risk Management online course series are intended to introduce methodologies that makes credit ...

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The Portfolio Risk Rating and Stress Testing online course is designed to help you understand how to create ...

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The Facility Structuring online course shows you, step by step, how to identify both the short-term and long-term ...

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If you’re already analyzing obligors, and generating credit risk ratings for individual clients, this Credit Analysis ...

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