Due to a historical lack of attention to the importance of modelling, measuring and managing risk, senior bank leaders are struggling to implement unified practices within their financial institutions that could address the gaps posed by risky management behaviour, rogue trading, liquidity crises, prohibited investments in mortgage-backed securities, and default risks aligned with loans. This book discusses the theories at play between bank agents (bank managers) and their principals (shareholders), a topic which has gained importance as a result of the banking crisis, and similarly, governed the need for more efficient risk management and ethical managerial practices.
The author worked with a senior bank leadership team to identify and describe effective capital regulation practices that can lead to a reduction in loss and risky management behavioural practices. The book offers consensus on a number of activities that bank managers can implement to address bank risk. It analyses the relevant factors that determine the necessity for banking regulation and the important role of regulation in managing banking crises. The authors analysis of the important regulatory aspects in developed countries such as the US, offers a useful conceptual framework for creating an adequate banking regulatory environment in developing countries.
This book offers an original contribution to the field of banking that undergraduate, masters, PhD students, academics and researchers can use to gain a deeper understanding of the constructs at play in the banking industry.
Part 1: Mega Banks Significant Losses
Chapter 1: Losses of Mega Banks and Economic Impact
Chapter 2: Bank Managers Practices and Significant Losses
Chapter 3: Risky Management Practices and Principal Theory
Chapter 4: Risky Management Practices and Goal Theory
Chapter 5: OCEG Standards
Part 2: Government Regulations and Compliance Environment
Chapter 6: Dodd-Frank Bill 2010 and Regulatory Environment
Chapter 7: Risk Management Efforts and Excessive Risk Taking
Chapter 8: Governance and Monetary Policy
Chapter 9: CCAR and DFAST Testing
Chapter 10: Bank Managers Failed CCAR and DFAST Efforts
Part 3: Bank Leadership Consensus on Capital Regulation Practices
Chapter 11: Understanding Capital Regulation Challenges
Chapter 12: Risk Appetite, Capital Structure, Stress Test and Governance
Chapter 13: Risky Identification and Communication
Chapter 14: Timely Reporting
Chapter 15: Assurance Functions
Chapter 16: Compliance Analytics
Chapter 17: Comprehensive Risk Management Framework
References
Appendix A: First Round Questionnaire
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