GARP Short Logo
SIGN IN
Menu

Credit

ARTICLE

The Hidden Risks of 'Lender Choice': Why Credit Score Competition Challenges Mortgage Markets

Sep 25, 2026 | The Federal Housing Finance Agency’s introduction of "lender choice” – allowing mortgage ...

Data

ARTICLE

Counterintuitive IFRS 9 Results: When Pessimism Leads to Lower Losses

Aug 21, 2026 | Within IFRS 9, banks project (mostly) three trajectories of future losses – the pessimistic, base ...

ARTICLE

Regulators Take Closer Look at Significant Risk Transfers

Aug 14, 2026 | The performance outlook for prime auto-loan securitizations this year is deteriorating, according ...

ARTICLE

When Disaster Risk Becomes a Cost of Living

Jul 31, 2026 | A subtle but consequential shift is underway in American housing finance. Natural catastrophe risk, ...

ARTICLE

Macroeconomic Scenario Building for IFRS 9: The Unemployment-Inflation Relationship Revisited

Jun 12, 2026 | The IFRS 9 accounting standard requires recognition of expected credit losses (ECL) based on ...

Trending Articles

The Hidden Risks of Private Credit – and How to Spot Them

The private credit market has exploded in size and emerged as a vital source of capital for companies overlooked by traditional banks. Yet beneath...

Friday, October 17, 2025

IFRS 9 and Probability of Default: A Web of Confusion

The proper calculation of probability of default is crucial for European banks that need to comply with IRFS 9, the forward-looking financial...

Friday, April 11, 2025

Stress Testing: A Practical Guide

Banks and regulators remain committed to stress testing. What are the different types of tests and approaches, and what elements are necessary to...

Friday, January 31, 2020

Advanced IRB Models Become More Standardized

A European Banking Authority paper outlines how the Internal Ratings Based Approach can be simplified. It proposes very concrete measures to reduce...

Friday, March 20, 2026

ARTICLE

The Lottery Ticket Economy

May 29, 2026 | There comes a point in the life of every risk manager when they learn that tail events matter much ...

Data

ARTICLE

AI Meets Instinct: The Human Relationship Still Defines Real Estate Lending

May 15, 2026 | Artificial intelligence is now a core driver of transformation in financial services, reshaping the ...

ARTICLE

Advanced IRB Models Become More Standardized

Mar 20, 2026 | Since the start of Basel II, the dominant philosophy of rating models was that there are two ...

ARTICLE

Are Credit Risks Lurking in Buy Now Pay Later, Gaming and Prediction Markets?

Mar 13, 2026 | Innovations in lending and investing that have particular appeal to young and less affluent ...

See All


We are a not-for-profit organization and the leading globally recognized membership association for risk managers.

weChat QR code.
red QR code.

•Bylaws •Code of Conduct •Privacy Notice •Terms of Use © 2024 Global Association of Risk Professionals