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A Date with Destiny: The Importance of Demographics for Risk Modelers

Aug 5, 2022 | “Demography is destiny.” These words, attributed to French philosopher Auguste Comte nearly two ...

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Let’s Get Real: Managing Consumer Credit Risk in a Time of Inflation

Jul 1, 2022 | Consumer credit lenders need to prepare for the impact of inflation and higher interest rates on ...

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Will the Housing Bubble Pop or Fizzle?

Jun 3, 2022 | The Federal Reserve’s sudden pivot towards tightening monetary policy this spring has sent interest ...

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Calibrating Recession Risks

May 6, 2022 | Consumer price inflation is rising at rates we haven’t seen since the early 1980s. The odds of a ...

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2022 Stress Testing Expectations

Mar 4, 2022 | Should stress-testing downturn scenarios developed by regulators take into account potential ...

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

New Definition of Default: Unpacking the EBA Narrative

The European Banking Authority has indicated a strong preference for strict rules regarding default recognition for future COVID-like times when...

Friday, August 22, 2025

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What Time Is It? Practical Considerations for Risk Modelers

Nov 5, 2021 | Lockdown restrictions during the COVID-19 pandemic have given many of us time to reflect on what ...

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Should We Centralize Stress Testing?

Aug 6, 2021 | Nearly every civilization since antiquity has developed the concept of a “trickster.” This god, ...

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Stress Testing in Volatile Times: A Logical Approach

Mar 5, 2021 | How should we handle stress testing when we are already experiencing stress? If the objective is to ...

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Too Much of a ‘Good Thing': How to Manage Government Stimulus Risk

Feb 5, 2021 | Large-scale government interventions like the ones we've experienced recently can provide essential ...

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