Latest opinions that Amit Agrawal has shared on Finextra

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Amit Agrawal

in transit

Member since

13 Mar 2010

Location

Singapore

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Amit's opinions

Risk Ratios

I thought let us talk about some of the rules and its impact on different regions Basel liquidity rule Covers : Banks worldwide What it does : Requires banks to hold enough cash or assets which can meet all debt coming due within 30 days. Impact : It ensures banks won’t run out of money even during any credit crisis. Thus forcing them to hold more ...

22 November 2014 /regulation Financial Services Regulation

Local compliance in a global business

Financial Institutions (FI) follow different solutions to fulfil compliance requirements. We can divide this into following different models: 1. Option 1 : in-house, in-country This option is will help FI to keep all the compliance functions in-house. Advantages: • It works great when FI has significant presence in the country • Helps to build go

13 September 2014 /regulation /sibos Financial Services Regulation

Intraday Liquidity: Implement Challenges

The management of intraday liquidity – defined by the Committee on Payment and Settlement Systems (CPSS) as “funds that can be assessed during the business day, usually to enable financial institutions to make payments in real time” – is now in the spotlight. Sources of this type of liquidity include central bank reserve balances, liquid assets on...

12 June 2014 /regulation /wholesale Financial Services Regulation

Non Compliance Cost

The current economic crisis has led to much debate in relation to the relative merits of compliance and noncompliance cost of the regulations. The widespread pain caused by the crisis has galvanized regulators around the world to impose far-reaching rules that address and add to the considerably large body of rules already in place. Thus we always...

10 May 2014 /regulation Financial Services Regulation

Hidden Cost of Compliance

Financial Crisis have made the regulator active like never before and resulting in more and more upcoming regulations. This upsurge in the volume and velocity of regulations has unintended consequences significantly impacting established bank’s business models and creating challenges for firms in delivering positive client experiences. The est

04 March 2014 /regulation Financial Services Regulation

Why do RWA differ across countries

Risk Weights Assets (RWA) allocate an amount of capital to the assets held by a financial institution as a function of their risk perception and the origination nature (the higher the perceived risk, the higher the risk weight). RWA are core input in the calculation of a financial institution capital ratio and were first introduced in Basel I Anyw...

23 January 2014 /regulation /wholesale Financial Risk Management

Monitoring Tools for Basel III

One of the advantage of the financial crisis is that banking regulators focus more on liquidity then capital. Hence Basel Committee's focussed in Basel III to strengthen global capital and liquidity regulations with the goal of promoting a more resilient banking sector. It gives the birth of introducing new monitoring tools for liquidity risk. The...

28 November 2013 /regulation Financial Risk Management

Regulatory Reporting : Waterfall or Agile

We all know that we will lot of new regulations coming today and tomorrow. Thus that means financial institutions even need to generate so many new reports also. Thus I feel it will good topic to discuss with so many new reports coming today or tomorrow what is the best approach/methodology we should follow to build them Obvious default choice is ...

19 September 2013 /regulation /wholesale Financial Services Regulation

Basel III : Centralised Reporting Platform

Basel III regulations will change the way bank address, manage risk and finance. The new emphasis on risk management that is inherent in it requires the introduction/evolution of a risk management framework that is as robust as the existing finance management infrastructures. As well as being a regulatory regime, Basel III in many ways provides a ...

02 September 2013 /security /regulation Financial Services Regulation

Bitmessage : Communication from scratch

Bitmessage is a trustless, decentralized peer-to-peer messaging protocol (very similar to Bitcoin). It is a unified system that encrypts every message. It keeps secure the members of the communication: not only is the content of messages protected, but the sender and receiver of those messages is kept secret as well. Advantages of Bitmessage : 1....

15 July 2013 /payments Banking Architecture

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