Regulation

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  • The Collateral Damage of Today’s Monetary Policies: Funding Long-Term Liabilities

    The actions of the world’s major central banks over the last three years have been focused on short-term economic stimulus and the support of financial institutions with short-term liability funding structures.

    The economic balance sheets of life and pensions sectors have suffered major collateral damage as a consequence of aggressive monetary policies that has driven long-term interest rates to once-in-a-lifetime lows. 

  • Solvency II Schizophrenia

    When it comes to Solvency II, John Hibbert believes that regulators are allowing an extraordinary opportunity to slip away. But, he says, the vision of the whole project may yet be realised if only regulators would grit their teeth and develop a technically sound rulebook instead of just muddling through.

    In his article, John Hibbert examines the fundamental tensions of the current Solvency II framework and sheds light on some of its inerent contradictions.

  • From risk profiling to investment suitability: the building blocks of a best practice investment proposition

    Phil Mowbray explores how we can combine the FSA's latest guidance paper with practical experience to inform best practice for retail investment planning.

    "While it is important to ensure your attitude to risk assessment questionnaire (ATRQ) meets current standards, the client's attitude to risk is only one input into the selection of a suitable investment, not the solution. Simplifying the problem to changing the design of the ATRQ is likely to have only limited impact on customer outcomes."

  • Confessions of an investment banker

    Andrew Barrie reflects on a career waiting for the pensions sector to change its ways. Finally, he thinks, we're almost there.

  • TAS Modelling

    Are these Standards a good thing? Our special report looks at the best practice and compliance issues as well as the benefits of adopting the Standards.

  • Making the most of a principle-based system

    Globally, risk-management rainmakers have embraced principle-based approaches to risk and capital as a best practice to which we should all aspire. But, as with anything else, the beauty of a principle-based risk measurement system lies in the eye of the beholder. To purists, current practices and future intentions may appear to fall short on some of the fundamentals that differentiate a principle-based risk measurement system from the prescriptive approaches that they replace.

  • Proposed regulatory changes by Monetary Authority Singapore

  • ESG Insights - In-house ESG

  • Capital to do what?

  • Principles or Prescription?