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21 de maio de 2015

Bank Regulations Increasing Capital Requirements by US$ 2 Trillion in Europe, U.S.

21 de maio de 2015

SAN JOSE, Calif. — May 21, 2015 — FICO has found cumulative capital requirements among banks in Europe and the United States are on pace to increase more than US$ 2 trillion from pre-financial-crisis levels due to new regulations. That finding is included in a report on the global banking sector produced jointly by FICO and Chartis Research.

To receive a copy of the report titled "Leading Practices in Capital Adequacy," go to

The joint study also found Tier 2, Tier 3 and Tier 4 banks are facing greater challenges in embedding compliance processes into their business planning and operations than Tier 1 institutions. Sixty-four percent of firms indicated they are still developing stress-testing policies, and have yet to link stress testing to business planning and setting risk appetite. Overall, more than 60 percent of the 103 financial institutions examined believe stress testing related to new regulations is a "core risk."

"Regulations implemented since the financial crisis, including Basel 3, Dodd-Frank and the Fed’s Comprehensive Capital Analysis and Review, have changed the landscape for banks and introduced new challenges and risks," said Joanne Gaskin, senior director, scores and analytics at FICO. "Our bank clients are seeking assistance in their efforts to increase transparency, strengthen risk management, and find smarter approaches to meeting the heightened capital adequacy requirements."

FICO and Chartis found that, among banks studied, 66 percent of European banks and 83 percent of banks in Asia Pacific said Basel 3 is impacting their capital adequacy methods and practices "to a great extent." While fewer banks in the U.S. felt that way (33 percent), 69 percent of U.S. banks said Dodd-Frank was impacting their capital adequacy methods and practices.

Moreover, 70 percent of the banks studied have implemented policies and rules to separate model development and model validation. This enables an independent review of the design and performance of models used in stress testing for capital adequacy. But even with some positive steps being taken regarding model risk management, fewer than 14 percent of banks studied have implemented more than limited internal audits.

FICO works with many institutions to help them address compliance issues related to model governance, model management, benchmarking and capital allocation. FICO's solutions are designed to inform business strategies and capital management, and help mitigate losses.

"The shifting regulatory environment is forcing financial institutions to take a more strategic and integrated approach to risk management and compliance," said Peyman Mestchian, Managing Partner at Chartis. "However, our research indicates that, despite significant expenditures in these areas, many institutions still have a long way to go. This isn’t easy and it will likely require Board-level involvement at many institutions to fully address all the issues."

Sobre a FICO
A FICO (NYSE: FICO) é uma grande empresa de software analítico que ajuda empresas em mais de 90 países a tomar melhores decisões que levem a níveis mais elevados de crescimento, rentabilidade e satisfação do cliente. O uso inovador que a empresa faz do Big Data e de algoritmos matemáticos para prever o comportamento do consumidor está transformando setores inteiros. A FICO fornece software analítico e ferramentas utilizadas em vários setores para gerenciar riscos, combater a fraude, construir relacionamentos mais rentáveis com os clientes, otimizar operações e cumprir regulamentações governamentais rigorosas. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. As soluções da FICO utilizam padrões de código aberto e computação em nuvem para maximizar a flexibilidade, acelerar a implementação e reduzir os custos. A empresa também ajuda milhões de pessoas a gerenciar sua qualidade de crédito pessoal.

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About Chartis
Chartis is the leading provider of research and analysis on the global market for risk technology. Its goal is to support enterprises as they drive business performance through better risk management, corporate governance and compliance. Chartis helps clients make informed technology and business decisions by providing in-depth analysis and actionable advice on virtually all aspects of risk technology. RiskTech Quadrant® and RiskTech100® are registered trade marks of Chartis Research limited. Chartis Research is authorized and regulated by the Financial Conduct Authority (FCA) for providing investment advice - (

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