The FICO Data Privacy Policy explains FICO’s collection and use of cookies. Cookies help us remember your settings to provide you with a better browsing experience; allow us to assess, monitor, and improve the website’s performance; and enable our partners to advertise to you. You may disable the cookies by changing the settings in your browser, and you may tell us not to share your cookie data with third parties. By using this website, you consent to the use of cookies as described in the FICO Data Privacy Policy.
Today the retail banking risk management function has the potential to contribute more value to financial institutions than ever before. Europe is in the vanguard—under regulatory and market pressures, many European banks are now requiring risk managers to take into consideration how much capital is available for lending. At the same time, some are exploring ways to refine and optimize everyday operational decisions to produce higher returns on risk-weighted assets (RoRWA) and equity. These leaders are seeking a greater degree of capital control and efficiency—a potential new source of competitive advantage, even for banks with adequate capital and liquidity in other parts of the world.