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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.