Environmental Risk Modelling In Banking

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Environmental Risk Modelling in Banking

Magdalena Zioło
Environmental Risk Modelling in Banking Book PDF

Author : Magdalena Zioło
Publisher : Taylor & Francis
Page : 120 pages
File Size : 45,7 Mb
Release : 2022-12-29
Category : Business & Economics
ISBN : 9781000823264

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Environmental Risk Modelling in Banking by Magdalena Zioło Pdf

Environmental risk directly affects the financial stability of banks since they bear the financial consequences of the loss of liquidity of the entities to which they lend and of the financial penalties imposed resulting from the failure to comply with regulations and for actions taken that are harmful to the natural environment. This book explores the impact of environmental risk on the banking sector and analyzes strategies to mitigate this risk with a special emphasis on the role of modelling. It argues that environmental risk modelling allows banks to estimate the patterns and consequences of environmental risk on their operations, and to take measures within the context of asset and liability management to minimize the likelihood of losses. An important role here is played by the environmental risk modelling methodology as well as the software and mathematical and econometric models used. It examines banks’ responses to macroprudential risk, particularly from the point of view of their adaptation strategies; the mechanisms of its spread; risk management and modelling; and sustainable business models. It introduces the basic concepts, definitions, and regulations concerning this type of risk, within the context of its influence on the banking industry. The book is primarily based on a quantitative and qualitative approach and proposes the delivery of a new methodology of environmental risk management and modelling in the banking sector. As such, it will appeal to researchers, scholars, and students of environmental economics, finance and banking, sociology, law, and political sciences.

Climate Change Risk Management in Banks

Saloni P. Ramakrishna
Climate Change Risk Management in Banks Book PDF

Author : Saloni P. Ramakrishna
Publisher : Walter de Gruyter GmbH & Co KG
Page : 328 pages
File Size : 53,8 Mb
Release : 2023-12-04
Category : Business & Economics
ISBN : 9783110757958

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Climate Change Risk Management in Banks by Saloni P. Ramakrishna Pdf

Banks, like other businesses, endeavor to drive revenue and growth, while deftly managing the risks. Dubbed the next "frontier" in risk management for financial services, climate related risks are the newest and potentially the most challenging set of risks that banks are encountering. On the one hand, banks must show their commitment to becoming net zero and, on the other, help their customers transition to more sustainable operations, all this while managing climate-related financial risks. It is a paradigm shift from how the banking industry has traditionally managed risks as climate change risks are complex. They are multilayered, multidimensional with uncertain climate pathways that impact real economy which in turn influences the financial ecosystem in myriad ways. Climate Change Risk Management in Banks weaves the complete lifecycle of climate risk management from strategy to disclosures, a must-read for academics, banking professionals and other stakeholders interested in understanding and managing climate change risk. It provides much-needed insights, enabling organizations to respond well to these new risks, protect their businesses, mitigate losses and enhance brand value. Saloni Ramakrishna, an acknowledged financial industry practitioner, argues that given the uncertain and volatile climate paths, complex geopolitical patterns, and sustainability challenges, banks and business professionals will benefit from a wholistic approach to managing climate change risks. The book provides a blueprint and a cohesive framework for embracing and maintaining such an approach, in a simple and structured format.

Empirical Modelling of Environmental Risks

Lorena Vinueza-Peter
Empirical Modelling of Environmental Risks Book PDF

Author : Lorena Vinueza-Peter
Publisher : Unknown
Page : 0 pages
File Size : 52,7 Mb
Release : 2005
Category : Capital investments
ISBN : 3832508562

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Empirical Modelling of Environmental Risks by Lorena Vinueza-Peter Pdf

Compared to the banking sector, the insurance industry has shown more interest in incorporating environmental risk assessment to their financial analysis since it has experienced the negative impact of natural events in its financial balances. With the enforcement of environmental regulation credit and investment banks are paying more attention to the risks and opportunities of environment-related aspects. In this doctoral thesis the return distribution of several environmental sensitive securities with different environmental performance of the chemical, oil and alternative energy sectors together with the Dow Jones Sustainability Index have been analyzed in order to assess the financial impact of environment-induced risks. Four aspects have been focused: the modelling of the statistical characteristics of environmental sensitive assets based on stable distributions, the dynamic of environmental risks by means of ARMA-GARCH models, the systematic or unsystematic character of environmental risks and, at the portfolio level, the risk-return structure of environmentally sound funds. Results of this research suggest that the risk profile of polluting firms is extreme leptokurtic in comparison to firms with a higher environmental performance. This characteristic may have important implications for risk management since the risk of securities that exhibit extreme kurtosis is more difficult to diversify. For environmental asset management, screening procedures based on stable distributions show a more realistic risk-return structure and therefore lead to better financial results.

Principles of Green Banking

Suborna Barua
Principles of Green Banking Book PDF

Author : Suborna Barua
Publisher : Walter de Gruyter GmbH & Co KG
Page : 161 pages
File Size : 53,9 Mb
Release : 2020-08-10
Category : Business & Economics
ISBN : 9783110661293

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Principles of Green Banking by Suborna Barua Pdf

Environmental sustainability is perhaps the key societal challenge of our times. Achieving it will require a significant level of financing and investment, and here the role of the banking industry is fundamental. Banks can play a broader and far-reaching role by adopting environmental concerns in their internal and external business operations. Principles of Green Banking is a comprehensive account of the different aspects of green banking and offers theories and principles as well as practical how-to guidelines to adopt green banking practices. This book discusses why green banking is central to achieving sustainable development. It illustrates the evolution of green banking around the world, different types of environmental risks created by firms and how these risks offer threats to sustain ability, and ongoing trends and patterns of green banking practice. Critically, it also presents an outline of the regulatory framework necessary to help the entire banking sector adapt to the change towards green banking. It is a valuable resource for financial sector professionals and scholars in the fields of sustainable finance and banking.

Sustainable Banking

Jan Jaap Bouma,Marcel Jeucken,Leon Klinkers
Sustainable Banking Book PDF

Author : Jan Jaap Bouma,Marcel Jeucken,Leon Klinkers
Publisher : Routledge
Page : 748 pages
File Size : 50,5 Mb
Release : 2017-09-08
Category : Business & Economics
ISBN : 9781351282383

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Sustainable Banking by Jan Jaap Bouma,Marcel Jeucken,Leon Klinkers Pdf

This comprehensive addition to the debate on sustainable development has been produced in order to take a global pulse on how the financial services sector is responding to the growing challenge of shareholder and stakeholder expectations on social and environmental performance. In the opinion of many commentators in this new book, given the intermediary role banks play within economies, their potential contribution toward sustainable development is enormous. Indeed, for banks, the conclusion that corporate sustainability has become an investable concept that increases long-term shareholder value is becoming difficult to deny.To date, banks have been relatively slow to examine their exposure to risk (the environmental and social performance of their clients) and the business opportunities of sustainable development (the products and services they offer). Not before time, Sustainable Banking concludes that this is beginning to change, with both risk and opportunity becoming established elements in banking policies towards environmental sustainability. In addition, banks have now begun to take notice of and address their own environmental performance. Through the use of case studies and detailed analysis, the book examines the environmental policies of banks, the importance of transparency and communication with their stakeholders, environmental and ethical investment funds, current practice by the providers of financial services with regard to environmental risk management and, finally, the key role of government, NGOs and multilateral banks in delivering sustainability.Sustainable banking has not, however, been achieved and nor will it be in the immediate future. As globalisation proceeds apace, Sustainable Banking argues that improvements are necessary in banks' attitudes toward transparency and accountability with regard to their lending policies. In addition, in order to promote best practice, the leading banks need to start measuring their customers' environmental performance in order to persuade polluting clients that minimum compliance to regulations will no longer suffice. The book finds many shining examples in the co-operative, mutual and social sectors for the big players to emulate. Environmental and ethical considerations in such loan portfolios have proven to be profitable and "best-in-class" larger banks are now also reaping benefits.The unprecedented scope of the book has attracted contributors from four continents including Deloitte & Touche, Rabobank, The World Bank, The European Bank for Reconstruction and Development, The United Nations Environment Programme, The World Business Council for Sustainable Development, UBS, Henderson Investors, KPMG, The World Resources Institute and SAM Sustainability.

Environmental Finance

Rodney R. White,Sonia Labatt
Environmental Finance Book PDF

Author : Rodney R. White,Sonia Labatt
Publisher : John Wiley & Sons
Page : 384 pages
File Size : 43,6 Mb
Release : 2003-04-07
Category : Business & Economics
ISBN : 9780471447382

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Environmental Finance by Rodney R. White,Sonia Labatt Pdf

An engaging and comprehensive look at the intersection of financial innovation and the environment This unique book provides readers with a comprehensive look at the new markets being created to help companies manage environmental risks, including weather derivatives, catastrophe bonds, and emission trading permits. Filled with real-world case studies and timely advice, Environmental Finance contains corporate strategies that financial service professionals as well as their clients must understand in order to proactively improve a company's environmental performance.

Sustainability and Financial Risks

Marco Migliorelli,Philippe Dessertine
Sustainability and Financial Risks Book PDF

Author : Marco Migliorelli,Philippe Dessertine
Publisher : Springer Nature
Page : 143 pages
File Size : 40,5 Mb
Release : 2020-09-17
Category : Business & Economics
ISBN : 9783030545307

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Sustainability and Financial Risks by Marco Migliorelli,Philippe Dessertine Pdf

Despite growing discussions on the relationship between sustainability and finance, so far little attention has been given to the relation linking sustainability-related risks and financial risks. Climate change, environmental degradation and social inequality, among others factors, may indeed have considerable adverse impacts on financial actors and markets, and even have the potential to harm financial stability. Shedding light on the importance of the nexus between sustainability and financial risks, this book addresses the need for new industry and policy approaches. With insights from a skilled set of scholars in the finance field, this edited collection explores the effects of climate risks on the banking and insurance industries, the problem of stranded assets, the possible corporate risk management frameworks that could be used to control sustainability-related risks, the role of non-financial disclosure in fostering market discipline, and the policy actions needed to integrate sustainability considerations into prudential supervision. Tackling an interdisciplinary topic, this book will appeal to academics and practitioners within the finance, business and sustainability fields.

Environmental Risk Management and Corporate Lending

Phil Case
Environmental Risk Management and Corporate Lending Book PDF

Author : Phil Case
Publisher : Elsevier
Page : 304 pages
File Size : 43,8 Mb
Release : 1999-08-26
Category : Business & Economics
ISBN : 9781845691912

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Environmental Risk Management and Corporate Lending by Phil Case Pdf

Environmental issues have never been so high on the agenda of governments and companies around the world. From being seen as a fringe discipline, environmental risk management has established its central importance for the future not only of the environment itself but also of the individual organisation. Until now, however, there has been no book devoted to the implications of environmental risk for banks and other financial institutions involved in corporate lending. Phil Case's timely book provides a much-needed blueprint for the management of environmental risk in this crucial area and should be essential reading for all those involved in corporate lending internationally.

Environmental Modeling and Health Risk Analysis (Acts/Risk)

Mustafa Aral ARAL
Environmental Modeling and Health Risk Analysis Acts Risk Book PDF

Author : Mustafa Aral ARAL
Publisher : Springer Science & Business Media
Page : 478 pages
File Size : 52,8 Mb
Release : 2010-07-28
Category : Technology & Engineering
ISBN : 9789048186082

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Environmental Modeling and Health Risk Analysis (Acts/Risk) by Mustafa Aral ARAL Pdf

Environmental Modeling and Health Risk Analysis (ACTS/RISK) The purpose of this book is to provide the reader with an integrated perspective on several ?elds. First, it discusses the ?elds of environmental modeling in general and multimedia (the term “multimedia” is used throughout the text to indicate that environmental transformation and transport processes are discussed in association with three environmental media: air, groundwater and surface water pathways) environmental transformation and transport processes in particular; it also provides a detailed description of numerous mechanistic models that are used in these ?elds. Second, this book presents a review of the topics of exposure and health risk analysis. The Analytical Contaminant Transport Analysis System (ACTS) and Health RISK Analysis (RISK) software tools are an integral part of the book and provide computational platforms for all the models discussed herein. The most recent versions of these two software tools can be downloaded from the publisher’s web site. The author recommends registering the software on the web download page so that users can receive updates about newer versions of the software.

Analyzing Banking Risk (Fourth Edition)

Hennie van Greuning,Sonja Brajovic Bratanovic
Analyzing Banking Risk Fourth Edition Book PDF

Author : Hennie van Greuning,Sonja Brajovic Bratanovic
Publisher : World Bank Publications
Page : 399 pages
File Size : 54,7 Mb
Release : 2020-06-10
Category : Business & Economics
ISBN : 9781464815188

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Analyzing Banking Risk (Fourth Edition) by Hennie van Greuning,Sonja Brajovic Bratanovic Pdf

Analyzing Banking Risk: A Framework for Assessing Corporate Governance and Risk Management provides a comprehensive overview of topics focusing on assessment, analysis, and management of financial risks in banking. The publication emphasizes risk management principles and stresses that key players in the corporate governance process are accountable for managing the different dimensions of financial and other risks. This fourth edition remains faithful to the objectives of the original publication. It covers new business aspects affecting banking risks, such as mobile banking and regulatory changes over the past decade—specifically those related to Basel III capital adequacy concepts—as well as new operational risk management topics such as cybercrime, money laundering, and outsourcing. This publication will be of interest to a wide body of users of bank financial data. The target audience includes the persons responsible for the analysis of banks and for the senior management or organizations directing their efforts. Because the publication provides an overview of the spectrum of corporate governance and risk management, it is not aimed at technical specialists of any particular risk management area. *** Hennie van Greuning was formerly a Senior Adviser in the World Bank’s Treasury Unit and previously worked as a sector manager for financial sector operations in the World Bank. He has been a partner in a major international accounting firm and a controller and head of bank supervision in a central bank. Since retiring from the World Bank, he has chaired audit, ethics, and risk committees in various banks and has been a member of operational risk and asset-liability management committees. Sonja Brajovic Bratanovic was a Lead Financial Sector Specialist at the World Bank, after a career as a senior official in a central bank. With extensive experience in banking sector reforms and financial risk analysis, she led World Bank programs for financial sector reforms, as well as development projects. Since her retirement, she has continued as a senior consultant for World Bank development projects in the financial sector, as well as an advisor for other development institutions.

The Validation of Risk Models

S. Scandizzo
The Validation of Risk Models Book PDF

Author : S. Scandizzo
Publisher : Springer
Page : 242 pages
File Size : 43,8 Mb
Release : 2016-07-01
Category : Business & Economics
ISBN : 9781137436962

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The Validation of Risk Models by S. Scandizzo Pdf

This book is a one-stop-shop reference for risk management practitioners involved in the validation of risk models. It is a comprehensive manual about the tools, techniques and processes to be followed, focused on all the models that are relevant in the capital requirements and supervisory review of large international banks.

Operational Risk Modeling in Financial Services

Patrick Naim,Laurent Condamin
Operational Risk Modeling in Financial Services Book PDF

Author : Patrick Naim,Laurent Condamin
Publisher : John Wiley & Sons
Page : 327 pages
File Size : 55,9 Mb
Release : 2019-05-28
Category : Business & Economics
ISBN : 9781119508502

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Operational Risk Modeling in Financial Services by Patrick Naim,Laurent Condamin Pdf

Transform your approach to oprisk modelling with a proven, non-statistical methodology Operational Risk Modeling in Financial Services provides risk professionals with a forward-looking approach to risk modelling, based on structured management judgement over obsolete statistical methods. Proven over a decade’s use in significant banks and financial services firms in Europe and the US, the Exposure, Occurrence, Impact (XOI) method of operational risk modelling played an instrumental role in reshaping their oprisk modelling approaches; in this book, the expert team that developed this methodology offers practical, in-depth guidance on XOI use and applications for a variety of major risks. The Basel Committee has dismissed statistical approaches to risk modelling, leaving regulators and practitioners searching for the next generation of oprisk quantification. The XOI method is ideally suited to fulfil this need, as a calculated, coordinated, consistent approach designed to bridge the gap between risk quantification and risk management. This book details the XOI framework and provides essential guidance for practitioners looking to change the oprisk modelling paradigm. Survey the range of current practices in operational risk analysis and modelling Track recent regulatory trends including capital modelling, stress testing and more Understand the XOI oprisk modelling method, and transition away from statistical approaches Apply XOI to major operational risks, such as disasters, fraud, conduct, legal and cyber risk The financial services industry is in dire need of a new standard — a proven, transformational approach to operational risk that eliminates or mitigates the common issues with traditional approaches. Operational Risk Modeling in Financial Services provides practical, real-world guidance toward a more reliable methodology, shifting the conversation toward the future with a new kind of oprisk modelling.

Assessing the Risk Management Process in the Banking Industry

Letizia Zisa
Assessing the Risk Management Process in the Banking Industry Book PDF

Author : Letizia Zisa
Publisher : GRIN Verlag
Page : 31 pages
File Size : 42,6 Mb
Release : 2011-05-04
Category : Business & Economics
ISBN : 9783640906529

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Assessing the Risk Management Process in the Banking Industry by Letizia Zisa Pdf

Seminar paper from the year 2010 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, Leeds Metropolitan University, course: Risk Management, language: English, abstract: Risk is inevitable within business environments. It is an inherent part of business and public life. Risk covers all aspects of organizational activities, therefore it is included in all management levels. Nowadays, every business faces risks. As competition increases, banks and insurance companies need a fundamental and clear understanding of all the risks they are taking in order to protect every asset of their organisation, such as financial, intellectual and human assets. In an ever changing environment organisations must be prepared to any changes, whether they like it or not, and more importantly, adapt to all those changes that might threaten their business activities. Organisations must be prepared that the uncertainty and the risk of a potential event cannot be eliminated but must be assessed proactively in order to take advantage of it. “Nothing ventured, nothing gained” (Dallas, M.F., 2006, p.37).

Fostering Sustainable Business Models through Financial Markets

Magdalena Ziolo,Elena Escrig-Olmedo,Rodrigo Lozano
Fostering Sustainable Business Models through Financial Markets Book PDF

Author : Magdalena Ziolo,Elena Escrig-Olmedo,Rodrigo Lozano
Publisher : Springer Nature
Page : 183 pages
File Size : 50,9 Mb
Release : 2022-09-01
Category : Science
ISBN : 9783031073984

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Fostering Sustainable Business Models through Financial Markets by Magdalena Ziolo,Elena Escrig-Olmedo,Rodrigo Lozano Pdf

The aim of this volume is to foster more sustainable business models through financial markets. To that end, it is necessary to know the main global challenges facing financial markets and their impact on creating sustainable value in business models of enterprises in the context of sustainable adaptation. The book focuses on assessing the decision criteria adopted by financial markets in the process of transaction risk valuation, in terms of the presence of Environmental, Social, and Governance (ESG) criteria, and by assessing the impact of including these criteria in the risk assessment process by financial markets in business decisions, leading as a consequence to building new value in the form of a sustainable business model. The book presents global ESG risks facing the financial markets, and discusses how ESG risks are managed and monitored, and how financial markets can measure and operationalize extra-financial risks in its assessment process. The book also analyses ESG risk implications and influences on company behavior, and the actions that companies should take considering the ESG assessment requirements of financial markets. Finally, it provides a comprehensive, structured, and systematic view of how financial markets and companies should adapt and improve their business models. The book provides unique challenges for investors, companies, financial markets, and for our society as a whole, advancing traditional risk management approaches to address global risks.

Quantitative Environmental Risk Analysis for Human Health

Robert A. Fjeld,Norman A. Eisenberg,Keith L. Compton
Quantitative Environmental Risk Analysis for Human Health Book PDF

Author : Robert A. Fjeld,Norman A. Eisenberg,Keith L. Compton
Publisher : John Wiley & Sons
Page : 406 pages
File Size : 55,8 Mb
Release : 2007-03-22
Category : Science
ISBN : 9780470096192

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Quantitative Environmental Risk Analysis for Human Health by Robert A. Fjeld,Norman A. Eisenberg,Keith L. Compton Pdf

A COMPREHENSIVE TEXTBOOK AND REFERENCE FOR QUANTITATIVE ENVIRONMENTAL RISK ANALYSIS FOR BOTH CHEMICAL AND RADIOACTIVE CONTAMINANTS Environmental risk analysis is complex and interdisciplinary; this book explains the fundamental concepts and analytical methods in each essential discipline. With an emphasis on concepts and applications of quantitative tools plus coverage of analysis of both chemical and radioactive contaminants, this is a comprehensive resource. After an introduction and an overview of the basics of environmental modeling, the book covers key elements in environmental risk analysis methodology, including: Release assessment and source characterization Migration of contaminants in various media, including surface water, groundwater, the atmosphere, and the food chain Exposure assessment Basic human toxicology and dose-response Risk characterization, including dose-response modeling and analysis Risk management process and methods Risk communication and public participation This reference also relates risk analysis to current environmental laws and regulations. An ideal textbook for graduate students and upper-level undergraduates in various engineering and quantitative science disciplines, especially civil and environmental engineering, it is also a great reference for practitioners in industry, environmental consulting firms, and regulatory agencies.