Publications
Books
Climate Change Risk Management in Banks: The Next Paradigm provides a comprehensive blueprint for organizations to navigate the next frontier of risk management - the risks from climate change.
In this new paradigm, banks must show their commitment to becoming net-zero and help their customers transition to more sustainable operations, while also managing climate-related financial risks. The book provides a blueprint for organizations to respond effectively, protect their businesses, mitigate losses, and enhance brand value.
This is a must-read for banking professionals, C-Suite officers, academics, and other stakeholders interested in understanding and managing climate change risk.
Available wherever books are sold.
Enterprise Compliance Risk Management: An Essential Toolkit for Banks and Financial Services is a comprehensive narrative on managing compliance and compliance risk that enables value creation for financial services firms.
Compliance risk management is a young, evolving, yet intricate discipline. It occupies center stage owing to the interplay between the ever increasing complexity of financial services and the environmental effort to rein it in. The book examines the various facets of this layered subject.
Go from reactive compliance to proactive strategic compliance, and learn how to weave active compliance into your business model and strategy.
Available wherever books are sold.
Finance Articles
Climate Related Financial Risks - "To Manage it or not is NOT the question - the "HOW to" is
Aug 2024
Finextra
“At the outset I want to make it clear that this article is NOT about Climate Policy, it is not about climate change mitigation or adoption measures, it is not about the differing views geographical or geopolitical on its relevance, it is not about the ideological debates on what each stakeholder must do..." (Read More)
Bankers Beware - All that is green is not gold - A view through the Risk Management Lens
May 2024
Finextra
“Banks are accelerating green lending and investing initiatives as they march towards realizing their net zero goals, partnering with their counterparties to reduce the combined carbon footprint. As I said in my last blog post, here are a few thoughts on “all that is green is not gold”... (Read More)
Talking About Sustainability: What's New in the "Green" Lexicon?
Jan 2024
De Gruyter
“From “green loans” to “green hushing” – environmental discourse is continually expanding with new terms to guide us through a sustainability-oriented world. So, what's the latest in the green lexicon? The climate crisis affects more than our forests, seas, and habitats. It’s changing our vocabulary too... (Read More)
COP Commitments, Climate Finance, and Climate Risk - A Connected Continuum
Jan 2024
Finextra
“The recently concluded COP 28 has, once again, floodlighted the need for focused and positive action to facilitate movement towards a low carbon ecosystem and therefore a sustainable future for all. A crucial decision made at COP 28, as relevant to this article, is the need to reduce Greenhouse Gases by 43% by 2030... (Read More)
Growth of Taxonomies and Climate Risk Management: A Practitioner's View
May 2023
PRMIA - Intelligent Risk
“Banks play a critical role in achieving the goal of carbon neutrality. They have the wherewithal to redirect capital flows towards environment friendly activities. The question really is what qualifies as "sustainabile economic activities"? Taxonomies provide clear indicators in this direction... (Read More)
Growth of Taxonomies and Climate Risk Management: A Practitioner's View
May 2023
PRMIA - Intelligent Risk
“Banks play a critical role in achieving the goal of carbon neutrality. They have the wherewithal to redirect capital flows towards environment friendly activities. The question really is what qualifies as "sustainabile economic activities"? Taxonomies provide clear indicators in this direction... (Read More)
It Takes Two to Tango - Central Banks and Commercial Banks, Partners in Climate Change Management
Apr 2022
Finextra
“There were two primary principles that I touched in my previous blog Climate Change Management - whose job is it anyway. The first is, boundary definitions with clear responsibility/ accountability for the major stake holders and the second, need for smooth collaboration between them..... (Read More)
Climate Change Risk Management - Whose Job Is It Anyway?
Feb 2022
Finextra
“Well, the answer is obvious isn’t it – it is EVERYBODY’s, you would say. There lies the difficulty. One of the first management lessons is to never make any job “everybody’s” as it has two risks inherently.... (Read More)
Managing Liquidity in Covid Times - The Cash Flow Story - A Segmented Approach for the "New Normal"
Jun 2021
Finextra
“Never take your eyes off the cash flow because it is the life blood of business” Richard Branson. I had, in my earlier blogs spoken of margin compression- the P&L story... (Read More)
Profitability Paradigm - Through the Lens of Profitability in Covid times
Sep 2020
Finextra
Is it relevant to talk of profitability during Covid times some might ask? It is and HOW!! Healthy banks are sine qua non to support pandemic induced distressed economy & customers whether it is... (Read More)
Profitability Paradigm : Capital Compression - Balance Sheet Story
Jul 2020
Tracing the evolving banking scenario in and around the pandemic, through the lens of “shrunken transactions” a harbinger in many ways. The intensity of the impact may vary, but both individuals and... (Read More)
Profitability Paradigm : Margin Compression - The P&L Story
Jun 2020
Since the last post, other banker friends joined the conversation of shrunken transactions and the resultant Margin compression. As I said in the first blog, the trigger was a sizeable fall in... (Read More)
Profitability Paradigm: Moving from Business Continuity to protecting Margins to growing P&L
Jun 2020
I have always maintained that at a fundamental level commercial banking, as the name itself suggests, is a business and has the core values and principles of a commercial enterprise - that of Liquidity... (Read More)
Industrialization of Risk and Regulatory Processes in Banking: The way forward
Mar 2019
I had, in my last blog, said “The objective of Industrialization is to drive innovation and efficiency by reengineering the value chain to add measurable value”. In this blog, I take a deeper dive into... (Read More)
Navigating Regulatory demands - Industrialization, a win-win approach
Oct 2018
The word “Industrialization” brings to mind manufacturing Industry, particularly automobile Industry. It was the 1950s, faced with unprecedented change, automobile industry took to Industrialization... (Read More)
AnaCredit - Is it One Regulation or Many? A look at the impact of National Variations.
Aug 2017
It depends on who is answering that question. Really!! It is a single uniform regulation at the ECB (European Central Bank) level with clearly spelt our coverage. To ECB’s credit they have given... (Read More)
AnaCredit - the Nuanced regulation
Apr 2017
I am quite fascinated with the European Central Bank’s (ECB’s) AnaCredit Regulation that came into effect on 18th May 2016 – A regulation that requires granular credit data sets from the national cent... (Read More)
ICAAP - Revolutionary in Spirit and Approach
Jan 2010
ICAAP regulations if implemented in letter and spirit would fundamentally change the way banks plan and strategize their business. As bankers across the world go back to their strategy tables to rework their risk management framework... (Read More)
A Case for Enterprise-Wide Technology for Compliance to KYC Norms and AML Guidelines
July 2008
Money laundering is a global menace that threatens much more than just the global economy. Terrorist financing, the uglier side of illedal use of dirty money, strikes at the very fabric of the common man's existence. The International Monetary Fund (IMF) estimates the amount... (Copy available on request)
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