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SACR—Standard approach to credit risk

By Robin Rantzsch, Dr. Markus Weber, Nicole Nowacka

20/09/2017
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The standard approach to credit risk (SACR) is one of the two possible approaches to determine risk-weighted position amounts. There is also the IRB approach, which is based on internal ratings.

Risk-weighted position

In the SACR, the risk-weighted position is calculated by multiplying the value of the risk position with the defined or determined risk weight. The value of the is the remaining book value of an asset item after specific credit risk adjustments and additional value adjustments.

Risk weight

The risk weight is determined by assigning the risk position to an asset class defined in the CRR. For each of these asset classes, risk weights are provided depending on the assumed default risk. Taking into account external credit assessments, these default risks depend on the respective rating of the counterparty. Blanket risk weights are intended for unrated risk positions.

The standard approach to credit risk is currently undergoing a fundamental revision by the Basel Committee on Banking Supervision (BCBS).

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Robin Rantzsch

Author

Dr. Markus Weber

Manager zeb Hamburg

Nicole Nowacka

Senior Consultant zeb Berlin

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Putting an end to greenwashing accusations – innovative ESG data solutions in the fund industry

09/03/2023

How innovative ESG data solutions provide more transparency in the fund industry.

Malte Huffmann, co-founder and co-CEO of Mondu,

Ten quick questions for Malte Huffmann about the “BNPL” market

06/03/2023

Trends and market potential in the “Buy Now, Pay Later” market 1) Mr. Huffmann, what trend development has Mondu observed

Interview with Günther Froschermeier, founding member of CCV GmbH, about the future of the payment industry

Where is the payments industry heading?

21/02/2023

Interview with Günther Froschermeier, co-founder of CCV GmbH, about competition in the payments industry and the latest developments in payment transactions.

Candidate sourcing

Candidate sourcing in regional banks

15/02/2023

An approach, which recruitment consultancies have been using for a long time and for good reason.

Crypto market crisis boosts opportunities for banks

Crypto market crisis boosts opportunities for banks

14/02/2023

Established financial institutions have good reason to continue their crypto projects. The current crisis in the crypto market is also an opportunity.

Dynamic risk management – revised core model

Dynamic risk management – revised core model

09/02/2023

Dynamic Risk Management (DRM) is a standard currently under development to reflect interest rate risk management measures in financial reporting.

Liquidity management: modeling cash flows for variable bank products

Liquidity management – a comparison of approaches to modeling cash flows for variable bank products

08/02/2023

Regulatory requirements merely provide the framework – the institution-specific implementation can be based on different modeling approaches.

Shortage of skilled workers in banks and insurance companies

Shortage of skilled workers – an existential threat to banks and insurance companies

31/01/2023

Skilled workers will be in short supply in Germany in the future. One in 14 positions will be unfilled in about seven years.

Banking environment: 2023: challenging times ahead

New banking environment 2023: challenging times ahead

30/01/2023

zeb.market.flash Q4 2022 (Issue 42 – January 2023): Essential value drivers in banking

AI Liability

AI Liability Directive: reversing the burden of proof?

25/01/2023

What do the new rules mean for financial institutions? To what extent will the new AI Liability Directive affect the already highly regulated financial industry – also in Germany?

Cost management evolution

Cost management evolution

24/01/2023

New models for cost governance in the context of market evolution, new competitive forces and regulatory requirements.

A management introduction to MLOps

23/01/2023

With MLOps, IT managers can ensure that efficiencies are gained when moving from pilot to scale.

André Höck is Head of ESG Integration at EB-SIM

Impact investing: challenges and opportunities

10/01/2023

Interview with André Höck, Head of ESG Integration at EB – Sustainable Investment Management GmbH, a subsidiary of Evangelische Bank, about the opportunities, risks and challenges of impact investing.

after the interest rate turnaround

Regional banks after the interest rate turnaround – seizing opportunities, avoiding risks

09/01/2023

Challenges of the interest rate turnaround require cross-divisional cooperation.

Luminous Christmas tree: a look back at the banking industry’s year 2022

BankingHub: a look back at the banking industry’s year 2022

16/12/2022

Year nine of the BankingHub is rapidly drawing to a close. We’ve picked out some of the key topics published on the BankingHub over the course of the year.

Futuristic technology tunnel: Intelligent automation of real estate finance

Intelligent automation of real estate finance: possibilities of RPA and AI

15/12/2022

Document processing using the example of real estate finance.

Carbon accounting: Managing financed GHG emissions

Carbon accounting: Managing financed GHG emissions

24/11/2022

The EU is facing a massive transformation of the real and the financial economy due to climate change. Operational and regulatory relevance of carbon accounting.

Rebirth of the deposit business for banks in Europe

Rebirth of the deposit business: is a “battle for deposits” looming?

14/11/2022

zeb.market.flash Q2 2022 (Issue 42 – November 2022): Banks’ strong performance fuels hope for upcoming quarters

Tomas Nascisonis, CEO of Crypto House Capital

Crypto House Capital – revolutionizing the crypto market with virtual real estate

10/11/2022

Mr. Nascisonis, CEO of Crypto House Capital, about the metaverse, the opportunities for virtual real estate projects and the impact of the recent downtrend of the crypto market.

Derivative pricing and risk management with neural networks

Derivative pricing and risk management with neural networks

02/11/2022

Currently, the main models used for derivative pricing are based on arithmetical models. Their weakness, however, is their performance. Derivative valuation using machine learning may be the future in several areas of financial institutions.

Cerative competition for students: Sustainable banking of tommorrow

Creative competition for students: sustainable banking of tomorrow

31/10/2022

The BankingHub is looking for you as a student with creative talent! Post your content on the BankingHub and win great prizes!

Interview with Till Keller about SME foreign payments

Challenges for SMEs in international payments – can FinTechs help?

26/10/2022

Interview with Till Keller, Managing Director FX Sales – Germany, Switzerland, Austria at Ebury, on the current challenges in foreign payments and related solutions.

Tobias Seidl, co-founder of STOKR

Alternative asset classes in the form of security tokens

25/10/2022

Interview with Tobias Seidl, co-founder of STOKR.

EU taxonomy: special challenges for automotive banks

EU taxonomy: special challenges for automotive banks

18/10/2022

When is an investment classified as taxonomy-aligned? The business of automotive banks against the background of the EU taxonomy.

Leadership in times of change

Leadership in times of (cultural) change: Four principles

12/10/2022

Leadership has to be different now. But how exactly?

Jörg Howein, Chief Platform Officer at Solaris

Brave new banking world: the future of embedded finance

11/10/2022

After relaunching our BankingHub website, we spoke to Jörg Howein, the initiator of the BankingHub platform, about current developments and trends in the banking sector.

Data lakehouse: the next logical step in data management?

Data lakehouse: the next logical step in data management?

10/10/2022

Assessment of the data lakehouse concept for financial services providers.

Mr. Frank Breuss, CEO of Nikulipe

Local Payment Methods for Fast-Growing and Emerging Markets

06/10/2022

Mr. Frank Breuss (CEO of Nikulipe) about the provision of local payment methods in Fast-growing and Emerging markets, the growth potential in the e-commerce business and new technologies in payments.

Amari Groß / Founder of Goldie Tech

How Goldie Tech aims to simplify access to the gold market for bank customers

27/09/2022

We talked to Amari Groß, the founder of Goldie Tech, about how the fintech start-up attempts to revolutionize the gold market through its white-label solution for banks.

Crowdfunding: Legal framework

ECSP – a new legal framework for crowdfunding

22/09/2022

Crowdfunding will be standardized across the EU with the introduction of a Regulation on European Crowdfunding Service Providers (ECSP).

Dr. Stefan Steib, founder of fincraft

How finCraft helps stock market beginners manage their own finances

21/09/2022

“Manage your financial future yourself” – that’s the order of the day according to Dr. Stefan Steib, founder of finCraft. How finCraft helps stock market beginners manage their own finances.

Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.

Venture capital in the crypto-market – Web 3.0 doesn’t come out of nowhere

13/09/2022

Interview with Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.

DLT pilot regime: starting signal for the capital market of tomorrow?

DLT pilot regime: starting signal for the capital market of tomorrow?

25/08/2022

The goal of the DLT pilot regime is to create a new and innovation-friendly regulation: Challenges & opportunities.

AI is becoming more important for building societies

AI is becoming more important for building societies – study results

24/08/2022

In 2021, for the second time since 2019, zeb conducted a study on the use of AI in the building society sector. The results show that AI has clearly gained in importance and initial implementation projects have been launched.

Soaring interest rates in turbulent times

Soaring interest rates in turbulent times

28/07/2022

zeb.market.flash Q2 2022 (Issue 41 – July 2022): It is official: The era of zero interest rate levels seems to be over, but banks are currently not dealing with an isolated and gradual rate increase.

Machine learning: When prediction becomes unpredictable

Machine learning: When prediction becomes unpredictable

27/07/2022

How secure and explainable machine learning can open up new potential for financial institutions.

MiCAR: the regulatory framework for crypto assets has been fleshed out

MiCAR: the regulatory framework for crypto assets has been fleshed out

25/07/2022

The EC published its digital finance strategy on September 24, 2020. Its key element is the proposal for a Regulation on Markets in Crypto-assets (abbreviated as MiCAR). Is MiCAR a real game changer for the crypto industry?

AI applications: BaFin’s regulatory requirements

BaFin’s regulatory requirements for AI applications

22/06/2022

Supervisors focus attention on AI Banks must follow suit – BaFin defines minimum requirements for use of AI The purpose

Internal segment accountingin regional banks

Four hypotheses on the future of internal segment accounting in regional banks

13/06/2022

Four hypotheses on the future of internal segment accounting in regional banks. Management impulses and conclusion.

eWpG: Crypto securities registry services

eWpG: Crypto securities registry services – opportunities & obligations

01/06/2022

How fast are crypto securities growing in Germany? What are the benefits and obligations? Find our answers.

Unconscious bias: diversity concerns us all

Unconscious bias: diversity concerns us all

25/05/2022

Why should we address unconscious biases? Answers and anti-bias strategies.

ESMA’s Sustainable Finance Roadmap

ESMA’s Sustainable Finance Roadmap

24/05/2022

Sustainable finance is an integral part of the real economy and the financial markets. Read how the Sustainable Finance Roadmap helps in the fight against greenwashing!

Decentralized finance: meaning for financial services providers

DeFi is eating finance: what does decentralized finance mean for financial services providers?

18/05/2022

We talked with Mirco Recksiek about DeFi. Decentralized finance has the potential to change the world of finance permanently.

Equity crowdfunding

Equity crowdfunding – what one person can’t do, can be achieved by many

16/05/2022

“VR-Crowd” – from an innovative idea to an established equity crowdfunding platform.

Request to Pay: automated processing of invoices with SEPA

Request to Pay: automated processing of invoices with SEPA

12/05/2022

What does Request to Pay mean? And how is the savings potential through end-to-end automation with R2P?

Agile requirements prioritization

Agile requirements prioritization – who comes first?

10/05/2022

Approaches to prioritizing different business requirements for financial service providers’ IT.

Say goodbye to Goldilocks economy

Say goodbye to the Goldilocks economy

20/04/2022

zeb.market.flash Q1 2022 (Issue 40 – April 2022): Post-war economic perspectives and impact on banks.

Banking for Gen Z: Interview with pockid

Banking for Gen Z – quo vadis pockid?

11/04/2022

How can we win over Generation Z to financial products? Interview with Jes Hennig, co-founder and CEO at pockid.

Daniel Schreieber in iInterview about conversational banking

Conversational banking study – chatbots and voicebots from a customer perspective

07/04/2022

Interview with Daniel Scheiber, Group Head of Conversational & AI at CREALOGIX

Asset management: Operating models

Operating models in asset management – ensuring future readiness

06/04/2022

Find the best-fitting operating model in order to ensure future readiness in the Asset Management industry!

Jens Holezcek in interview about German banking industry's position on the digital euro

What is the German banking industry committee’s position on the digital euro?

04/04/2022

Jens Holeczek, representing the Volksbanken and Raiffeisenbanken, gives us answers on the topic of the digital euro.

ESG reporting: challenges and opportunities

ESG reporting: challenges and opportunities for financial institutions

28/03/2022

Focus on sustainability risk reporting

Customer interaction via chatbots

Business process automation via chatbots

23/03/2022

Interview with Ulf Loetschert of LoyJoy about the opportunities presented by chatbots, from lead generation to the future potential in the coming years.

Design in banking

Design in banking – just an expensive accessory or a key to success?

17/03/2022

FinTechs & challenger banks rely on design in banking in their strategic positioning. Does this success factor also apply for traditional players?

Chatbots and voicebots

Chatbot Clara Wäller at Westerwald Bank – a success story

16/03/2022

How can processes in the customer service center be automated and accelerated using chatbots? Insights into the potential of chatbots in the banking sector.

Diversity in German banks: Gender diversity

Diversity in German banks: Shocking figures for gender diversity on the management boards

11/03/2022

It’s not about political correctness nor about feminism – it’s all about economic success

EU taxonomy: sustainable or not?

The EU taxonomy: sustainable or not? That’s the question

01/03/2022

The EU taxonomy for sustainable investments is the key basis for assessing the sustainability of economic activities and is relevant for several other EU regulations.

Financing business successions as new revenue streams

Corporate banking – financing business successions as new revenue streams

23/02/2022

Business successions as a source of income for regional banks.

Digital assets for regional banks: opportunities & challenges

Digital assets – opportunities and challenges for regional banks

16/02/2022

The high demand from retail customers for digital assets and cryptocurrencies is proving to be a challenge for regional banks!

Interview with Thomas Elm about product design and customer experience

Design before aesthetics: Focus on customer experience

07/02/2022

Interview with Thomas Elm, Managing Director at UI/UX provider Goodpatch in Germany

Credit business: Digital credit events 2021

Digital credit events 2021

03/02/2022

A global perspective on key events: We analyzed and evaluated credit events from more than 45 countries on five continents over the course of 2021.

Digital customer interaction: Digital Assistants (chatbots and voicebots) as a strategic asset

Digital customer interaction as a strategic asset

01/02/2022

Benefits of modern customer interaction for banks’ business model.

Blue particle data making the shape of glowing network as metaphor for the transformation study 2022

Transformation study 2022 (zeb)

18/01/2022

Characteristics of a successful corporate culture and levers for its establishment.

Green investment challenge for banks

The green investment challenge for banks

13/01/2022

zeb.market.flash Q4 2021 (Issue 39 – January 2022): The green investment challenge.

EPI – Euopean payment initiative

EPI – a take on the European payment initiative

02/12/2021

In parallel with discussions among the members of the EPI interim company, we sat down and developed five theses around the rise (and possible fall) of EPI.

Martin Wallmann from Clearwater Analytics in interview about SaaS

Software-as-a-Service (SaaS) in financial services

24/11/2021

Interview with Martin Wallmann from Clearwater Analytics.

Payment Summit 2021 event in Hamburg

Payment Summit 2021: Payments – the bartender of the e-commerce party

08/11/2021

A report from the Payment Summit 2021 in Hamburg.

Central banks’ answer to the crypto boom / Bottom-up view modern skyscraper

Central banks’ own answer to the crypto boom

19/10/2021

zeb.market flash Q3 2021 (Issue 38 – October 2021): Money, money, money? – Central banks’ own answer to the crypto boom

ESG market – green Tunnel: A step forward for banks

The ESG market potential

05/10/2021

Embracing the green revolution: A step forward for banks to embrace the green revolution.

Trader using mobile phone app as metaphor for f"Robinhood IPO – progressive democratization of the financial market"

Robinhood IPO – progressive democratization of the financial market

30/09/2021

Interview with Karl im Brahm, CEO of Avaloq Sourcing AG and Head of Germany of the Avaloq Group

Business analysis stock graph backtest in crisis covid-19 for investment in stockmarket and finance business planning selective stock for Stockmarket crash and Financial crisis as metaphor for the article "Liquidity study 2020 – importance of liquidity risk management"

Liquidity study 2020 – developments in liquidity risk management

20/09/2021

The regulatory developments of the past years highlight the huge importance of liquidity risk management and the associated challenges.

Economic graph as metaphor for regional banks in the wake of COVID19

Regional banks in the wake of COVID19 – how to raise income from the securities business

16/09/2021

Fields of action and measures for boosting income from the securities business.

Cty of Luxembourg: Retail Banking Market Study

Luxembourg Retail Banking Market Study

14/09/2021

Results of the study on the Luxembourg retail banking market.

windturbines as metaphor for sustainability in corporate banking

Sustainability in corporate banking

02/09/2021

From wallflower to integral strategy component: Perspectives and considerations for long-term success in corporate banking

BNPL – buy now, pay later on computer display

BNPL – buy now, pay later

01/09/2021

How consumer credit is evolving in the 21st century

looking at banks’ price-to-book (P/B) ratios and the development of global banks’ market valuation

What drives banks’ price-to-book (P/B) ratios? The balance sheet – what else!

27/08/2021

Key drivers and the impact of changing market trends

Server Network digital assets: Services in Swiss financial institutions

Digital assets – Launch of services in Swiss financial institutions

19/08/2021

Rapid market development: what options do institutions have to position themselves in the market?

Umwelt-Technologie-Konzept als Metapher für den Artikel "The state of sustainable investment funds in Europe"

The state of sustainable investment funds in Europe

21/07/2021

Key growth levers and market challenges.

Tablet screen shows currency rate as metaphor for the article "Digital assets – capturing the attention of institutional investors"

Digital assets – capturing the attention of institutional investors

15/07/2021

Digital assets: where are they heading? Our key findings and market survey results.

Competition in Chess game is a competition game in business as metaphor for the article "Will banks no longer play a role in the payment market?"

Will banks no longer play a role in the payment market?

14/07/2021

Future payment market: Why it is crucial that banks position themselves strategically in the payment market – and what options they have to do so

Young woman looking over the City of London as metaphor for the article "Banking sector 2021 – promising first half"

Banking sector 2021 – promising first half

12/07/2021

TLTRO – a welcome booster for profits and growth?

Two happy female friends with laptop and credit card as metaphor for the article "Payments – Made in Germany "Payments – Made in Germany"

Payments – Made in Germany 2.0

07/07/2021

Interview with Ralf Gladis, Founder and Managing Director of Computop

Investment strategies and process isometric as metaphor for "Five years of IRRBB – a status quo assessment for interest rate risk management"

Five years of IRRBB – a status quo assessment for interest rate risk management

22/06/2021

Interest Rate Risk Study 2020: Current implementation status of IRRBB requirements and challenges.

Technologieprozesse als Metapher für den Artikel "Payments back office automation regarding customer experience"

Payments: back office automation regarding customer experience

02/06/2021

The payments industry is facing high cost pressure and the economic recession. A complete reshuffle of banking operations becomes inevitable.

Shot of businesspeople turning ideals into deals as a metaphor for the article "Mergers & acquisitions of fintechs"

Mergers & acquisitions of fintechs

12/05/2021

Market overview and current challenges.

Looking directly up at the skyline as metaphor for "Inflation on the horizon – bank stocks are rallying"

Inflation on the horizon – bank stocks are rallying

15/04/2021

Inflation and increasing interest rates: big comeback or just a dream? zeb.market flash Q1 2021 (Issue 36 – April 2021)

Cityscape with abstract light trail as metaphor for "BIRD 5.0 – Opportunity for FinTechs and neobanks"

BIRD 5.0 – Opportunity for FinTechs and neobanks?

14/04/2021

With Revolut, we took a fresh look at the BIRD initiative – Banks Integrated Reporting Dictionary – in terms of potential benefits.

Young women holding smartphone as metaphor for the article about "Mobile banking in Italy"

Mobile banking in Italy

31/03/2021

Current situation and levers to excel

Composite image of trees on buildings in city as metaphor for ESG-investing on the rise

ESG-investing on the rise: implications

22/03/2021

How ESG will impact asset managers’ value chain

Market concept on screen as metaphor for "Effectively managing non-financial risks (NFRs) in an integrated manner and leveraging synergies"

Effectively managing non-financial risks (NFR) in an integrated manner and leveraging synergies

19/03/2021

An integrated and consistent framework is the key to effectively managing non-financial risks

Green view between skysrapers as metaphor for "Disclosure Regulation EU 2019/2088"

Disclosure Regulation EU 2019/2088

17/03/2021

The Disclosure Regulation EU 2019/2088 urges financial market participants and financial advisors to update their disclosed product information on sustainability issues.

Man paying contactless as metaphor for "Future of Payments 2021–trend

Future of Payments—trends in payment markets

25/02/2021

What’s next in payments 2021? How is the future of payments shaping up? Some trends can be observed…

Woman sitting at desk and working with AI at home as metaphor for "AI for efficient customer communication"

AI for efficient customer communication

15/02/2021

Say goodbye to chaotic communication and stacks of paperwork and learn more about a better fit and reduction of unnecessary letters to customer using AI algorithms.

Hands touching global connection and icon customer networking data exchanges on glitter bright lights colorful background as metaphor for "Omnichannel Management Matters"

Omnichannel Management Matters

11/02/2021

What can be learned from successful pioneers in banking?

bstract cityscape with investment theme background as metaphor for the article "European banks’ upcoming full-year figures"

Closing the book on 2020 – what to expect from European banks’ upcoming full-year figures

21/01/2021

Preview on the status quo analysis of the European Banking Study 2021.

Young Asian businesswoman with protective face mask to protect and prevent from the spread of viruses as metaphor for "The banking sector between hope and fear" in zeb.market flash Q4 2020

The banking sector between hope and fear

13/01/2021

zeb.market flash Q4 2020 (Issue 35 – January 2021): European banks’ capital market performance – a valuation conundrum?

Person using mobile banking as a metaphor for the article "Mobile Banking in Luxemburg"

Mobile banking in Luxembourg

14/12/2020

Room for significant improvement!

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