Apr 1, 2018
The term disruptive technology was first attributed Clayton Christensen in his 1997 book The Innovator’s Dilemma in which he differentiates between sustainable innovations (creating value-added products) and disruptive innovations. Disruptive innovations produce...
Mar 1, 2018
As we saw last month, a bank’s equity or capital account acts as a buffer against unforeseen losses. This month we will differentiate between equity capital as an accounting concept and Regulatory Capital which is used to monitor and ensure the health of the banking...
Feb 1, 2018
In this month’s newsletter, we hope to demystify the Financial Services sector in general and the Banking sector specifically. We will begin with a basic overview of the balance sheet items which we will use to help illustrate the concepts involved and the typical...
Dec 1, 2017
Risk governance (pdf)
Nov 1, 2017
FD vs FC Responsibilities (pdf)
Oct 1, 2017
MBO Flowchart (pdf)
