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Intensa Sanpaolo

Quali saranno gli effettivi cambiamenti nel Risk Management e quali gli effetti su alcuni tipi di portfolio con l'introduzione dei requisiti previsti da Basilea III?

Durante l'intervista, Paolo Di Biase, Head of International Validation Groupwide di Intesa Sanpaolo,  espone il suo punto di vista  sul nuovo approccio che le banche dovranno assumere nei confronti del Credit Risk Management.

Illustra, inoltre, quali saranno i possibili punti chiave nella pratica business all'interno del nuovo quadro normativo di riferimento.

 

In your opinion, after the introduction of Basel framework, what are the effective changes in banks’ credit risk approach?

I would say that the most important change is the attention paid to capital requirements.

Also the regulator, Bank of Italy, is very focused on these elements.

Capital Requirements are changing, after the introduction of the internal mode validating, and in some portfolio the changes are really important, really big.

You are working at Benchmarking exercise under Basel, can you tell us what are the key point from the work so far? In your opinion, what are the possible effects into business practice?

The most important aspect is about the accuracy, which means that actually we define a benchmarking vs another best practice model developed by Experian and we were able to assert that our  acceptance model was pretty much in line with the benchmark, while on behavioral we had important feedback due to the fact we don’t use the CB actually so the accuracy is good but lower that could have been if we had used the Credit Bureau….and from the business side we had some indication on how to improve our market share

Experian was your partner in this exercise. What is your opinion overall about this cooperation?

The cooperation with Experian goes back to 7/8 years now - we found a partner able to share knowledge and expertise not only in the Italian market but in the European one.  We were able to develop this Benchmarking exercise which is going to be given to Bank of Italy and we found people able to manage all information and data. Experian gave us a big contribution in terms of the interpretation of results and I would say both CB info and consultancy capabilities

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