Blogs

Liquid lending – the new WM profit centre
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Liquid lending – the new WM profit centre

Liquid lending – whether you call it Lombard, Securities-based, Non-Purpose – is growing apace. Wealth managers (WMs) are experiencing rapid growth – many at rates exceeding 25% p.a.  As WMs look for high-margin revenue sources, liquid lending has become table stakes and has emerged as the new profit centre – not just for the wealth business but for the bank as a whole.  At Morgan...

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21 May 2018
Pivotal challenges facing CRE today
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Pivotal challenges facing CRE today

Commercial Real Estate is undergoing a period of radical change. “With a historic recession in the rear view mirror, we are now in the fourth longest economic expansion cycle in US history, and caution is warranted” according to the Risk Management Association. Lenders face the challenges of additional regulation, emerging risks from a strengthening economy and higher interest rates. The RMA has identified five challenges...

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09 Mar 2018
The markets are down 4% – and it’s a tranquil day…
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The markets are down 4% – and it’s a tranquil day…

Managing Wealth Lending Through Market Volatility  – with equities wobbling on record highs, market choppiness is likely to be a recurring theme this year. How well equipped are you to deal with increased credit risk noise as the markets continue to swing?   Wealth lenders certainly lose sleep when daily market moves sweep beyond 3% as we have seen recently.  Active monitoring of credit risk...

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08 Feb 2018
Liquidity-as-a-Service – are you stranded at the drive in?
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Liquidity-as-a-Service – are you stranded at the drive in?

Enabling your Wealth Management clients to unlock the liquidity in their portfolios drives customer retention and safeguards profitability – but only when supported by a scalable system that manages credit risk in close to real-time. Digitization is driving the commoditization of traditional wealth management (WM) services, making wealth clients increasingly difficult and costly to serve.  This is impacting negatively on the WM business, forcing wealth...

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03 Jan 2018
Climate strengthens for Securities-Based / Lombard Lending
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Climate strengthens for Securities-Based / Lombard Lending

The World Wealth Report 2017 from Capgemini* paints a picture of a strong and growing wealth community. Market confidence is high with a supporting commitment to current investment strategies. The environment for Securities-Based Lombard Lending (SBL) continues to show strength as equities perform strongly and HNWIs, for whom credit is important, increasingly seek to leverage, rather than terminate, successful investment strategies. American HNWI numbers and wealth...

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16 Nov 2017
Creating an elegant solution for wealth lending
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Creating an elegant solution for wealth lending

Finding an elegant solution is always going to be a greater challenge than merely solving a problem with no regard to speed, usability, integration burden or accessibility. The “elegance-chasers” among us like nothing better than some plain old difficulty – something truly testing.  Mastering complexity to deliver a simple, as opposed to simplified, solution is a deliciously satisfying challenge: resolving complex, dynamic and multi-faceted situations...

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25 Oct 2017
Are you collateral blind?
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Are you collateral blind?

Just like color blindness, collateral blindness affects perception – in this case, the way that collateral is assessed, aggregated, valued and used.  Collateral blindness causes considerable avoidable loss for banks every year. Most banks lack a data model that exposes collateral data in a way that reveals its every nuance and connection.  Trouble is,anything less inevitably results in a superficial understanding of the broader loan...

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30 Jun 2017
I’m a Head of Risk…   you may say I’m a dreamer
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I’m a Head of Risk… you may say I’m a dreamer

What is the Head of Risk’s perfect world?  Masses of data flowing from multiple systems and processes should mean lots of insights, management and control, right?  Why is it that so many Heads of Risk are unable to answer the mission-critical questions that inevitably arise?  At Rockall, we believe that Golden Source collateral data is the building block to making that wish come true and...

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30 Mar 2017
SBL Forum : 26 & 27 April, Charlotte NC
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SBL Forum : 26 & 27 April, Charlotte NC

Join industry leaders at Rockall’s second Securities-Based Lending Forum being held on April 26 & 27 in Charlotte, NC.  SunTrust Bank, FASTNET’s most recent client, is using Rockall’s SBL-in-the-cloud solution to support the rapid growth of their Securities-Based Lending business.  SunTrust Bank has joined our speakers panel, read more below. This informal networking event is a great opportunity to meet with senior banking executives involved in wealth...

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08 Mar 2017
Alternative facts in the world of credit risk…
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Alternative facts in the world of credit risk…

There is no shortage of data and facts when it comes to accounting for credit risk in the banking book, not least in relation to collateral data. The challenge for next generation collateral management – the era of Collateral Intelligence – is the delivery of consistently accurate data and process integrity that fully enable business insights and credit risk management. This True View of collateral...

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22 Feb 2017
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