Counterparty Credit Risk (CCR) after the ECB’s 2025 CCR-ES: What EU Banks Must Do—And When
1. Context In August 2025 the ECB released results of its Counterparty Credit Risk Exploratory Scenario (CCR-ES), run alongside the 2025 EBA stress test. It’s exploratory (no direct capital impact), but the qualitative outcomes feed supervisory dialogue/SREP—i.e., expect follow-ups with your JST and expectations to rise across modelling, governance, and NBFI practices Who was in […]
CRD6 and Third-Country Branches
1. Context In the context of banking and financial regulation in the European Union (EU), a Third-Country Branch (TCB) refers to a branch of a bank that is headquartered outside the EU/EEA but operates within the EU through a local branch rather than a subsidiary. According to the European Banking Authority’s latest update from November […]
Automation of the Expected Credit loss (ECL) and Pricing tools for a Development Finance institution (DFI)
Automation of the Expected Credit loss (ECL) and Pricing tools for a Development Finance institution (DFI) Overview Overview A leading Development Finance Institution (DFI) engaged Aspect Advisory to enhance its Expected Credit Loss (ECL) models, risk-based pricing capabilities, and IFRS 9 reporting. The institution required a modernized, automated approach to ECL calculations and risk-based pricing, […]
Automation of Enterprise Risk Management Framework(ETR)-A News event triggered dashboard
Automation of Enterprise Risk Management Framework (ETR) – A news event triggered dashboard Overview Overview In today’s rapidly evolving financial landscape, external events such as social, economic, and political developments can have profound impacts on financial institutions. To proactively mitigate risks, a large Development Finance Institution (DFI) sought to enhance its Enterprise Risk Management (ERM) […]
Inaugural Sustainability Report Preparation for Star Scientific
Inaugural Sustainability Report Preparation for Star Scientific Overview Overview Star Scientific, a pioneering hydrogen research and development company, engaged Aspect Advisory to prepare its inaugural Sustainability Report in alignment with the newly introduced European Sustainability Reporting Standards (ESRS). The primary goal was to ensure a transparent, accurate, and compliant report despite the inherent challenges of […]
Essential Qualities in a Candidate
Prof. Dr Christian Schmaltz, Managing Director of Aspect Advisory talks on how employee performance is measured at Aspect Advisory.
The Big eBook of Sustainability Reporting Frameworks
1. Introduction In today’s business environment, sustainability reporting has become a critical component for organisations aiming to demonstrate their commitment to environmental, social, and governance (ESG) principles. A diverse range of stakeholders, including investors, customers, regulators, and non-governmental organisations (NGOs), increasingly demand transparency and accountability. Investors seek detailed ESG information to make informed decisions and […]
Measuring Employee Performance
Prof. Dr Christian Schmaltz, Managing Director of Aspect Advisory talks on how employee performance is measured at Aspect Advisory.
Automation of Risk Management Data Import, Calculation and Reporting/Dashboarding
Automation of Risk Management Data Import, Calculation and Reporting/Dashboarding for an International Development Bank (IDB) Overview Overview Aspect Advisory was engaged by an international development bank (IDB) to automate core components of its central risk management processes. This included the automation of data flows, liquidity portfolio and ALCO reports, and the Expected Credit Loss (ECL) […]
Financial Software Solutions
1. Introduction In today’s rapidly evolving financial landscape, the demand for comprehensive and effective financial software solutions is on the rise. With increasing complexities in risk management, data-driven analytics, and the need for advanced predictive models, businesses across industries are in search of reliable and innovative tools to optimise their financial processes. According to Gitnux […]