At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.
Our expert, committed team put our shared values into action – every day. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.
We are a digital transformation and technology partner of choice for industry-leading organizations worldwide.
At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.
Banking / WHITE PAPER
Nidhi Samdani
Senior Business Consultant, CFO Strategic Initiatives, Banking, Financial Services, and Insurance, TCS
You have these already downloaded
We have sent you a copy of the report to your email again.
Ensuring accurate RWA calculation for effective capital adequacy in banks
The COVID-19 crisis has resulted in increased loan loss provisions and risk-weighted assets (RWA) for financial institutions. This has led to falling returns and capital ratios in turn affecting capital adequacy in banks. To better manage the impact on capital, banks will need to improve decision making in areas like liquidity, asset-liability management, and capital planning while also exploring various avenues to augment capital.
RWA optimization is one way to free up capital and ease the burden of capital management in banks. However, banks face challenges in ensuring accurate RWA calculations due to poor RWA models, data issues, and faulty implementation. Improving the accuracy of RWA calculations has thus become vital for efficient capital management in banks. To achieve this, banks must:
A 4-pillar Framework to Drive AI Investment RoI in BFSI
Enabling Banking Innovation and Cyber Resilience
Model Risk Management: Time to Industrialize
AI Agents: The Next Frontier of Financial Services Transformation