Background:

Lending activity has been historically the cornerstone of a bank›s operations, representing both a key revenue driver and a primary channel for facilitating economic growth. Banks extend credit to individuals, businesses, and governments, fostering investment, consumption, and job creation across the economy.

Currently, the financial sector is facing a period of profound regulatory transformation, especially in the area of lending. New and evolving rules and frameworks, such as Basel IV and considerations around ESG factors, are reshaping the way banks manage credit risk, assess profitability, and maintain regulatory compliance. These changes require banks to rethink their lending strategies, particularly in areas like credit activity, capital adequacy, and exposure management.

As banks increasingly navigate these evolving regulations, understanding the balance between fostering credit growth and maintaining robust risk management practices has never been more critical. Stricter capital requirements, more detailed reporting expectations, and rising demands for ESG compliance all necessitate that banks reassess their lending strategies and risk models to meet regulatory standards without sacrificing profitability or competitiveness.

This workshop will provide participants with a deep dive into the challenges and opportunities in lending under the evolving regulatory landscape. Through a comprehensive review of relevant regulatory frameworks and practical applications, attendees will gain valuable insights into how to navigate the increasingly complex environment of credit risk and lending.