2021-06-21-安永-How_resiliency_in_risk_management_is_the_new_top_priority_for_banks_54页_6mb

报告摘要

11th Annual EY/IIF Global Bank Risk Management Survey: Resilient Banking

The 11th annual EY/IIF Global Bank Risk Management Survey highlights how banks are navigating resilience amidst unprecedented challenges. Key findings include:

Post-COVID Shifts

Risk Priorities: Credit risks dominate immediate concerns, but climate change and cybersecurity are escalating significantly, moving to the forefront of agendas globally. Over half (53%) of CROs view climate risk as a top priority.
Opportunities & Risks: Sustainable finance and technology transformation offer growth potential, but challenges include data gaps, legacy systems, and operational disruptions during remote work. Banks are investing in digital channels, AI/ML, and cloud migration.

Operational & Workforce Challenges

Hybrid Work Models: Transition to remote/hybrid work exposed vulnerabilities in productivity, connectivity, cybersecurity, and employee well-being (44% of U.S. employees report worsened mental health). Maintaining firm culture while integrating new employees virtually is a key challenge.
Operational Resilience: COVID-tested banks' ability to sustain services digitally became critical. Third-party vendor dependencies and crisis coordination with external partners remain concerns.

Regulatory & Geopolitical Landscape

New Regulations: Heightened focus on climate-related financial risks and ESG disclosure requirements. Over 50% of banks expect stricter capital/liquidity rules tied to climate transitions.
Geopolitical Concerns: Key concerns include Russia-Ukraine conflict, China’s global role, cybersecurity escalation, and regulatory arbitrage.

Future Directions

Technology & Innovation: Process automation (88%) and core platform modernization are top digital acceleration areas. Risk management itself must leverage AI/analytics for enhanced decision-making.
Diversity & Culture: Banks faced ESG scrutiny during COVID due to racial/equity disparities. CROs highlight risks in achieving inclusive strategies and sustaining diverse talent retention.

Financial Resilience

Despite strong pre-pandemic capital/liquidity positions, credit risks persist due to uneven economic recovery. Banks balance capital deployment between supporting clients and mitigating losses.

Conclusion

Resilience involves managing existing risks while capturing opportunities in digitalization, sustainable finance, and hybrid work models. Agility, robust ESG governance, and technology integration will define future success.

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