麦肯锡：风险与复苏-英-104页_5mb

• Resilience for Sustainable, Inclusive Growth:

  • Addresses climate risk, supply chain vulnerabilities, and trade disruptions.
  • Promotes "both/and" approaches for decarbonization and affordability.
  • Highlights Ukrainian business resilience amid war, leveraging purpose and agile operations.
  • Advocates for diverse talent and public-private collaboration.

• Business Building:

  • Focuses on creating new businesses to weather economic uncertainty.
  • Suggests diversification into countercyclical or resource-light ventures.
  • Emphasizes innovation, organic growth, and scaling through novel platforms.

• Risk Talent Management:

  • Addresses skills gaps in risk management through cross-role transitions.
  • Recommends skills-based hiring and retention strategies to combat turnover.
  • Advocates for a "back-office is outdated" mindset to integrate risk functions strategically.

• Climate & Operations Risks:

  • Banks face mounting operational risks, leading to 5x greater share price declines.
  • Digital transformation and scenario planning are critical for resilience.
  • Regulatory frameworks like IRRBB require holistic balance of NII and EVE.

• Digital & Technology Resilience:

  • Resilience involves agile, scalable tech with inherent redundancy.
  • Maturity levels range from basic redundancy to design-by-resilience.
  • Key capabilities include data integrity, behavioral modeling, and advanced analytics.

• Credit Risk Navigation:

  • Requires sophisticated scenario modeling and revised risk limits.
  • Involves forward-looking metrics, prebaked actions, and cross-functional execution.
  • Digital tools and automation support faster decision-making in volatile environments.

• CRO Perspectives:

  • CROs prioritize climate, cyber, and digital risks amid evolving threats.
  • Regulatory demands and digital transformation are reshaping risk functions.
  • Emphasis on right-sizing teams and embedding resilience into strategy.

• Risk Efficiency:

  • Optimizes resource allocation across risk functions (e.g., credit, market, operational).
  • Leverages near/offshoring and automation to enhance effectiveness.
  • Focuses on talent development and cross-functional integration.

Integration: Successful resilience requires embedding sustainability, digital tools, risk efficiency, and talent strategies across all organizational aspects.