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Regulatory Explainers

Interactive guides to key banking regulations, capital frameworks, and risk concepts — with Irish bank context and worked examples. Built for risk professionals, analysts, and regulators.

Regulatory Capital
Synthetic Risk Transfer (SRT)
Interactive guide to SRT securitisations — how Irish banks transfer credit risk to reduce RWAs. Live calculator included.
Credit Risk
Definition of Default
Interactive guide to CRR Art. 178, EBA GL/2016/07, IRB implications, IFRS 9 accounting, and Irish bank context.
Accounting
IFRS 9 & Expected Credit Loss
Three-stage model, SICR triggers, lifetime ECL provisioning, and Irish bank implementation.
Credit Risk
IRB Model Framework
PD, LGD, EAD estimation, model validation, and ECB targeted review findings for Irish banks.
Market Risk
Interest Rate Risk in the Banking Book (IRRBB)
EVE, NII simulations, outlier tests, and Irish mortgage book sensitivity analysis.
Operational Risk
Operational Risk Capital
Basel III Standardised Approach, loss data collection, scenario analysis, and Irish bank capital requirements.
Counterparty Risk
CSRBB & CVA
Counterparty Credit Risk in the Banking Book, Credit Valuation Adjustment, and exposure measurement for derivatives.
Capital Planning
ICAAP
Internal Capital Adequacy Assessment Process — Pillar 2 requirements, stress testing, and capital planning for Irish banks.
Quantitative Methods
Modelling Techniques
Comprehensive guide to quantitative modelling techniques used in banking — PD/LGD/EAD models, stress testing, scenario analysis, and more.
Digital Finance
FIDA — Financial Data Access
Financial Data Access Regulation (FIDA) framework for open finance, data sharing, and customer-permissioned data access in EU banking.
Podcast
The Explainer Podcast
Audio deep-dives into banking regulation, risk management, and financial analysis. Interviews with regulators, risk professionals, and industry experts.