The collapse of a bank is often preceded by a series of warning signs. While regulatory oversight and risk management frameworks are designed to prevent bank failures, history has shown that institutions can still face significant financial distress. Understanding the early indicators of trouble can help depositors, investors, and financial professionals assess potential risks before they escalate into a full-scale banking crisis.

In any industry, there will always be individuals who prioritise perception over truth. The real test is whether you allow their influence to dictate your actions or whether you continue to lead with integrity.

When faced with resistance, take a step back and observe. You will notice that the anger displayed by those who attempt to intimidate is rarely genuine—it is a deliberate tactic designed to create pressure and enforce compliance. Yet, as soon as they realise their approach is ineffective, their frustration dissipates just as quickly as it appeared.

Once you recognise this pattern, it becomes clear that their authority is not rooted in real influence, but in the assumption that others will concede to pressure. Those who resort to such tactics often mistake control for leadership, failing to understand that true influence is built on respect, credibility, and integrity—not coercion.

There is no need to fear those who rely on manufactured authority. Their power exists only when it is given to them. The moment you stop responding to their tactics, their ability to dictate outcomes diminishes.

Success is not measured by avoiding difficult conversations or seeking approval from those who expect unquestioning compliance. It is measured by the trust and respect earned through independent thought and principled leadership. No amount of external pressure will change that.

Artificial intelligence (AI) is rapidly reshaping the banking industry, enabling institutions to enhance operational efficiency, strengthen risk management frameworks, and improve customer experiences. From automating routine tasks to optimising complex financial decisions, AI-driven technologies are becoming integral to modern banking strategies.

Stress testing has long been a cornerstone of regulatory oversight in the financial industry, offering a lens through which to evaluate the resilience of banks during times of economic turbulence. However, the recent lawsuit filed by U.S. bank lobby groups against the Federal Reserve sheds light on the growing tension between regulatory intentions and industry perspectives. The case highlights key issues surrounding transparency, the role of capital buffers, and the broader implications for financial stability.

This article delves into the critical aspects of the case and explores its potential implications for global regulatory practices, drawing comparisons with the approach in jurisdictions such as the United Kingdom.

The banking industry is undergoing a profound transformation in 2025, driven by rapid technological advancements, shifting customer expectations, and evolving regulatory landscapes. Staying abreast of these emerging trends is not only beneficial but also increasingly necessary for financial professionals aiming to remain relevant in a competitive environment.

Liquidity risk has been a persistent challenge for financial institutions, but recent banking crises have starkly highlighted its complexities and consequences. From the sudden collapse of Silicon Valley Bank (SVB) to the turbulence at Credit Suisse, these events underscore the importance of robust liquidity management frameworks and the consequences of neglecting them. This article delves into the lessons learned from these crises and how treasury professionals can adopt more prudent approaches to managing liquidity risk.

The banking industry, particularly within the treasury function, is replete with acronyms. These abbreviations simplify communication but can pose a challenge for professionals new to the field or for those transitioning into treasury-related roles. This article aims to clarify the most commonly used acronyms in bank treasury, offering a foundation for understanding how they are applied in day-to-day operations.

In 2024, several regulatory developments reshaped the landscape of banking and treasury management globally. These regulations, aimed at bolstering financial stability, improving risk management, and fostering transparency, have had significant implications for financial institutions. This article delves into the most impactful regulations introduced during the year, providing detailed insights into their purpose, scope, and practical implications for bank treasury functions.

The financial ecosystem is undergoing a transformative shift, with non-banking financial entities (NBFEs) playing an increasingly prominent role. This trend has profound implications for systemic stability, liquidity risk management, and the regulatory landscape. Understanding the dynamics of this growing influence is essential for financial professionals navigating the complexities of modern banking and asset management.

In today’s complex financial landscape, balance sheet optimisation is an increasingly critical area of focus for banking professionals. A bank’s balance sheet represents the culmination of its financial activities and is a vital tool for maintaining profitability, ensuring liquidity, and managing risk. In this article, we will explore the core components of balance sheet optimisation and the strategic practices that institutions can adopt to enhance their performance.

Through ALM, banks manage crucial areas such as interest rate risk, liquidity risk, and capital adequacy to build a resilient balance sheet. ALM’s role is increasingly important, especially with evolving regulatory frameworks and new economic challenges. This guide addresses common questions about ALM, exploring how financial institutions navigate these complexities with strategic approaches to liquidity management, interest rate sensitivity, and behavioural assumptions. The result is a framework that aligns regulatory compliance with sustainable profitability, ensuring institutions remain robust even under challenging economic conditions.

In the intricate world of banking, the treasury function serves as the heartbeat of financial stability, capital management, and liquidity optimisation. It is a critical component that interacts closely with the broader financial markets, shaping and being shaped by them in a dynamic, symbiotic relationship. Understanding this interplay is essential for treasury professionals, as their decisions can significantly impact a bank's profitability and risk profile. This article delves into the relationship between bank treasury functions and financial markets, exploring how market conditions influence treasury decisions and how treasury actions, in turn, can affect market outcomes.

In today's volatile financial environment, effective bank treasury management is essential for ensuring both stability and growth. My latest article delves into the key strategies that banks employ to manage liquidity, interest rate risk, capital, and foreign exchange risk. By striking a balance between risk and return, banks can navigate the complexities of the financial landscape and position themselves for long-term success.

In banking and financial management, the disciplines of capital and liquidity are often discussed in isolation. Capital, with its focus on absorbing losses and maintaining solvency, is typically viewed as a buffer for the long-term viability of an institution. Liquidity, on the other hand, deals with the immediate ability to meet obligations and maintain day-to-day operations. While these areas may seem distinct, managing them together is not just beneficial—it is essential for building resilience in a volatile environment.

Scenario analysis has become a critical tool in the arsenal of treasury management, enabling financial institutions to prepare for unexpected events and navigate through uncertain economic landscapes. The importance of this practice cannot be overstated, particularly in today’s increasingly volatile global economy, where unforeseen events such as economic downturns, market shocks, or geopolitical upheavals can have profound implications for a bank’s financial health.

The landscape of treasury operations is undergoing a profound transformation, driven by the rapid adoption of digital technologies and automation. As financial markets and economic environments grow increasingly complex, the role of the treasury function within organisations has become more critical. Treasury operations, traditionally seen as a back-office function focused on cash management and liquidity, are now at the forefront of strategic financial management. This shift is largely attributable to the integration of advanced technologies such as Artificial Intelligence (AI), blockchain, and automation, which are redefining the efficiency, accuracy, and scope of treasury management.

Stress testing has undergone a significant transformation in the banking industry. Once primarily a regulatory requirement, it has evolved into an essential tool for strategic planning and risk management. This evolution reflects the increasing complexity of the global financial system and the need for banks to not only comply with regulatory standards but also to ensure their resilience in the face of unforeseen challenges. In this article, we will explore the journey of bank stress testing, from its inception as a regulatory measure to its current role as a cornerstone of strategic planning.

Bank treasury management is a crucial element in ensuring the financial stability and operational efficiency of financial institutions. At its core, the role of the treasury is to manage liquidity, funding, and interest rate risks, while optimising the bank’s balance sheet. One of the essential tools in the treasury’s arsenal is behavioural modelling. By anticipating customer behaviour, banks can make informed decisions that help mitigate risks and enhance profitability. This article delves into various behavioural modelling techniques used in bank treasury management, such as prepayment modelling and deposit decay rates, and explores how these models assist banks in managing risks more effectively.