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Banking systems under strain

Multiple stress points in the global banking sector have highlighted financial stability risks in an environment of higher rates and slowing economic growth. Stay updated with our coverage of recent developments, the implications for monetary policy, and the potential spillovers across the globe through our research and insights.

Banks feel strain of tight financial conditions, subdued growth

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Tighter monetary policies and lower economic growth globally are limiting many banks’ prospects. Even as central banks start to cut rates, banks’ profitability is subsiding on higher funding costs, lower loan growth and reserve buildups. Meanwhile, reduced market liquidity and strained borrower repayment capacity continue to squeeze asset quality, with commercial real estate exposures a growing area of risk. Funding conditions have become more challenging, as central banks drain excess liquidity and customer funds migrate to higher yielding deposits or seek better returns outside banking systems. However, banks’ capital buffers are solid, benefiting from organic capital generation. 

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Key capabilities

01 Understand and monitor bank risk

Moody's

Understand and monitor bank risk

Understand and monitor underlying risk of the banks you do business with by combining powerful decision analytics with fundamental credit analysis. Conduct comprehensive foundational analysis in CreditView with credit risk insights, ratings and sector research from across Moody’s.

Research and analyze banks for counterparty credit risk and portfolio analysis with access to 46,700 banks with detailed financials in BankFocus.

Access accelerated credit insights for 450+ million pre-scored companies in EDF-X and get ahead of credit and default events sooner with the innovative Early Warning Signal.

Learn more
02 Asset liability & balance sheet management

Moody's

Asset liability & balance sheet management

Moody’s integrated platform for balance sheet management is built to meet the evolving risk management and strategic planning functions of financial institutions, with complete solu­tions in asset liability management (ALM), investment portfolio risk analytics, credit-adjust­ed ALM, liquidity, core deposit analysis, budgeting and funds transfer pricing.

Learn more
03 Economic scenario analysis

Moody's

Economic scenario analysis

Moody's economic forecasts and scenarios provide the foundation for stress testing, "what if" analyses, and regulatory compliance, enabling you to evaluate the impact of shocks and differing assumptions on the performance of your portfolios and business. Each scenario is fully documented, updated monthly to reflect the latest economic data and expectations, and supported by a dedicated team of economists. 

Learn more
04 EDF-X: credit risk analysis

Moody's

EDF-X: credit risk analysis

Our new credit risk analysis platform works on two essential elements – first, timely risk measures reflecting all financial and macroeconomic factors and second, alerts to provide answers to key questions like: Which exposures should I worry about? And when should I take action? The combination of accurate data set, global coverage, and intuitive interface is helping our clients avoid potential losses.

Learn more
05 KYC & customer onboarding

Moody's

KYC & customer onboarding

The onboarding process needs to enable better business while ensuring banks fully understand who they do business with. Harnessing our innovative technology and industry expertise, Moody’s automates accurate screening and swift onboarding of customers and third-parties, ensuring speed and volume of onboarding without compromising on risk guidelines and regulatory obligations. We continue our support throughout the customer lifecycle by enabling the perpetual monitoring of counterparty risk across global business networks in near real-time. 

Learn more

Moody's

Understand and monitor bank risk

Understand and monitor underlying risk of the banks you do business with by combining powerful decision analytics with fundamental credit analysis. Conduct comprehensive foundational analysis in CreditView with credit risk insights, ratings and sector research from across Moody’s.

Research and analyze banks for counterparty credit risk and portfolio analysis with access to 46,700 banks with detailed financials in BankFocus.

Access accelerated credit insights for 450+ million pre-scored companies in EDF-X and get ahead of credit and default events sooner with the innovative Early Warning Signal.

Learn more

Moody's

Asset liability & balance sheet management

Moody’s integrated platform for balance sheet management is built to meet the evolving risk management and strategic planning functions of financial institutions, with complete solu­tions in asset liability management (ALM), investment portfolio risk analytics, credit-adjust­ed ALM, liquidity, core deposit analysis, budgeting and funds transfer pricing.

Learn more

Moody's

Economic scenario analysis

Moody's economic forecasts and scenarios provide the foundation for stress testing, "what if" analyses, and regulatory compliance, enabling you to evaluate the impact of shocks and differing assumptions on the performance of your portfolios and business. Each scenario is fully documented, updated monthly to reflect the latest economic data and expectations, and supported by a dedicated team of economists. 

Learn more

Moody's

EDF-X: credit risk analysis

Our new credit risk analysis platform works on two essential elements – first, timely risk measures reflecting all financial and macroeconomic factors and second, alerts to provide answers to key questions like: Which exposures should I worry about? And when should I take action? The combination of accurate data set, global coverage, and intuitive interface is helping our clients avoid potential losses.

Learn more

Moody's

KYC & customer onboarding

The onboarding process needs to enable better business while ensuring banks fully understand who they do business with. Harnessing our innovative technology and industry expertise, Moody’s automates accurate screening and swift onboarding of customers and third-parties, ensuring speed and volume of onboarding without compromising on risk guidelines and regulatory obligations. We continue our support throughout the customer lifecycle by enabling the perpetual monitoring of counterparty risk across global business networks in near real-time. 

Learn more

Upcoming and recent events

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event
London Banking Conference

Topics include UK bank fundamentals, generative AI in banking, private credit dynamics, and the future of UK challenger banks.

On-demand replay
event
Paris Banking Conference

Charting the future of European banking amid evolving risks and digital transformation.

Highlights include a fireside chat with Dominique Laboureix, an analysis of key credit trends among European banks, and a discussion on the impact of digital evolution.

On-demand replay
event
APAC Financial Institutions Summit 2024

Tokyo | Singapore | Hong Kong | Shanghai

October 2-23, 2024 

Register
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