UniversalOwner provides a pragmatic solution for risk transfer pricing. Free of unnecessary overhead and out-dated ALM models, the solution focuses directly on the two major drivers of contingency cost for a bank: credit risk capital charges and liquidity buffers consisting of low-yield cash-like assets.
The article describes in detail why the stress testing applied at many financial institutions is just a placebo and how UniversalOwner helps to correct that...
This article explains why the quantitative risk management approaches applied widely today no longer work in their core and how universalowner.com solves this problem...