Risk Analysis Service Europe

Institutional Success Depends Upon RAS
In today's volatile banking environment, consistent and insightful information on a bank’s own portfolio is fundamental to survival. However, banking leaders throughout Europe understand that success demands more than astute self-reflection—it requires ongoing benchmarking with competitor banks and ever-changing industry standards.

As the region’s only comprehensive, industry-standard credit risk benchmark, RAS Europe addresses this need from a vantage point that crosses portfolios and borders. With standardised terms and parameters set and defined by a Steering Committee comprised of leading European banks, RAS Europe serves as an independent, member-driven consortium that bridges the gap between institutional and industry-wide credit risk intelligence that drives continuous improvement and competitive advantage.

RAS Data: Behind the Numbers

• RAS Europe is supporting Basel II and Committee of European Banking Supervisors (CEBS) requirements around benchmarking asset portfolios.
• RAS benchmarks key risk parameters required for a Basel II Advanced Internal Ratings-Based Approach, including PD, LGD, CCF and EL.
• RAS supports all Basel II corporate asset classes including specialised lending, as well as sovereign and bank exposures.
• RAS data can be viewed by loan outstandings, total exposure, currency, new loan volume, number of notes and number of commitments within each market segment—offering opportunities for true market analysis

Who Uses RAS

• Chief Risk Officers
• Chief Credit Officers
• Portfolio Management leads
• Line of Business leads
• Risk analytics, reporting, loan review and audit specialists 

Why RAS?
RAS' success in North America provided the catalyst for its membership growth throughout Europe, where banks immediately recognized the value of examining their performance in relation to competitor banks and the market as a whole. The data extracted from member banks’ lending systems and data warehouses delivers uncommon depth and breadth which facilitates benchmarking analysis.  Tailored to European risk and portfolio management needs, RAS risk analytics offers multi-dimensional comparisons that cross relevant data categories.

RAS Workstation
Member banks access RAS data through a web-based analytical tool—the RAS Workstation. Featuring more than 40 standard report views and almost unlimited querying and customised reporting capabilities, the RAS Workstation offers multiple display methods (tabular, graphic) and also integrates easily with other presentation and analytical tools.

For more information, please contact:

Mark Heaton
Senior Regional Consultant, Europe
The Risk Management Association
27 Old Gloucester Street
London
WC1N 3AX
Tel 44 (0) 1732852225
Mob 44 (0) 7976722851
mheaton@rmahq.org