{"id":1673,"date":"2022-02-02T15:01:36","date_gmt":"2022-02-02T14:01:36","guid":{"rendered":"http:\/\/aurexia.com\/insights\/?p=1673"},"modified":"2022-02-02T15:06:14","modified_gmt":"2022-02-02T14:06:14","slug":"bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer","status":"publish","type":"post","link":"https:\/\/aurexia.com\/insights\/bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer\/","title":{"rendered":"B\u00e2le IV : \u00e0 quoi l&rsquo;industrie bancaire doit se pr\u00e9parer ?"},"content":{"rendered":"\n<p><em>L\u2019\u00e8re de B\u00e2le IV est \u00e0 nos portes avec divers challenges \u00e0 adresser. Parmi ceux-ci, on peut lister&nbsp;:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Sur le volet strat\u00e9gique, la n\u00e9cessit\u00e9 de revoir l\u2019app\u00e9tence au Risk (RAF, RAS, autre) pour maitriser l\u2019augmentation du cout du capital<\/em><\/li><li><em>Sur le volet op\u00e9rationnel, l\u2019exigence d\u2019impl\u00e9menter la m\u00e9thode standard (m\u00eame pour les classes d\u2019actifs \u00e9valu\u00e9s en m\u00e9thode interne afin de calculer l\u2019output floor)<\/em><\/li><li><em>Sur le volet data, la revue de la granularit\u00e9 pour r\u00e9pondre aux nouvelles exigences, ainsi que le renforcement de la gouvernance, du cadre de contr\u00f4le de la qualit\u00e9 et l\u2019am\u00e9lioration de la protection des donn\u00e9es<\/em><\/li><\/ul>\n\n\n\n<p><em>Les impacts IT ne sont pas en reste&nbsp;:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em>Ajustements des mod\u00e8les internes afin d\u2019impl\u00e9menter les nouveaux seuils inputs floor (PD et LGD) et output floors<\/em><\/li><li><em>Suppression des mod\u00e8les internes pour le risque op\u00e9rationnel et certaines classes d\u2019actifs pour le risque de cr\u00e9dit<\/em><\/li><li><em>Adaptation de l\u2019architecture des syst\u00e8mes d\u2019information et des chaines de reporting Risk, Finance, ALM<\/em><\/li><\/ul>\n\n\n\n<p><em>La date initiale de mise en \u0153uvre \u00e9tait pr\u00e9vue \u00e0 janvier 2023\u00a0; cette date devrait \u00eatre vraisemblablement repouss\u00e9e \u00e0 janvier 2025.<\/em><\/p>\n\n\n\n<p><em>N\u2019h\u00e9sitez pas \u00e0 contacter les experts Risk et Finance d\u2019Aurexia pour vous accompagner dans le cadrage de ces travaux et l\u2019analyse des impacts.<\/em><\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-dark-blue-background-color has-background\" href=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/02\/Finalisation-Bale-III-Analyse-Aurexia-Janvier-2022-Teaser.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Cliquez-ici pour t\u00e9l\u00e9charger le Teaser<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00e8re de B\u00e2le IV est \u00e0 nos portes avec divers challenges \u00e0 adresser. Parmi ceux-ci, on peut lister&nbsp;: Sur le&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1672,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[99],"tags":[197,198,177,176],"class_list":["post-1673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulatory","tag-bale-iv","tag-basel-iv","tag-reglementation","tag-regulatory"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>B\u00e2le IV : \u00e0 quoi l&#039;industrie bancaire doit se pr\u00e9parer ? - Aurexia Insights<\/title>\n<meta name=\"description\" content=\"L\u2019\u00e8re de B\u00e2le IV est \u00e0 nos portes avec divers challenges \u00e0 adresser. Parmi ceux-ci, on peut lister : Sur le volet strat\u00e9gique, la n\u00e9cessit\u00e9 de revoir l\u2019app\u00e9tence au Risk (RAF, RAS, autre) pour maitriser l\u2019augmentation du cout du capital. Sur le volet op\u00e9rationnel, l\u2019exigence d\u2019impl\u00e9menter la m\u00e9thode standard (m\u00eame pour les classes d\u2019actifs \u00e9valu\u00e9s en m\u00e9thode interne afin de calculer l\u2019output floor). Sur le volet data, la revue de la granularit\u00e9 pour r\u00e9pondre aux nouvelles exigences, ainsi que le renforcement de la gouvernance, du cadre de contr\u00f4le de la qualit\u00e9 et l\u2019am\u00e9lioration de la protection des donn\u00e9es.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aurexia.com\/insights\/bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u00e2le IV : \u00e0 quoi l&#039;industrie bancaire doit se pr\u00e9parer ? - Aurexia Insights\" \/>\n<meta property=\"og:description\" content=\"L\u2019\u00e8re de B\u00e2le IV est \u00e0 nos portes avec divers challenges \u00e0 adresser. Parmi ceux-ci, on peut lister : Sur le volet strat\u00e9gique, la n\u00e9cessit\u00e9 de revoir l\u2019app\u00e9tence au Risk (RAF, RAS, autre) pour maitriser l\u2019augmentation du cout du capital. Sur le volet op\u00e9rationnel, l\u2019exigence d\u2019impl\u00e9menter la m\u00e9thode standard (m\u00eame pour les classes d\u2019actifs \u00e9valu\u00e9s en m\u00e9thode interne afin de calculer l\u2019output floor). 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Sur le volet data, la revue de la granularit\u00e9 pour r\u00e9pondre aux nouvelles exigences, ainsi que le renforcement de la gouvernance, du cadre de contr\u00f4le de la qualit\u00e9 et l\u2019am\u00e9lioration de la protection des donn\u00e9es.","breadcrumb":{"@id":"https:\/\/aurexia.com\/insights\/bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/aurexia.com\/insights\/bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/aurexia.com\/insights\/bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer\/#primaryimage","url":"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/02\/grey-scaled.jpg","contentUrl":"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2022\/02\/grey-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/aurexia.com\/insights\/bale-iv-a-quoi-lindustrie-bancaire-doit-se-preparer\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/aurexia.com\/insights\/"},{"@type":"ListItem","position":2,"name":"B\u00e2le IV : \u00e0 quoi l&rsquo;industrie bancaire doit se pr\u00e9parer ?"}]},{"@type":"WebSite","@id":"https:\/\/aurexia.com\/insights\/#website","url":"https:\/\/aurexia.com\/insights\/","name":"Aurexia Insights","description":"","publisher":{"@id":"https:\/\/aurexia.com\/insights\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/aurexia.com\/insights\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/aurexia.com\/insights\/#organization","name":"Aurexia Insights","url":"https:\/\/aurexia.com\/insights\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/aurexia.com\/insights\/#\/schema\/logo\/image\/","url":"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2023\/02\/Aurexia-logo-blue.png","contentUrl":"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2023\/02\/Aurexia-logo-blue.png","width":1920,"height":1080,"caption":"Aurexia Insights"},"image":{"@id":"https:\/\/aurexia.com\/insights\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/aurexia.com\/insights\/#\/schema\/person\/2421b8894be908c5db170fd6ea93a56a","name":"Aurexia","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/aurexia.com\/insights\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/db4af531508aa9ac56e8c26094ef7f21c79841ef083476b145e397d3c44e72c7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/db4af531508aa9ac56e8c26094ef7f21c79841ef083476b145e397d3c44e72c7?s=96&d=mm&r=g","caption":"Aurexia"},"url":"https:\/\/aurexia.com\/insights\/author\/sfeddi\/"}]}},"_links":{"self":[{"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/posts\/1673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/comments?post=1673"}],"version-history":[{"count":2,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/posts\/1673\/revisions"}],"predecessor-version":[{"id":1678,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/posts\/1673\/revisions\/1678"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/media\/1672"}],"wp:attachment":[{"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/media?parent=1673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/categories?post=1673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aurexia.com\/insights\/wp-json\/wp\/v2\/tags?post=1673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}