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Audio
Rethinking IFRS 9 Through a Risk First Mindset
An insider from Handelsbanken redefines IFRS 9 as more than a compliance exercise. Learn why lifetime credit loss modeling should be the default, how survival methodologies can transform PD estimation, and why risk thinking must start where regulation ends.
May 19, 2025
Jakob Lavröd, Senior Quantitative Risk Analyst, Handelsbanken
Tags:
ALM, Treasury and Liquidity Risk
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
This episode of Risk Leaders Connect highlights the importance of adopting a risk-first mindset when dealing with IFRS 9, rather than treating it as a mere compliance exercise. Jakob Lavrod emphasizes that effective risk management is the core strength of any bank, and institutions should embed risk awareness deeply into their culture instead of viewing regulatory requirements as boxes to tick. By truly understanding and managing credit risk, banks can improve their resilience and decision-making processes.
A central theme is the idea that lifetime probability of default (PD) should be the starting point for credit assessment, not just a stage two requirement. Origination decisions are fundamentally based on
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