d-fine

Welcome to d-fine: We are growing internationally and so are our followers! We want to provide you with the news that are most relevant to your location and interests, and in the language you prefer. In order to do so, we mark our content visually with stamps and organize it by hashtags.   You might like to follow: - #dfineInternational to only read d-fine posts in English - #dfineNordics to get regular updates from our Nordics office (also in Swedish) -The same goes for #dfineItaly, #dfineUK, #dfineAustria and #dfineSwitzerland.   To focus on specific areas of interest, we invite you to choose and follow: #dfineCompany #dfineImpact #dfineCareers   Just click on any d-fine hashtag on our posts to see similar content – and then click on ”follow” to see regular updates in your feed concerning those topics most relevant to you. You have a question or would like additional hashtags? Feel free to post in the comments!

Studierende aufgepasst! 🎓 Sie wollen neben dem Studium vielfältige Erfahrungen in der operativen Personalarbeit sammeln und dabei das Gelernte direkt „on the job“ anwenden? Perfekt! Zur Verstärkung unserer Personalabteilung suchen wir aktuell zwei Werkstudenten (m/w/d). Als Teil unseres Teams sind Sie unser Alltagsheld bzw. unsere Alltagsheldin, denn Sie unterstützen uns bei allen Aufgaben und Projekten, die unser abwechslungsreiches Arbeitsumfeld mit sich bringt. Es erwarten Sie Einblicke in verschiedene Aufgabenbereiche, erste eigenverantwortliche Tätigkeiten und ein aufgeschlossenes Team. Wir freuen uns auf Ihre Bewerbung inklusive Angabe Ihres gewünschten Beschäftigungszeitraums und der wöchentlichen Stundenanzahl. Alle Infos zu den Stellenausschreibungen befinden sich im ersten Kommentar. ⬇️ #dfine #dfineCareers #JobsOfTheFuture

Die Retail Nxt steht vor der Tür und d-fine freut sich auf einen spannenden Austausch auf der einzigen Anwender-only-Konferenz in Deutschland zum Thema Technologie im Einzelhandel 💡   📅 11 – 12. September 📌 VILCO Kongresszentrum Frankfurt / Rhein-Main   An unserem Stand BO.5 direkt zwischen Catering und "Shop of the Future" heißen wir alle Besucherinnen und Besucher herzlich willkommen.   Unsere Experten Fabian Völz, Frederic Poncza und Alexander Frank freuen sich auf den Austausch über die Vor- und Nachteile maßgeschneiderter Technologien und Ansätze und vieles mehr!   #dfine #dfineImpact #RETAILNXT #Retail #RetailTech #Einzelhandel #ITImEinzelhandel #BusinessConsulting

Bank account management is a pain point for many companies ⚡️ Processes are: 🔹 Non-standardized 🔹 Often still paper-based 🔹 Lengthy Especially for account opening. As an increasing number of banks accept the ISO 20022 formats for electronic bank account management (eBAM) and more vendors of treasury management or payment systems offer eBAM modules, this is an essential building block to increase efficiency. Further measures are the centralization of account management within the company, maintaining a database with the relevant up-to-date legal documents, and the implementation of digital signatures. In his latest whitepaper “Account management digitization via eBAM – Opportunities and relevance for companies”, Dominik Dell provides an overview of the topic. Find the full paper on “Account management digitization via eBAM” in the first comment ⬇️ #dfine #dfineImpact #dfineInternational #eBAM #Payments #ISO20022

Beginning 2025, banks will need to compute their own funds requirement for Operational Risk using the new standardized approach to comply with the revised Capital Requirements Regulation (CRR III). 📈 The Business Indicator mapping proposed by the European Banking Authority (EBA/CP/2024/05) appears straightforward. However, its implementation involves various complexities that have a significant impact on risk-weighted assets (RWA). Examples include:   🔹 The mappings frequently require data beyond the scope of FinRep positions, including data typically not available in accounting systems 🔹 Degrees of freedom to choose between the Accounting Approach and the Prudential Boundary Approach 🔹 Dealing with M&A regarding historical FinRep positions   Banks should therefore verify their ability to accurately compute the components of the Standardized Approach and identify potential RWA drivers. Solutions typically require cross-functional teams, often beyond the risk controlling department to minimize the RWA impact.   Feel free to contact us to discuss best practices and options. 💬 ----- Från och med 2025 kommer bankerna att behöva beräkna sitt kapitalbaskrav för operativ risk med hjälp av den nya schablonmetoden för att uppfylla den reviderade kapitalkravsförordningen (CRR III). 📈 Kartläggningen av verksamhetsindikatorer som föreslås av Europeiska bankmyndigheten (EBA/CP/2024/05) kan verka okomplicerad. Genomförandet av den innebär dock olika komplexiteter som har en betydande inverkan på riskvägda tillgångar (RWA). Exempel på detta är: 🔹 Mappningarna kräver ofta data som ligger utanför omfattningen av FinRep-positioner, inklusive data som vanligtvis inte finns tillgängliga i redovisningssystem 🔹 Frihetsgrader i valet mellan redovisningsmetoden och metoden för tillsynsgränsen 🔹 Hantering av företagsförvärv avseende historiska FinRep-positioner Bankerna bör därför kontrollera sin förmåga att korrekt beräkna komponenterna i schablonmetoden och identifiera potentiella RWA-drivare. Lösningar kräver vanligtvis tvärfunktionella team, ofta utöver riskkontrollavdelningen, för att minimera RWA-påverkan. Kontakta oss gärna för att diskutera bästa praxis och alternativ. 💬 #dfine #dfineNordics #dfineInternational #OpRisk #NFR #CRRIII #RWA #OwnFunds #BusinessIndicator

Bereit für neue Herausforderungen? 🚀 Wir sind fortlaufend auf der Suche nach Verstärkung. Spannende Aufgaben, ein großartiges Team, Benefits und Weiterbildungsmöglichkeiten – das erwartet Sie in unseren Corporate Services! Übersicht zu den offenen Positionen: 🔹 Werkstudent (m/w/d) Personalmarketing 🔹 Zahlenaffiner Werkstudent (m/w/d) Human Resources - Schwerpunkt Compensation & Benefits 🔹 Tender Manager (m/w/d) 🔹 Junior Controller (m/w/d) mit Schwerpunkt Reporting 🔹 Specialist (m/w/d) Corporate Tax / International Tax 🔹 Office Manager / (Junior) Executive Assistant (m/w/d) 🔹 Office Manager (m/w/d) für den Standort Zürich 🔹 HR Specialist (m/w/d) – Global Mobility (Social Security Focus) 🔹 Werkstudent / Praktikant (m/w/d) Human Resources Haben wir Ihr Interesse geweckt? Dann freuen wir uns auf Ihre Bewerbung! Sollte aktuell keine passende Stelle ausgeschrieben sein, können Sie uns Ihre Bewerbungsunterlagen jederzeit initiativ zusenden. Unser Stellenportal erreichen Sie über den ersten Kommentar ⬇️ #dfine #dfineCareers #JobsOfTheFuture

💡 The European Central Bank recently published our working paper on the sensitivity of the realised loss-given-default (LGD) and macroeconomic conditions. This is a joint research work between Áurea Ponte Marques (ECB), Oana-Maria Georgescu (ECB) and d-fine’s credit risk & regulatory expert Benjamin Galow based on data provided by Global Credit Data (special thanks to Nina Brumma).   We study how the realised loss-given-default (LGD) of loans is affected by macroeconomic conditions, using a confidential dataset from Global Credit Data on observed cash flows from defaulted loans.   Key findings:   🔹 Real-estate secured loans show higher sensitivity to macroeconomic conditions compared to unsecured loans, irrespective of the timing of cash flows. 🔹 For real-estate secured loans, the most relevant macroeconomic factors are the unemployment rate and stock returns, followed by house price growth and changes in long-term interest rates. 🔹 For unsecured loans, real GDP growth and stock returns are the most relevant predictors.   In terms of policy implications, our findings are significant for both micro and macroprudential policymakers, as they provide insights into the procyclicality of risk parameters and inform bank capital requirements.   Find the full paper on “Loss-given-default and macroeconomic conditions” in the first comment ⬇️   #dfine #dfineImpact #LossGivenDefault #LGD #CreditRisk #ECB

Wir bringen mehr Farbe in den Arbeitsalltag: Dank des Wandbilds des Graffiti-Künstlers Luca Laurence erstrahlt der Meetingraum des Wiener Büros in neuem Licht. Die Kombination von Altbaucharme und Street Art ist aus unserer Sicht mehr als gelungen! ✨ In der Fotogalerie ist die Entstehung unseres Kunstwerks im Rückwärtsgang zu entdecken ⬇️ #dfine #dfineAustria #StreetArt #Office

CSD 2024 in Frankfurt – d-fine celebrates Pride! 🌈 Around 13,000 participants and 70 parade floats joined this year's CSD in Frankfurt. People of all ages and backgrounds celebrated united to support diversity, inclusion, tolerance and respect, regardless of sexual orientation or gender identity. Of course, our d-fine team was part of that event. 💙 Many thanks to Franziska Bartenwerfer, Charlotte Lueb, Joline Oswald and Anne Pozorski for the organization. And also thanks to everyone who joined us and made the day such a great (team) experience! #dfine #Team #CSDFrankfurt #CSD24 #Diversity #Pride #LGBTQ #LGBTQIA+

We are happy to be selected as a partner of Drive Sweden and being part of their network to foster sustainable transport in Sweden. 🌱 As in other countries, the transport sector is still one of the biggest emitters of CO2 in Sweden. Reducing CO2 emissions from transport is thus crucial to stop climate change. Drive Sweden is aiming at digital solutions to create a more sustainable transport system. With our expertise in digital mobility and transport from projects across Europe, we look forward to contribute to Drive Sweden’s vision. 🤝 #dfine #dfineNordics #dfineInternational #sustainability #mobility #digital #AI   ----- Vi är glada över att bli utvalda som partner till Drive Sweden och vara en del av deras nätverk för att främja hållbara transporter i Sverige. 🌱 Precis som i andra länder är transportsektorn fortfarande en av de största producenter av CO2 i Sverige. Att minska koldioxidutsläppen från transporter är därför avgörande för att stoppa klimatförändringen. Drive Sweden siktar på digitala lösningar för att skapa ett mer hållbart transportsystem. Med vår expertis inom digital mobilitet och transport från projekt över hela Europa ser vi fram emot att bidra till Drive Swedens vision. 🤝 #dfine #dfineNordics #dfineInternational #hållbarhet #mobilitet #digital #AI