{"product_id":"strategic-management-of-profitability-in-banking-from-an-asset-and-liability-view-9783111328164","title":"Strategic Management of Profitability in Banking from an Asset and Liability View","description":"\u003cp\u003eCan a bank be both profitable and fragile at the same time? The uncomfortable answer is yes.\u003c\/p\u003e \u003cp\u003eBanks do not fail simply because they take risks. They fail when those risks are mispriced, under-compensated, and allowed to accumulate over time.\u003c\/p\u003e \u003cp\u003eThis book introduces Pricing Gap as a new analytical framework that moves beyond the traditional accounting view of banking. It argues that asset and liability management (ALM) should not be a passive control function, but a proactive engine at the heart of balance-sheet strategy. With a common methodology linking supervision, stress testing and strategic planning, Pricing Gap offers a powerful new lens through which to understand the resilience of banks.\u003c\/p\u003e \u003cp\u003eThrough its discussion of fund transfer pricing, the book reveals the hidden gap between the prices embedded in a bank’s balance sheet and the risk-based prices required to sustain its business model over time. From this gap emerge two decisive concepts for modern banking: sustainability and viability.\u003c\/p\u003e \u003cp\u003eCombining insights from banking crises, capital regulation, macroprudential policy, business model analysis, stress testing and strategic planning, this book challenges a central assumption of today’s regulatory debate: more capital alone is not enough. Without sound pricing, capital can absorb losses, but it cannot prevent fragility.\u003c\/p\u003e","brand":"Antonio Mota Pizarro","offers":[{"title":"Default Title","offer_id":49006214709499,"sku":"9783111328164","price":82.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0779\/3917\/9771\/files\/CoreSourceHub_b14d19ff-1cb0-4649-b3f0-1c1c9ca4b9bf.jpg?v=1782345405","url":"https:\/\/indiepubs.com\/products\/strategic-management-of-profitability-in-banking-from-an-asset-and-liability-view-9783111328164","provider":"IndiePubs","version":"1.0","type":"link"}