Sheet 07 · The leadership journal
A bank cannot infer funding resilience from customer tenure alone. It needs a view of who can move the money, what might prompt the decision and how quickly the instruction can be executed.
Read the essayOperational resilience becomes a board decision when a rehearsal exposes a choice about authority, investment or customer treatment. A technically successful test can leave those choices untouched.
Read the essayA concentration reduction can be prudent for a bank and difficult for otherwise viable customers. The chief executive should own the transition, including the income forgone and the exceptions retained.
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