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Transparency and Disclosure in Banking Organizations Dr. Hala Helmy El Said

Transparency and Disclosure in Banking Organizations Dr. Hala Helmy El Said. What are the benefits of increased disclosure?. Enables a more efficient allocation of capital Reduced risk of market disruptions Reduction in systemic risk Reduces moral hazard faced by supervisors.

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Transparency and Disclosure in Banking Organizations Dr. Hala Helmy El Said

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  1. Transparency and Disclosure in Banking OrganizationsDr. Hala Helmy El Said

  2. What are the benefits of increased disclosure? • Enables a more efficient allocation of capital • Reduced risk of market disruptions • Reduction in systemic risk • Reduces moral hazard faced by supervisors

  3. What should banks disclose? • Financial performance • Risk management strategies and practices • Accounting policies • Basic business, management and corporate governance information • Board structure • Organizational structure • Remuneration policy • Related party transactions

  4. Does disclosure necessarily achieve transparency?

  5. Disclosure Should be: • Comprehensive • Relevant and timely • Reliable • Comparable • Material

  6. Conclusion Rules, regulations, laws, concepts, structures, processes, best practices, and the most progressive use of technology cannot ensure transparency and accountability. This can only come about when individuals of integrity are trying to ‘do the right thing, not just what is convenient or even what is permissible. What matters in the end are the actions of people, not simply their words.

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