Capital and Risk
Low inflation environments and diminished capital
resources have forced insurers to focus on the real risk,
capital and return dynamics of their businesses. Regulatory
and governance developments underline the pressure to rethink
the way management make decisions in these areas with most
companies undertaking new initiatives around financial management
policies and processes. The challenge for insurance executives
is to ensure that these costly exercises actually impact the
way their businesses perform rather than become ends in themselves.
Moreda helps clients to bring consistent, practical
approaches around capital and risk to decisions involving
capital allocation, performance assessment and risk management.
Our approach to capital and risk management emphasises risk
as a fundamental aspect of the way that business is conducted,
rather than a symptom that is measured and managed post event.
We help clients to turn round their planning and management
processes such that the risk/return characteristics of their
businesses and investment opportunities become central to
decision making as well as reflect shareholder risk appetitie.