Capital and Risk Management

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.