An economic capital model integrating credit and interest rate risk in the banking book

B-Tier
Journal: Journal of Banking & Finance
Year: 2010
Volume: 34
Issue: 4
Pages: 730-742

Authors (2)

Alessandri, Piergiorgio (Banca d'Italia) Drehmann, Mathias (not in RePEc)

Score contribution per author:

1.005 = (α=2.01 / 2 authors) × 1.0x B-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

Banks often measure credit and interest rate risk in the banking book separately and then add the risk measures to determine economic capital. This approach misses complex interactions between the two risk types. We develop a framework where these risks are analysed jointly. Since banking book positions are generally not marked to market, our model is based on book value accounting. Our simulations show that interactions matter, and that ignoring them leads to risk overstatement. The magnitude of the errors depends on the structure of the balance sheet and on the repricing characteristics of assets and liabilities.

Technical Details

RePEc Handle
repec:eee:jbfina:v:34:y:2010:i:4:p:730-742
Journal Field
Finance
Author Count
2
Added to Database
2026-01-24