Prudent Banking
Advisory

Common sense is essential

Advisory Services

Regulatory application and interpretation

It is easy to get into a situation where you, without reflection, try to obey and comply with all regulatory demands. But there is a need to use common sense and adapt the regulatory expectations to your governance model and organisational structure.

Risk management

An efficient risk management starts with a strong risk culture. The risk culture and the way of managing the risk in all dimensions needs to be understood and accepted by the co-workers and therefore to continuously be explained and promoted by the management team.

Governance and internal control

Trust is everything for a bank. This means that the bank must have an adequate organisational structure and a clear distribution of roles and responsibilities and segregation of duties to ensure that the operations are governed in a suitable and logical way.

Leadership

Anyone seems to agree upon the notion you need to walk as you talk. Persons in managerial positions therefore need to behave in accordance with the company values. But proper and relevant leadership is unfortunately more complex than that.

Interim management

Interim management means that a company hires an external person for a managerial or specialist role for a limited period of time to solve a specific problem, fill a critical vacancy or run a project.

Board assignments

The Board/Supervisory Management sets the tone at the top in the company and has the ultimate responsibility to secure adequate governance and internal control. The Board therefore need to have sufficient insight and understanding of the operational prerequisites and needs.

Prudent Banking

Prudent Banking is a well-established notion in the banking industry and has been used for more than 100 years. Despite that, there is no common and explicit definition of the term as such. The notion is rather to be seen as an umbrella term, which describes an expectation to act carefully and wise and exercising good judgement and thereby become a guarantor of a trustworthy operation.

Leif Nyberg

30 years’ experience from banking business, both as specialist, senior adviser and in managerial positions. He has a background as a lawyer but has spent many years working in the credit area. He has been deputy Chief Credit Officer in Swedbank Group for several years and before that he served as Head of Governance & Framework during a 10-years period.

He is a well-known and reputable name in the banking industry, especially regarding credit governance. He has been spokesperson towards EBA, ECB, Swedish FSA and other authorities for many years and has among other things acted as representative for Swedbank in European Savings Bank Group (ESBG) and Swedish Bankers Association.

He has a broad range of competencies with solid experience in leadership, risk management, strategy and framework development, process efficiency, forward-looking analysis, and digitalisation, He is characterised by high integrity, being engaged in what he does and believe in clarity and straightforwardness.

Learn More About Us

Prudent Banking Advisory