ALM · IRRBB · Governed platform

Why do smart banks keep making catastrophic decisions?

Thirty years of balance-sheet management, six volumes, six tools, one answer: it's never the framework — it's always the person inside it.

Svetlana Kardan

The problem


Treasury failures are almost never caused by a missing model or a weak regulation. They happen because capable people, under time pressure and institutional inertia, reason their way into decisions that look prudent in the room and catastrophic in hindsight. The Psychology of Treasury is about that gap — and how to close it before it closes on you.

Trusted rooms

Where this material is taught

Risk Live EuropeRiskMindsMarcus Evans Risk.netCeFPro

“Testimonial from a senior practitioner — CFO / CRO / Treasurer — to be added.”

— To be confirmed

“Testimonial from a senior practitioner — CFO / CRO / Treasurer — to be added.”

— To be confirmed

The simulations

See the theory move.

Each volume pairs its argument with a browser-based simulation. Move the sliders, run the scenario, watch the trade-off. Free to try — the full, governed versions live on the platform.

Illustrative. These tools demonstrate the mechanics; they are not validated regulatory models.

Teaser: the Balance Sheet Risk Cockpit. The six companion tools live on the volume pages.

Latest thinking

Recent writing & talks

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