A bank as a manufacturer

The risk architect

If you think of what banks do as manufacturing, and compare them with, say, car and computer manufacturers, it quickly becomes clear that banks are actually poor manufacturers. The question is, why and how can they improve? Basel II is certainly going to force banks to review how they create, manage and sell products. The banks that seize the opportunity of Basel II to streamline their processes, and create efficient production environments, are likely to be winners.

How do we know that banks