2028 Management Risk Management 
South State Correspondent
APRIL 4, 2024
Secular changes occur over many business cycles, tend to be slow-moving, and are more difficult to manage with business strategy. However, because bank capital has an average expected life of 15 to 20 years, bank managers must gauge and react to secular changes that will impact their business model.
BankUnderground
MARCH 6, 2024
However, in subsequent years, lessons learned from the financial crisis have paved the way for advances in risk management and more cautious lending practices. This is in part because the pre-GFC period was characterised by relaxed lending standards, and excessive leverage levels.
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