https://jonasosmanabdelghafour.com/insights Connecting actuarial science, banking risk, insurance capital and quantitative models with practical executive decisions. en https://jonasosmanabdelghafour.com/insights/marine-war-risk-pricing-methodology https://jonasosmanabdelghafour.com/insights/marine-war-risk-pricing-methodology Fri, 24 Jul 2026 00:00:00 GMT Pricing marine war risk means turning volatile, sparse conflict events into a technical premium. The chain runs from exposure to frequency, severity, accumulation, expenses and capital — with deep uncertainty at every step. https://jonasosmanabdelghafour.com/insights/model-validation-framework-banking-insurance https://jonasosmanabdelghafour.com/insights/model-validation-framework-banking-insurance Fri, 24 Jul 2026 00:00:00 GMT Model validation is the independent check that a model is fit for its decision. This article sets out a practical framework covering conceptual soundness, data, implementation, outcomes, ongoing monitoring and governance. https://jonasosmanabdelghafour.com/insights/irrbb-interest-rate-risk-banking-book https://jonasosmanabdelghafour.com/insights/irrbb-interest-rate-risk-banking-book Fri, 24 Jul 2026 00:00:00 GMT Interest-rate risk in the banking book threatens both earnings and economic value. This article explains the two measurement lenses, the standardised shock framework, behavioural optionality and the link to risk appetite. https://jonasosmanabdelghafour.com/insights/asset-liability-management-earnings-value-liquidity-capital https://jonasosmanabdelghafour.com/insights/asset-liability-management-earnings-value-liquidity-capital Fri, 24 Jul 2026 00:00:00 GMT ALM is the discipline that connects a financial institution's assets and liabilities to its earnings, economic value, liquidity and capital. This article explains the measurement lenses and the decisions they inform. https://jonasosmanabdelghafour.com/insights/insurance-risk-appetite-decision-chain https://jonasosmanabdelghafour.com/insights/insurance-risk-appetite-decision-chain Fri, 24 Jul 2026 00:00:00 GMT Insurance decisions run from expected loss through capital, pricing, underwriting limits and risk appetite. This article traces the full chain and shows where each quantitative output feeds an executive decision. https://jonasosmanabdelghafour.com/insights/modern-actuarial-risk-modelling-executive-decisions https://jonasosmanabdelghafour.com/insights/modern-actuarial-risk-modelling-executive-decisions Fri, 24 Jul 2026 00:00:00 GMT Modern actuarial modelling is no longer a back-office exercise. This article explains how stochastic models, economic scenarios and capital frameworks connect to the executive decisions that shape an insurer's strategy.