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      <image:title>Insights - Resolution and Recovery: What the PRA's March 2026 Reforms mean for UK Banks (PS9 to 11/26)</image:title>
      <image:caption>Ravi Patel Vice President Risk &amp; Regulatory Consulting T: +44 (0)7387 972 729 E: ravi.patel@katalysys.com</image:caption>
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      <image:title>Insights - Resolution and Recovery: What the PRA's March 2026 Reforms mean for UK Banks (PS9 to 11/26)</image:title>
      <image:caption>Josh Nowak Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
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      <image:title>Insights - Basel 3.1-compliant Capital Stress Testing (CST) tool</image:title>
      <image:caption>Mahesh Bhat Managing Director k-alm technology solutions T: +44 (0)7917 032 557 E: mahesh.bhat@katalysys.com</image:caption>
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      <image:title>Insights - Basel 3.1-compliant Capital Stress Testing (CST) tool</image:title>
      <image:caption>Ravi Patel Vice President Risk &amp; Regulatory Consulting E: ravi.patel@katalysys.com</image:caption>
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    <lastmod>2026-03-30</lastmod>
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      <image:caption>Owen Selby Vice President Risk &amp; Regulatory Consulting T: +44 (0)778 798 4937 E: owen.selby@katalysys.com</image:caption>
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      <image:title>Insights - PS7/26 – Operational resilience: Operational incident and third-party reporting</image:title>
      <image:caption>Josh Nowak Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
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    <loc>https://www.katalysys.com/insights/pra-modernising-the-liquidity-policy-framework</loc>
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    <lastmod>2026-03-18</lastmod>
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      <image:title>Insights - CP5/26: Modernising the Liquidity Policy Framework</image:title>
      <image:caption>Owen Selby Vice President Risk &amp; Regulatory Consulting T: +44 (0)778 798 4937 E: owen.selby@katalysys.com</image:caption>
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    <image:image>
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      <image:title>Insights - CP5/26: Modernising the Liquidity Policy Framework</image:title>
      <image:caption>Josh Nowak Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
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    <lastmod>2026-02-26</lastmod>
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      <image:title>Insights - Stress Testing the Future: A Small- and Medium-sized Banks' Guide to Climate Scenario Analysis - Climate risk drivers transmit through traditional prudential risk categories, ultimately affecting the bank’s balance sheet and business model.</image:title>
      <image:caption>Climate risk drivers transmit through traditional prudential risk categories, ultimately affecting the bank’s balance sheet and business model.</image:caption>
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      <image:title>Insights - Stress Testing the Future: A Small- and Medium-sized Banks' Guide to Climate Scenario Analysis - Make it stand out</image:title>
      <image:caption>Climate scenario analysis is a continuous cycle, requiring design, modelling, governance review, strategic adjustment, and ongoing monitoring.</image:caption>
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      <image:title>Insights - Stress Testing the Future: A Small- and Medium-sized Banks' Guide to Climate Scenario Analysis - Short- and long-term CSA are mutually reinforcing and should both be integrated.</image:title>
      <image:caption>Short- and long-term CSA are mutually reinforcing and should both be integrated.</image:caption>
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      <image:title>Insights - Stress Testing the Future: A Small- and Medium-sized Banks' Guide to Climate Scenario Analysis - Make it stand out</image:title>
      <image:caption>The roadmap is designed to be proportionate for small and medium-sized firms, while aligning with PRA guidance in SS5/25.</image:caption>
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      <image:title>Insights - Stress Testing the Future: A Small- and Medium-sized Banks' Guide to Climate Scenario Analysis - Josh Nowak</image:title>
      <image:caption>Managing Director, Risk &amp; Regulatory Consulting T: +44 (0)7587 720 988 E: josh.nowak@katalysys.com</image:caption>
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      <image:title>Insights - Stress Testing the Future: A Small- and Medium-sized Banks' Guide to Climate Scenario Analysis - Ravi Patel</image:title>
      <image:caption>Vice President, Risk &amp; Regulatory Consulting T: +44 (0)7387 972 729 E: ravi.patel@katalysys.com</image:caption>
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    <lastmod>2026-01-22</lastmod>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules - Make it stand out</image:title>
      <image:caption>** ‘Template’ is for quantitative information and ‘Table’ is for qualitative information.</image:caption>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules</image:title>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Overview of the final rules - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Credit valuation adjustment and counterparty credit risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – real estate exposures - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – real estate exposures</image:title>
      <image:caption>If the Bank does not hold a first charge, the RW shall be the LTV-based RW multiplied by a factor of 1.25 if the LTV &gt; 50%.</image:caption>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Insights - UK Basel 3.1: Operational risk - standardised approach - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - UK Basel 3.1: Operational risk - standardised approach - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - UK Basel 3.1: Operational risk - standardised approach - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Operational risk - standardised approach - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Operational risk - standardised approach - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - UK Basel 3.1: Operational risk - standardised approach - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-corporate-exposures</loc>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – exposures to corporates - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – exposures to corporates - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-retail-exposures</loc>
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    <lastmod>2026-01-21</lastmod>
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      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – retail exposures - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – retail exposures - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-exposures-to-institutions</loc>
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    <lastmod>2026-01-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205632-Y1KDH8IEG56UEMEBVIZ8/Screenshot+2024-09-20+123041.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – exposures to institutions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205635-MBQ78U8FAXUOCLSSWQMB/Institution.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – exposures to institutions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/uk-basel-31-market-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205846-6CGOIVHWSJA4AUZFE0M9/figure1.PNG</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Figure 1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205850-0FRNNZSTR3IBG77X0QUJ/table3.PNG</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Table 1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205854-GOT2CZ08K57O1WECEG9P/table4.PNG</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Table 2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205858-UU8DBV2YERMNK7TVKJ0F/Figure2.PNG</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Figure 2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205862-5N8ABL8CA7A072OQUIDF/Figure3.PNG</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Figure 3</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205865-2EFPMDPDJP9Z6YJ89MEM/3.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205869-S6PUIRIN180LUO3EPDTE/2.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Market Risk - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-exposures-in-default</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205678-3X5WAUC65KNM7ZY92R5G/1.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – exposures in default - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205683-G7Q9QC2MKHW5N2N9BSQW/2.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – exposures in default - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-reporting-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205756-75E20DU5CKTWOPU73BLJ/1.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205760-ULJFI4J0ZJTBM735W3HU/2.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205764-DMA5YJ0JSB0E9O4RCNQ0/CVA.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205768-ZLHY29Y5S41GTAR8B73K/4.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205773-1N82I9H9JXT1L44DN7ST/Rows.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205777-LP2HIXJZA2IT6SR56VCK/Screenshot+2024-10-01+130254.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205782-I8LKW1F57TKT2YPQ3WU9/Screenshot+2024-10-01+130254.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205785-RW3K9KPBUK3TWQ2Y4XMO/col.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205790-Q5BMYKZYAPLMQKIZOOCH/Ops+1.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205794-XP97IQFVUIM0HS2X3TEA/Ops+2.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205798-QE27SRX2RE308VQAG8N2/Ops+3.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Reporting changes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/small-domestic-deposit-takers-capital-regime</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/3d54e744-c521-4992-8ef7-489a31012a27/Screenshot+2025-11-06+123903.png</image:loc>
      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - PS4/26 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-off-balance-sheet-items</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205692-WB34MSF0ECWXD34JAZAA/Screenshot+2024-10-08+131837.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – off-balance sheet items - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205696-LQFSOIQPW8EJ8YAITHZ3/Screenshot+2024-09-20+101526.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – off-balance sheet items - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205701-NWTH0SBTOIJH2SHMXNA8/Screenshot+2024-09-20+101526.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – off-balance sheet items - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205705-2GRP2ZITV50CUDUJ6AJO/Screenshot+2024-09-20+101526.png</image:loc>
      <image:title>Insights - UK Basel 3.1: Credit risk standardised approach – off-balance sheet items - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/ss425requirementsfornon-systemicbanks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/2c194526-690c-4712-b83c-8331dcaa9b89/Anindya+with+bg.png</image:loc>
      <image:title>Insights - SS 5/25: Approaches to managing climate related risks</image:title>
      <image:caption>Anindya Ghosh-Chowdhury Chief Growth Officer T: +44 (0)7407 679 600 E: anindya.gchowdhury@katalysys.com</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/f2787f66-11b5-4e63-a3bc-a8a7022b6333/Josh+Nowak+MD</image:loc>
      <image:title>Insights - SS 5/25: Approaches to managing climate related risks</image:title>
      <image:caption>Josh Nowak Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/regulatory-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/f2787f66-11b5-4e63-a3bc-a8a7022b6333/KatalysysDec-92.JPG</image:loc>
      <image:title>Insights - PS27/25 – Future banking data review: Deletion of reporting templates - Josh Nowak</image:title>
      <image:caption>Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720 988 E: josh.nowak@katalysys.com</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/bc7c9853-cc8f-4619-a221-1ac1df31bb0d/Katalysys-60.JPG</image:loc>
      <image:title>Insights - PS27/25 – Future banking data review: Deletion of reporting templates - Manish Patidar</image:title>
      <image:caption>Director Risk &amp; Regulatory Consulting T: +44 (0)7766 001 643 E: manish.patidar@katalysys.com</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/managing-climate-related-risks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/2c194526-690c-4712-b83c-8331dcaa9b89/Anindya+with+bg.png</image:loc>
      <image:title>Insights - Evolving Climate Risk Expectations for UK Banks (SS5/25 via PS25/25)</image:title>
      <image:caption>Anindya Gosh-Chowdhury Chief Growth Officer T: +44 (0)7407 679 600 E: anindya.gchowdhury@katalysys.com</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Evolving Climate Risk Expectations for UK Banks (SS5/25 via PS25/25)</image:title>
      <image:caption>Josh Nowak Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
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  </url>
  <url>
    <loc>https://www.katalysys.com/insights/capitalandgrowth</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-11-14</lastmod>
    <image:image>
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      <image:title>Insights - The Capital Constraint: Why UK Banks Struggle to Turn Strength into Growth - Make it stand out</image:title>
      <image:caption>CCyB across jurisdictions</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/2c194526-690c-4712-b83c-8331dcaa9b89/Anindya+with+bg.png</image:loc>
      <image:title>Insights - The Capital Constraint: Why UK Banks Struggle to Turn Strength into Growth</image:title>
    </image:image>
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  <url>
    <loc>https://www.katalysys.com/insights/ps1825</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-30</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-22</lastmod>
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      <image:title>Insights - Basel 3.1 Implementation Guide</image:title>
      <image:caption>Anindya Gosh-Chowdhury Chief Growth Officer T: +44 (0)7407 679 600 E: anindya.gchowdhury@katalysys.com</image:caption>
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      <image:title>Insights - Basel 3.1 Implementation Guide</image:title>
      <image:caption>Josh Nowak Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
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    <loc>https://www.katalysys.com/insights/ukfinancetrainingbasel31</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-12-05</lastmod>
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      <image:caption>Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720 988 E: josh.nowak@katalysys.com</image:caption>
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      <image:caption>Director Risk &amp; Regulatory Consulting T: +44 (0)7766 001 643 E: manish.patidar@katalysys.com</image:caption>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-27</lastmod>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-11-11</lastmod>
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      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Sources: FSB (2024), BCBS (2023), FDIC (2023), OIG (2009), Katalysys calculations</image:caption>
    </image:image>
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    </image:image>
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      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Sources: FSB (2024), BCBS (2023), FDIC (2023), OIG (2009), Katalysys calculations</image:caption>
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      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Sources: FSB (2024), BCBS (2023), FDIC (2023), OIG (2009), Katalysys calculations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/213619ee-b465-4877-90bf-fee65189fe60/lst_chart_5.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Sources: FSB (2024), BCBS (2023), FDIC (2023), OIG (2009), Katalysys calculations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/bb0f95ff-dfdd-4a1c-8126-aeea2f5bb60a/lst_chart_6.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Source: Katalysys calculations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/c2d92d86-f274-4891-8063-97511289011f/lst_7.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Source: Katalysys calculations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1970ac17-192c-4ce3-9e7f-175582d08816/lst_8.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Source: HM Treasury (2009), Zeissler et al (2019), SNB (2024)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/946a9f26-865d-4448-bf19-1120546e6326/lst_chart_9.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Source: Bank of England, Sectoral deposits and Divisia money data</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/ad8fd7d4-23a2-4b1b-a0c2-ef419474f293/lst_10.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Source: FSB (2024)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/7a80cd6d-8dd1-4bc2-ada5-81801a7d03fd/lst_11.png</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be? - Make it stand out</image:title>
      <image:caption>Source: Katalysys calculations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/f2787f66-11b5-4e63-a3bc-a8a7022b6333/KatalysysDec-92.JPG</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be?</image:title>
      <image:caption>Josh Nowak Managing Director, Risk &amp; Regulatory Consulting T: +44 (0)7587 720 988 E: josh.nowak@katalysys.com</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/d6b6d218-295b-419f-8406-bfb262f94f94/Katalysys-144.JPG</image:loc>
      <image:title>Insights - How Severe Should a Liquidity Stress Test Be?</image:title>
      <image:caption>Ravi Patel Vice President, Risk &amp; Regulatory Consulting T: +44 (0)7387 972 729 E: ravi.patel@katalysys.com</image:caption>
    </image:image>
  </url>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:caption>Managing Director Risk &amp; Regulatory Consulting T: +44 (0)7587 720988 E: josh.nowak@katalysys.com</image:caption>
    </image:image>
    <image:image>
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      <image:caption>Manish Patidar Director Regulatory Consulting T: +44 (0)7766 001 643 E: manish.patidar@katalysys.com</image:caption>
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      <image:title>Insights - PS14/25 – Large Exposures Framework - Key changes</image:title>
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      <image:caption>Director Risk &amp; Regulatory Consulting T: +44 (0)7766 001 643 E: manish.patidar@katalysys.com</image:caption>
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      <image:caption>Director Regulatory Consulting</image:caption>
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      <image:caption>Director Regulatory Consulting</image:caption>
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      <image:caption>Managing Director Risk &amp; Regulatory Consulting</image:caption>
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      <image:caption>Director Regulatory Consulting</image:caption>
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    <changefreq>monthly</changefreq>
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      <image:caption>Source: Bank of England and Katalysys calculations</image:caption>
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      <image:caption>Source: Bank of England and Katalysys calculations</image:caption>
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      <image:caption>Source: Bank of England and Katalysys calculations</image:caption>
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      <image:title>Insights - CP8/24 – Restatement and minor amendments to CRR rules relating to the definition of own funds - Make it stand out</image:title>
      <image:caption>CP8/24 - High-level Summary of Proposals</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/cp724-small-domestic-deposit-takers-capital-regime</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-11-06</lastmod>
    <image:image>
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      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - Superseded - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205580-MDXH5AS080VJSDLTPEWE/Screenshot_SDDT.png</image:loc>
      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - Superseded</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205585-SVUAPF2LD4D9OZ0CP60M/SDDT+OP+riks.jpg</image:loc>
      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - Superseded - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - Superseded - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205592-FOILSMU70EDTKD9VGRSN/Phase+1.jpg</image:loc>
      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - Superseded - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Simplified Capital Regime for Small Domestic Deposit Takers (SDDTs) - Superseded - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/insights/basel-3-1-cp-16-22-exposures-to-mdbs</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-16</lastmod>
    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.katalysys.com/insights/uk-basel-3-1-ps924-keychanges</loc>
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    <lastmod>2025-07-16</lastmod>
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  <url>
    <loc>https://www.katalysys.com/insights/recalibration-of-irrbb-shocks-h84z2</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-17</lastmod>
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      <image:title>Insights - Recalibration of IRRBB Shock Scenarios - The table shows the original and recalibrated shock factors, in basis points, for the major currencies Sterling, Euro and US Dollar.</image:title>
    </image:image>
    <image:image>
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      <image:title>Insights - Recalibration of IRRBB Shock Scenarios - Make it stand out</image:title>
      <image:caption>llustrative impacts of proposed changes in shock calibration. Source: Bank of England OIS data and Katalysys calculations</image:caption>
    </image:image>
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  <url>
    <loc>https://www.katalysys.com/insights/2024-icaap-stress-scenarios</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - PRA’s 2024 ICAAP Stress Test Scenarios for Non-Systemic Banks - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/dear-cro-letter-2024-private-equity-financing</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:title>Insights - Dear CRO letter - Thematic review of private equity related financing activities – April 2024 - Make it stand out</image:title>
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  <url>
    <loc>https://www.katalysys.com/insights/dear-ceo-letter-2024-recovery-planning</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Dear CEO Letter - Non-systemic firms’ recovery planning thematic review - 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.katalysys.com/insights/webinar-depositaggregators</loc>
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    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
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  <url>
    <loc>https://www.katalysys.com/insights/solvent-exit-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-18</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/webinar-deposit-aggregators-prudential-risk-management-implications-for-banks</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:title>Insights - Join us at the webinar on 21-Mar-2024 at 10.00 am hosted by UK Finance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/non-maturity-deposits-and-interest-rate-risk-in-the-banking-book</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
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      <image:title>Insights - Non-maturity Deposits and Interest Rate Risk in the Banking Book - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - Non-maturity Deposits and Interest Rate Risk in the Banking Book - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/interest-rate-risk-in-the-banking-book</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205981-JOT19UWYS660C2K3LYXV/Capture1.PNG</image:loc>
      <image:title>Insights - Interest Rate Risk in the Banking Book - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322205986-606CG1SCYMVZ7UIRA2ZO/Capture2.jpg</image:loc>
      <image:title>Insights - Interest Rate Risk in the Banking Book - Credit Spread Risk in the Banking Book (CSRBB) is often considered alongside IRRBB and its associated regulations. CSRBB refers to the risk of variations in spreads – associated with any credit-risky asset or liability – which is explained neither by interest rate movements nor idiosyncratic credit factors. Instead, CSRBB refers to the risk of variations in credit and liquidity risk premia.  As part of the UK IRRBB Rules, the PRA expects banks to monitor and assess their CSRBB.[10] Regulatory guidance on CSRBB is limited and to date the PRA has stated only that it does not intend to prescribe how banks should assess CSRBB.[11] The European Banking Authority’s (EBA) recent IRRBB and CSRBB guidelines (EBA/GL/2022/14) provide more extensive discussion of CSRBB, which banks may take as useful guidance. When approaching CSRBB, a bank should identify its exposures in a proportionate manner, depending on its complexity and the riskiness of its non-trading book positions. Banks could model their CSRBB oversight and governance frameworks on those embedded for IRRBB and follow the measurement methodologies (EVE and earnings-based) for both assessment and reporting.</image:title>
      <image:caption>Source: EBA/GL/2022/14</image:caption>
    </image:image>
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  <url>
    <loc>https://www.katalysys.com/insights/uk-basel-3-1-ps-17-23</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
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  <url>
    <loc>https://www.katalysys.com/insights/ps1523-small-domestic-deposit-takers</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-17</lastmod>
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      <image:title>Insights - Small Domestic Deposit Takers (SDDT) PS15/23</image:title>
      <image:caption>Even though there is a requirement for the Parent Undertaking firm to be an UK entity, subsidiaries of foreign banks may still qualify under the SDDT regime – provided it meets all the other SDDT criteria [including the condition that the Group’s total assets does not exceed £20 billion].</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206003-N1UPIGGXS04FD5KPZZH0/SDDT.png</image:loc>
      <image:title>Insights - Small Domestic Deposit Takers (SDDT) PS15/23</image:title>
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      <image:title>Insights - Small Domestic Deposit Takers (SDDT) PS15/23 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/risk-management-deposits-via-deposit-aggregators</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-17</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - Risk Management – Deposits via Deposit Aggregators - The Trust model considered riskier for the bank, given that there is a single commercial relationship between the bank and the DA.</image:title>
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      <image:title>Insights - Risk Management – Deposits via Deposit Aggregators - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/ps14-23-non-performing-exposures-capital-deduction</loc>
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    <lastmod>2025-07-16</lastmod>
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    <loc>https://www.katalysys.com/insights/cp1023-solvent-exit</loc>
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    <lastmod>2025-08-18</lastmod>
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      <image:title>Insights - Solvent exit planning for non-systemic banks (CP10/23) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.katalysys.com/insights/ss123-model-risk-management</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:title>Insights - Implementing Model Risk Management Principles (SS1/23) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Implementing Model Risk Management Principles (SS1/23) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Implementing Model Risk Management Principles (SS1/23) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.katalysys.com/insights/svb-and-risk-management-in-the-current-climate</loc>
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    <lastmod>2025-07-17</lastmod>
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    <loc>https://www.katalysys.com/insights/cp-6-23-proposed-reporting-changes</loc>
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    <lastmod>2025-07-16</lastmod>
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    <loc>https://www.katalysys.com/insights/simpler-regime-firm-cp16-22-updates</loc>
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    <lastmod>2025-07-16</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.katalysys.com/insights/katalysys-iso-certification</loc>
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    <lastmod>2025-07-16</lastmod>
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    <loc>https://www.katalysys.com/insights/the-pra-proposed-approach-to-policy</loc>
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    <lastmod>2025-07-16</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206113-S4F3NNGTO738FRYK7ZUA/policy_approach.PNG</image:loc>
      <image:title>Insights - The PRA’s Proposed Approach to Policy (DP4/22) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206117-TBLTCOYKGIFWL3AZV177/reg_framework.PNG</image:loc>
      <image:title>Insights - The PRA’s Proposed Approach to Policy (DP4/22) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206121-21DS6TLTUFAMAF8TIYMM/remediation.PNG</image:loc>
      <image:title>Insights - The PRA’s Proposed Approach to Policy (DP4/22) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.katalysys.com/insights/uk-pillar3-disclosure-requirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206130-BM4I70UPP8MYEPBKSTVZ/1.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206134-MPU1WIDIJNPCS6AG5H2R/7.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206138-VN1EK2E8YSTMJY29J879/3.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206142-H4PNWL62J5ATV0ZF4RQD/4.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206146-29ZH4G937SUUF9T2ZG58/5.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206150-9W6ORPPV78E03L3K9U3X/5.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206155-MYRCHP0HSMMAU16ADMUW/6.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206159-VYDD7F5H3788025IZG4C/1.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206163-GMDSU9PPIGXO86XPVQQ1/1.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206167-CZ3AHWM3FWASYALFQOMY/2.png</image:loc>
      <image:title>Insights - UK Pillar 3 disclosure requirements - updated framework - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://www.katalysys.com/insights/cp5-22-simpler-regime-firm</loc>
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    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206176-AAAKLCS3WB5NJ2ZKQPMR/CP5-22+Timelines.JPG</image:loc>
      <image:title>Insights - CP5/22 - Simpler-regime Firm (SRF) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://www.katalysys.com/insights/funds-transfer-pricing</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-10-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206184-2Z8VZW9B5EC95SHO277H/FTP+1.png</image:loc>
      <image:title>Insights - Funds Transfer Pricing - Make it stand out</image:title>
      <image:caption>Figure 1: Business Unit Structure Flow</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206188-WVVJUGHZMQ2I51A39OO7/FTP+2.1.PNG</image:loc>
      <image:title>Insights - Funds Transfer Pricing - Make it stand out</image:title>
      <image:caption>Figure 2: FTP reference rate composition for Loan and Deposits – example</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206193-BZSFRETG1D4FYQDJASAI/FTP+3.1.png</image:loc>
      <image:title>Insights - Funds Transfer Pricing - Make it stand out</image:title>
      <image:caption>Figure 3: FTP Compositions – Details</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206196-QWRFRZ8QUB64N983S3PY/FTP+4.png</image:loc>
      <image:title>Insights - Funds Transfer Pricing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206200-O5D2CMSCQ8T0KTY1DQDI/FTP+5.1.png</image:loc>
      <image:title>Insights - Funds Transfer Pricing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://www.katalysys.com/insights/ownfundsrequirement-by-exposuretype</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206210-7W4OXH73RNUQ2ZUS3ABK/Exposure+type+to+risk+category+mapping_v0.1.JPG</image:loc>
      <image:title>Insights - CRR2 - Own funds requirement by exposure type</image:title>
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    <loc>https://www.katalysys.com/insights/ciu-riskweight-2wdtt</loc>
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    <lastmod>2025-07-17</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206226-FOXMLX68C7OR09TQND8R/Crr2-software-diagram.JPG</image:loc>
      <image:title>Insights - CRR2 - Treatment of prudently valued software assets</image:title>
    </image:image>
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    <loc>https://www.katalysys.com/insights/crr2-large-exposures-5twlr</loc>
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    <lastmod>2023-11-09</lastmod>
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    <loc>https://www.katalysys.com/insights/covid-19-transitional-arrangements-ifrs-9</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206240-OSX2ECR7Z44N9D7WPX07/crr2-ifrs+9-example.JPG</image:loc>
      <image:title>Insights - Covid-19:Transitional arrangements for  CET1 adjustment due to IFRS 9</image:title>
    </image:image>
  </url>
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    <loc>https://www.katalysys.com/insights/crr2-sme-support-factor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-16</lastmod>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206257-JXTN9WKVUMXIOFNKXRS8/RMF_simplified.JPG</image:loc>
      <image:title>Insights - Key phases/activities for regulatory reporting automation project</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206261-94BBMXQYML0H93ORYRRU/Reg+reporting+project+steps_2_setup.JPG</image:loc>
      <image:title>Insights - Key phases/activities for regulatory reporting automation project</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206266-FAMYWEV0GJZFJHV4T63Q/Reg+reporting+project+steps_3_test.JPG</image:loc>
      <image:title>Insights - Key phases/activities for regulatory reporting automation project</image:title>
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    <loc>https://www.katalysys.com/insights/overview-risk-management-framework-appetite</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206275-F998Q16UFFRH6BF24AGM/RMF_simplified.JPG</image:loc>
      <image:title>Insights - Overview RMF and risk appetite</image:title>
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    <lastmod>2025-07-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206296-G7GI58TUCFONTFCOEKR8/StressTesting_ICAAP_ILAAP_simplified_flow_V0_1%281%29.jpg</image:loc>
      <image:title>Insights - Stress testing overview</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322206310-1EKPJOR5U6RX1VOZWM8C/Katalysys_RRTP_approach.jpg</image:loc>
      <image:title>Insights - Regulatory reporting transformation</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322192868-1VQ8MP6K8YHIXUXU66PQ/iStock-460517737_medium.jpg</image:loc>
      <image:title>OLD Stress testing - Stress testing</image:title>
      <image:caption>Katalysys stress testing models and tool-kits provide greater insight in to your business model and help you quantify key business risks. Stress testing is an essential tool in the overall risk management framework. It enables banks to evaluate the impact on capital, liquidity funding and franchise viability based on potential adverse macro-economic and firm-specific scenarios. This is now a crucial element of the Internal Capital Adequacy Assessment Process (ICAAP) and Internal Liquidity Adequacy Assessment Process (ILAAP), and Recovery and Resolution Plans (RRP) exercises.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322192873-M8JVVVK7953WRRADIQAY/image-asset.jpeg</image:loc>
      <image:title>OLD Stress testing</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/k-alm1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322193885-4MLV7447D0L4GFKBTI7I/image-asset.jpeg</image:loc>
      <image:title>RiskTech - Looking ahead</image:title>
      <image:caption>Changes to risk management and regulatory reporting brought about by regulatory change is proceeding at a rapid pace and on an unprecedented scale. Keeping up with the changing regulatory requirements imposes a high degree of complexity and a key challenge for small- and medium-sized banks. Katalysys can be your partner in managing this change. We can assist the bank’s risk management and regulatory reporting functions to stay ahead with these changes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322193895-QV5YA9BT7KOY7R8RBVIA/image-asset.jpeg</image:loc>
      <image:title>RiskTech</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/solventexitanalysisold</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322195698-PIAJ8BTZ24LLPTQLCJ9Z/Katalysys+SEA+Webinar.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/icaap-ilaap-rrp-old</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322198913-1F2P338R12MBN7PTOJ1L/iStock-175408488_medium.jpg</image:loc>
      <image:title>ICAAP, ILAAP &amp; RRP - ICAAP . ILAAP . RRP</image:title>
      <image:caption>Each ICAAP, ILAAP and RRP exercise is specific to the bank's business model, customer offerings, key risks and the way the bank manages these risks. This requires significant involvement of the bank's Board and management teams. We will work closely and collaboratively with you through every stage of these assessments and we will assist in developing these in line with current regulatory guidance and industry best practice.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322198918-DEYHCALX66ZV3TVP5KG4/image-asset.jpeg</image:loc>
      <image:title>ICAAP, ILAAP &amp; RRP</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/information-security-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-11</lastmod>
  </url>
  <url>
    <loc>https://www.katalysys.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.katalysys.com/old-regulatory-reporting-transformation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322200888-50NKOEYQV8ANNFESIZO6/image.jpg</image:loc>
      <image:title>Regulatory rep. transformation - Regulatory reporting transformation</image:title>
      <image:caption>The increasing complexity of regulatory reporting requires an holistic approach, and not viewed as a tick-box exercise. Regulatory reporting should be considered as a programme that can transform the way the bank plans, collates and updates regulatory reports. We provide end-to-end support on all aspects of regulatory reporting transformation, right from strategy to conducting a full review of the regulatory reporting process.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322200892-8TY4AJII3OJLA64VO61B/image-asset.jpeg</image:loc>
      <image:title>Regulatory rep. transformation</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/oldbasel-3-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322201876-DHT7VR0CHU2QNZGAWHEB/image.jpg</image:loc>
      <image:title>OLD Basel 3.1 - Basel 3.1</image:title>
      <image:caption>Basel 3.1 rules will become effective in the UK from 1 January 2027, is a continuation of the post global financial crisis reform package that was initially implemented in 2013. The primary objective of the revisions in the current framework is to improve the reliability of capital ratios, by making standardised approaches more risk-sensitive, addressing limitations of Internal Models (IMs), and restricting the benefits that IMs can provide by introducing an ‘output floor’. This would improve both the measurement of risk and the comparability across firms.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/regulatory-reporting-automation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322202649-UWZ7VRV0DLLXK93N7Z6D/image.jpg</image:loc>
      <image:title>Regulatory rep. automation - Regulatory reporting automation</image:title>
      <image:caption>The regulatory reporting automation project is a key transformational project for any bank and a successful implementation is essential to meet current and future regulatory requirements.  As with any transformational project, based on the bank’s specific circumstances and objectives, the approach to automation has to be customised and should be fit-for-purpose. We can assist you through every step of this key transformational programme.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322202656-C218XQ5M34MVBXUO19S0/image-asset.jpeg</image:loc>
      <image:title>Regulatory rep. automation</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/oldabout</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.katalysys.com/kalmold</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322203593-N80JSGJ5KIKH4WTCFPEE/k-ALM.jpg</image:loc>
      <image:title>k-ALM - k-ALM ®</image:title>
      <image:caption>k-ALM® is an integrated colud based solution designed specifically for small- and medium-sized banks, and contains the following modules: Liquidity Stress Testing (LST) - to evaluate the impact on the bank’s liquidity and funding due to various stress scenarios, enabling the evaluation of the bank’s Overall Liquidity Adequacy. Interest Rate Risk on the Banking Book (IRRBB) - assists banks in evaluating the Economic Value of Equity (EvE) for the prescribed 6 stress scenarios, and the evaluation of the impact on Net Interest Income (NII) for the parallel-up and -down scenarios Liquidity (Core) - for calculating current and projected Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) Funds Transfer Pricing (FTP) - aids banks in product pricing, liquidity and funding management, balance sheet management and profitability management.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322203597-Q7706HP4525Q2XCFW3MR/image-asset.jpeg</image:loc>
      <image:title>k-ALM</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/risk-management-framework-old</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322204478-933L8I0X5ZIM0QW0RKE7/iStock_000006673315_Small.jpg</image:loc>
      <image:title>Risk mgmt. framework - Risk management framework &amp; Risk appetite</image:title>
      <image:caption>Risk management framework and associated risk appetite statement that is proportionate to the complexity and type of bank forms the basic building block for the board’s oversight and governance. This establishes a joined up approach to managing risk across the entire bank.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/1742322204482-LUDQ5EVAXXZV9ZSTYC8Y/image-asset.jpeg</image:loc>
      <image:title>Risk mgmt. framework</image:title>
      <image:caption>How can we help you?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/cookies-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.katalysys.com/icaap</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/f4ad4951-1d19-4bc3-8f50-74b46ba8f4e2/KATALYSYS_HEADER_CONSULTANCY.png</image:loc>
      <image:title>Internal Capital Adequacy Assessment Process (ICAAP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/34b29ace-0d84-44f4-a94f-c50d9206956f/end-to-end-solutions.png</image:loc>
      <image:title>Internal Capital Adequacy Assessment Process (ICAAP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/2ce87389-d41d-4c24-8157-54f19aacb726/elective-services-icon.png</image:loc>
      <image:title>Internal Capital Adequacy Assessment Process (ICAAP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/cf221f2b-23b5-4143-b0ab-a7351394b209/review-glass-icon.png</image:loc>
      <image:title>Internal Capital Adequacy Assessment Process (ICAAP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/home-2</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/49b14f18-5e0b-4089-96fd-ddedf67986ca/Katalysys_HOMEPAGE_HEADER_IMAGE.png</image:loc>
      <image:title>Home (Copy) New</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/f4ad4951-1d19-4bc3-8f50-74b46ba8f4e2/KATALYSYS_HEADER_CONSULTANCY.png</image:loc>
      <image:title>Home (Copy) New</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e5b695ef-db4e-44eb-9cf2-0a4d0e412cfa/KATALYSYS_HEADER_TECHNOLOGY.png</image:loc>
      <image:title>Home (Copy) New</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/d92f684f-4d17-4923-9287-283f90e3112a/KATALYSYS_HEADER_INSIGHTS.png</image:loc>
      <image:title>Home (Copy) New</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/d61e37ce-a06b-430a-9bc3-5821311dccc7/thin_green_arrow_transparent.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/861164da-125b-46c3-aa62-707a600ef08c/thin_arrow_red_orange.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/d61e37ce-a06b-430a-9bc3-5821311dccc7/thin_green_arrow_transparent.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/861164da-125b-46c3-aa62-707a600ef08c/thin_arrow_red_orange.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/861164da-125b-46c3-aa62-707a600ef08c/thin_arrow_red_orange.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/d61e37ce-a06b-430a-9bc3-5821311dccc7/thin_green_arrow_transparent.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/861164da-125b-46c3-aa62-707a600ef08c/thin_arrow_red_orange.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/e638a393-0f7d-4d9f-803c-ea50fe92dd75/blue-thin-arrow-tran.png</image:loc>
      <image:title>Home (Copy) New</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/ilaap</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/34b29ace-0d84-44f4-a94f-c50d9206956f/end-to-end-solutions.png</image:loc>
      <image:title>Internal Liquidity Adequacy Assessment Process (ILAAP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/2ce87389-d41d-4c24-8157-54f19aacb726/elective-services-icon.png</image:loc>
      <image:title>Internal Liquidity Adequacy Assessment Process (ILAAP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/cf221f2b-23b5-4143-b0ab-a7351394b209/review-glass-icon.png</image:loc>
      <image:title>Internal Liquidity Adequacy Assessment Process (ILAAP)</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/fd122ccd-261c-44ed-bf0b-5befa1626379/water+ripple.png</image:loc>
      <image:title>Internal Liquidity Adequacy Assessment Process (ILAAP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/icaap-ilaap-rrp</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/f4ad4951-1d19-4bc3-8f50-74b46ba8f4e2/KATALYSYS_HEADER_CONSULTANCY.png</image:loc>
      <image:title>ICAAP. ILAAP. RRP</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.katalysys.com/recoveryplan</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/34b29ace-0d84-44f4-a94f-c50d9206956f/end-to-end-solutions.png</image:loc>
      <image:title>Recovery Plan (RP) and Resolution Plan (ReP)</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/2ce87389-d41d-4c24-8157-54f19aacb726/elective-services-icon.png</image:loc>
      <image:title>Recovery Plan (RP) and Resolution Plan (ReP)</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/cf221f2b-23b5-4143-b0ab-a7351394b209/review-glass-icon.png</image:loc>
      <image:title>Recovery Plan (RP) and Resolution Plan (ReP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67d9ba0cea6aef4883119f44/36d281ce-9cd1-470c-aeaa-ad76bd13618a/recovery.png</image:loc>
      <image:title>Recovery Plan (RP) and Resolution Plan (ReP)</image:title>
    </image:image>
  </url>
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