Page 3Foreword:Jaap Karelse & Gerbert van GrootheestReadPage 4Interview:ING experts on savings modelingReadPage 5Vision:The future EBA stress test frameworkReadPage 6Vision:Structural Foreign Exchange risk in practiceReadPage 7Trend:Insurers at the boiling pointReadPage 8Interview: Martijn Habing (ABN AMRO) on model riskReadPage 9Vision:The ISO 20022 XML standardization transformationReadPage 10Vision: Hedge ineffectiveness in uncertain timesReadPage 11Vision:IBOR transition effects for the insurance industryRead