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A well-designed bonus-malus system must take bonus hunger into consideration. In executive compensation , particularly at banks, bonus-malus refers to schemes where annual bonuses are held in escrow do not immediately vest , and can be reduced retroactively clawed back in case of losses in future years.

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Such a system was proposed by Raghuram Rajan in January Author Jim Collins proposed that executives be expected to buy stock with their own money as was done at IBM in the s taking on both up-side rewards and down-side risk.

In November , UBS AG announced a change to its executive compensation scheme implementing such a system, which it dubbed a "bonus-malus" system.

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