Risk management Presentation
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This document discusses various types of risk management. It begins by defining risk as the possibility of an actual return being lower than expected. It then outlines the risk management cycle and provides details on the Basel Accords, which were established to improve banking supervision internationally. It specifically discusses Basel I, II and the three pillars of risk they cover: credit, operational and market risk. For each type of risk, the document defines it and provides frameworks for its management. It concludes with a brief recap of the key risks covered.
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Basel II
This document provides an overview of a project proposal to model and measure operational risk in investment banks. It discusses how operational failures at investment banks can be costly and damaging. It reviews the Basel II accord's definition of operational risk and categories of operational risk events. It also outlines three main approaches to measuring operational risk under Basel II - the basic indicator approach, advanced measurement approach, and standardized approach. The proposal aims to identify a unique way to quantify operational risk in investment banks that is acceptable globally.
Credit Risk Management Presentation
This document provides an overview of credit risk management practices from a banker's perspective. It discusses the key types of banking risks including credit, market, and operational risk. It describes credit risk measurement techniques such as credit scoring models and models based on stock prices. It also outlines the importance of internal credit risk rating processes and how rating systems can be used for risk-based pricing, portfolio management, and capital allocation. Finally, it discusses lessons learned from bank failures during the financial crisis, including the need for effective liquidity and balance sheet management and stress testing.
Chapter 08 risk management in banks
The document discusses various aspects of credit risk and risk management in banks. It covers topics like the different types of credit risk, obstacles in credit risk management, methods to reduce credit risks, credit derivatives, securitization process, Basel accords, asset-liability management, capital adequacy ratio, and interest rate risk.
Credit management
The document discusses credit risk management and outlines steps for managing a credit portfolio to minimize risk and optimize returns. It emphasizes formulating flexible credit policies, conducting target market planning and risk assessments, performing periodic reviews, and establishing a system to balance risk and revenue through various risk management objectives and capital adequacy requirements.
Risk Management Process in Islamic Banks
Risk management is a vital process for Islamic banks that consists of several interconnected phases. It includes establishing a risk management framework based on ISO 31000:2009, identifying risks through analysis of products and activities, measuring risks using a composite risk index, developing a risk matrix to plot risks by severity and impact, reviewing risks and monitoring actual risk levels. Effective risk management also requires infrastructure like documentation of policies, an organizational structure with risk management committees, use of information technology systems and databases, and selecting appropriate risk measurement models. The goal is to properly manage both generic financial risks and unique risks to Islamic banks like Sharia non-compliance, displaced commercial, and equity investment risks.
Banking in india and risk management
1) Banking in India is defined by the Banking Regulation Act of 1949 as accepting deposits from the public that are repayable on demand and using those deposits to lend money or make investments.
2) The major risks for banks include credit risk, market risk, operational risk, country risk, and risks arising from changes in strategies or the business environment.
3) Risk management techniques used by banks include collateral, credit ratings, exposure limits, guarantees, and mitigating concentration, liquidity, reputation, interest rate, and strategic risks.
Banking in india and risk management
1) The document discusses banking and risk management in India, defining banking as accepting deposits from the public that are repayable on demand and withdrawable by cheque.
2) It outlines the key functions of banks like maintaining deposit accounts and issuing/paying cheques.
3) Risk management in banking is described as identifying, measuring, monitoring, and controlling unexpected events or incidents. The main types of risks discussed are market, operational, country, and credit risk.
Banking in india and risk management
1) The document discusses banking and risk management in India, defining banking as accepting deposits from the public and conducting related financial services. It outlines the key functions of banks.
2) It defines risk management and the four main types of risks faced by banks: market, operational, country, and credit risk.
3) The document discusses various tools and techniques used by banks to manage credit risk and mitigate different types of risks. This includes risk-based supervision, credit risk mitigation techniques, and managing risks like concentration, liquidity, reputation, and strategic risks.
Enterprise-Wide Risk - The Missing Link in Indian Financial Institutions
This document discusses enterprise-wide risk management for Indian financial institutions. It notes that while Indian banks have focused on credit and market risk, operational risk is a growing concern due to factors like increased complexity and a large branch network. The document outlines the three stages of risk management: identification, control, and action. It recommends that risks with potential for catastrophic loss should be transferred, such as through insurance products. The document then describes various types of insurance policies available to cover operational risks for banks, such as bankers blanket bonds, electronic computer crime insurance, and directors and officers liability insurance. It argues that Indian banks should seek coverage beyond basic policies to adequately insure against operational risks.
bankriskmanagement-150329124901-conversion-gate01.pptx
Risk management in banks is important as banks are exposed to various risks in the changing Indian economy. The key risks include credit risk, market risk, operational risk, and legal risk. Effective risk management involves identifying risks, measuring them quantitatively and qualitatively, monitoring exposures, and taking steps to mitigate risks. Banks must have robust policies, processes, and systems to properly identify, measure, control, and manage the various risks they face.
Operational risk (by ms.sweta vijuraj)
This document discusses operational risk management. It begins by defining risk management and the types of risks, including operational risk. It then discusses why operational risk management is important, highlighting some significant operational risk events. It describes tools for identifying and monitoring operational risk, such as loss data collection, risk and control self-assessments, and key risk indicators. It also discusses approaches for measuring operational risk capital requirements under Basel II and III, including the basic indicator approach, standardized approach, and advanced measurement approach. Finally, it notes some challenges in measuring operational risk and ways to mitigate and control operational risk exposures.
Risk Management in Banks - Overview (May 2024)
Risk is at the heart of banking – and so is risk management. In a regulated bank, it is crucial to take a holistic view, including economic and normative perspectives. This material gives an overview of enterprise risk management in banks; specifics by risk type – credit risk, market risk, operational risk, liquidity risk, and other relevant risks – are not discussed here.
EV_-RISK-MANAGEMENT-REPORT.pdf
This document discusses risk management and introduces key concepts. It defines risk as events that can prevent a company from achieving objectives. Risks can be internal or external and include financial risks like credit, liquidity, and market risk, as well as non-financial risks like operational, legal, and strategic risks. It outlines the risk management process according to COSO and ISO 31000, including identifying risks, assessing them, and responding by accepting, reducing, sharing, or avoiding risks. The roles of management, boards, and auditors in effective risk oversight are also highlighted.
Similar to Risk management Presentation (20)
Enterprise-Wide Risk - The Missing Link in Indian Financial Institutions
Enterprise-Wide Risk - The Missing Link in Indian Financial Institutions
bankriskmanagement-150329124901-conversion-gate01.pptx
bankriskmanagement-150329124901-conversion-gate01.pptx
Risk management Presentation
- 1. RISK MANAGEMENT By: Nasim Jamal Muradiyan Bachelors of Business Administration Risk Management Department of AZIZI BANK
- 2. WHAT IS RISK? The possibility of receiving outcomes of an event, where an actual return on investment will be lower than the expected return.
- 4. BASEL ACCORD Herstatt Bank, Germany engaged in major international payment & Settlement Transactions was declared insolvent in 1974 which caused settleBCBS under the aegis of BIS, in Basel,Switzerland. Basel I: Issued on 1988 and focused mainly on Credit Risk, Asset Classification & CAR. Asset Classification: Standard Zero to 30 Days Watch List 31 to 60Days Substandard 61 to 90 Days Doubtful 91 to 180Days Loss 181 to above Days 4
- 5. Basel II, initially published in June 2004, with three pillars us under: Risk Under First Pillar: Credit Risk [SA, FIRB & AIRB Approaches] Standardized Approach Foundation Internal Risk Based Advanced Internal Rating Based Operations Risk [BIA, SA, AMA] Basic Indicator Approach Standardized Approach Advanced Measurement Approach Market Risk [SMM, IMA] Standardized Measurement Method Internal Modules Approach Second Pillar: Supervisory Review and Other Risks i.e. Strategic, Legal, Systematic, Liquidity, Reputational etc. Third Pillar: Market Discipline BASEL ACCORD 5
- 6. CREDIT RISK Credit Risk” is the potential that a bank’s borrower or counterparty will fail to meet its obligations in accordance with the agreed terms on account of inability or unwillingness. 6
- 7. CREDIT MANAGEMENT VS CREDIT RISK MANAGEMENT Credit Management Credit Risk Management It involves selection of borrowers It involves analysis of risk in credit transactions Three Ps, viz; People, Purpose & Protection Three Ms, viz; Measuring, Managing & Monitoring/Controlling Based on Accounting information and judgment is subjective Data driven, scientific and is more objective Backward Looking Forward Looking
- 8. CREDIT RISK MANAGEMENT –FRAMEWORK CREDIT RISK MANAGEMENT STRUCTURE 8
- 9. OPERATIONAL RISK Operational Risk is “the risk of loss resulting from inadequate or failed internal processes, people and systems or from external events.” It includes Legal Risk but excludes Strategic and Reputational Risk. Legal Risk includes, but not limited to, exposure to fines, penalties, punitive damages resulting from supervisory actions as well as private settlements.
- 11. MARKET RISK Market Risk arising from adverse changes in market, such as interest rate, Forex (foreign Exchange rate) equity price etc. Market Risk can be defined as the risk of losses in on and off balance sheet positions arising from adverse movement of market rates.
- 12. CONCLUSION What is Risk? What is Basel? What is Credit Risk? What is Market Risk?