Riskpro Basel III Offering provides comprehensive advisory services to help banks comply with Basel III regulations. This includes 1) assessing any gaps in a bank's risk management frameworks, data, models, and skills, 2) creating a roadmap and timeline for compliance, and 3) providing ongoing support and guidance during implementation. Riskpro takes a customized approach and offers services related to capital management, liquidity risk, credit/market risk modeling, and training to ensure banks meet both regulatory requirements and business objectives under Basel III.
Solvency II is a fundamental review of the capital adequacy regime for EU insurers and reinsurers. It establishes revised capital requirements, valuation techniques, and risk management standards to replace Solvency I. Solvency II takes a total balance sheet view and is based on three pillars: Pillar 1 covers quantitative requirements including valuation of assets and liabilities, technical provisions, and capital requirements; Pillar 2 involves supervisory review and risk management; Pillar 3 focuses on market discipline through disclosure requirements.
Pictures and illustrations were used for educational purpose only. No copyrighted infringement intended.
For file, please contact siriwan.gsanti@gmail.com
Conference Board Webcast, Top Tips for Securing Shareholder Approval of Share...Edward Hauder
This presentation was given by Edward Hauder of Exequity and Reid Pearson of The Altman Group on topi tips companies should consider when requesting shareholders approve a share request for their equity compensation plans
Este documento describe las principales culturas que se desarrollaron en Mesoamérica, incluidas las culturas Olmeca, Zapoteca, Maya, Teotihuacana, Tolteca y Azteca. Resalta características comunes como la agricultura, la vida urbana y la complejidad social, política y religiosa de estas civilizaciones prehispánicas. También aborda brevemente el proceso de colonización española y el establecimiento del Virreinato de la Nueva España.
Doa memohon berkat dan petunjuk kepada Allah dalam pelaksanaan serah terima jabatan Resimen Mahasiswa Universitas Airlangga, serta memohon kekuatan, kesehatan, ilmu, rezeki, ampunan dosa, dan akhlak mulia hingga akhir hayat.
The document provides an overview of Basel II, including its background, main elements, and implementation process. It discusses:
- The three pillars of Basel II - minimum capital requirements, supervisory review, and market discipline.
- The different approaches for calculating capital requirements for credit, operational, and market risk. This includes standardized and internal ratings-based approaches.
- The importance of the supervisory review process in Pillar 2 for banks to assess their capital adequacy beyond regulatory minimums.
- The role of enhanced disclosure in Pillar 3 to improve market discipline.
It emphasizes that countries should consider their own banking system's readiness before implementing Basel II and that there is no single approach, with
Ratio Analysis of ACI Limited (Bangladesh)Sunanda Sarker
Basel II is an international banking accord that provides recommendations on banking regulations regarding capital adequacy requirements. It aims to ensure banks have enough capital reserves to account for credit risk from borrower defaults. Basel II builds upon Basel I by separating operational risk from credit risk and allowing banks to use internal models to calculate capital requirements. It has three pillars: minimum capital requirements, supervisory review, and market discipline through disclosure requirements.
This research paper work was presented in National Level Management Conference Presentation on Brindavan College . The paper and presentation both appreciated as best research and presentation by jury panel headed by seasoned Banking Executives
Solvency II is a fundamental review of the capital adequacy regime for EU insurers and reinsurers. It establishes revised capital requirements, valuation techniques, and risk management standards to replace Solvency I. Solvency II takes a total balance sheet view and is based on three pillars: Pillar 1 covers quantitative requirements including valuation of assets and liabilities, technical provisions, and capital requirements; Pillar 2 involves supervisory review and risk management; Pillar 3 focuses on market discipline through disclosure requirements.
Pictures and illustrations were used for educational purpose only. No copyrighted infringement intended.
For file, please contact siriwan.gsanti@gmail.com
Conference Board Webcast, Top Tips for Securing Shareholder Approval of Share...Edward Hauder
This presentation was given by Edward Hauder of Exequity and Reid Pearson of The Altman Group on topi tips companies should consider when requesting shareholders approve a share request for their equity compensation plans
Este documento describe las principales culturas que se desarrollaron en Mesoamérica, incluidas las culturas Olmeca, Zapoteca, Maya, Teotihuacana, Tolteca y Azteca. Resalta características comunes como la agricultura, la vida urbana y la complejidad social, política y religiosa de estas civilizaciones prehispánicas. También aborda brevemente el proceso de colonización española y el establecimiento del Virreinato de la Nueva España.
Doa memohon berkat dan petunjuk kepada Allah dalam pelaksanaan serah terima jabatan Resimen Mahasiswa Universitas Airlangga, serta memohon kekuatan, kesehatan, ilmu, rezeki, ampunan dosa, dan akhlak mulia hingga akhir hayat.
The document provides an overview of Basel II, including its background, main elements, and implementation process. It discusses:
- The three pillars of Basel II - minimum capital requirements, supervisory review, and market discipline.
- The different approaches for calculating capital requirements for credit, operational, and market risk. This includes standardized and internal ratings-based approaches.
- The importance of the supervisory review process in Pillar 2 for banks to assess their capital adequacy beyond regulatory minimums.
- The role of enhanced disclosure in Pillar 3 to improve market discipline.
It emphasizes that countries should consider their own banking system's readiness before implementing Basel II and that there is no single approach, with
Ratio Analysis of ACI Limited (Bangladesh)Sunanda Sarker
Basel II is an international banking accord that provides recommendations on banking regulations regarding capital adequacy requirements. It aims to ensure banks have enough capital reserves to account for credit risk from borrower defaults. Basel II builds upon Basel I by separating operational risk from credit risk and allowing banks to use internal models to calculate capital requirements. It has three pillars: minimum capital requirements, supervisory review, and market discipline through disclosure requirements.
This research paper work was presented in National Level Management Conference Presentation on Brindavan College . The paper and presentation both appreciated as best research and presentation by jury panel headed by seasoned Banking Executives
1) The document discusses Quantifi's adoption of a microservices architecture to allow its risk management functionality to be consumed in different ways and be more receptive to technological evolution.
2) It highlights how firms are moving towards single integrated risk management solutions to reduce costs and consolidate positions, favoring trading, risk, and analytics contained within a single platform.
3) Quantifi provides a single solution for risk, analytics and trading across multiple asset classes built on Microsoft .NET and C# that offers rich functionality, extensibility, and scalability across major components.
This document discusses assessing capital adequacy according to Basel III norms using data mining. It provides background on capital adequacy, Basel III, and the objectives of Basel III. It then compares the requirements under Basel II and Basel III. The document defines data mining as analyzing data from different perspectives to obtain useful information. It outlines the proposed work of analyzing bank balance sheet data using data mining tools to predict the appropriate capital adequacy ratio a bank should maintain according to Basel III norms.
Basel II Risk Compliance Solution(Tasso ): Lera technologiesLera Technologies
Lera Technologies has expertise in understanding the geography-specific Basel II implementation
requirements and the associated challenges. We can help your bank gain from the implementation through
our Tasso - Basel II Implementation Framework
Risk management in banking sector project report mba financeBabasab Patil
This document discusses risk management in the banking sector. It introduces the concepts of risk management and provides definitions of key risk types including credit risk, market risk, operational risk, and regulatory risk. It also summarizes Basel II, the international banking accord that introduced a risk-based capital adequacy framework. The framework has three pillars: minimum capital requirements, supervisory review, and market discipline. Effective risk management and maintaining adequate capital are important for banking stability and soundness.
The document provides Basel III (Pillar 3) disclosures as of June 30, 2014 for an organization. It discusses the Basel III framework consisting of three pillars - minimum capital requirements, supervisory review, and market discipline. The organization has processes to assess capital adequacy relative to its risk profile and strategies to maintain capital levels. It considers various risks as part of its internal capital adequacy assessment and stress tests. The disclosures provide capital requirements, ratios, credit risk exposures and distributions, and residual maturity breakdowns of assets.
Basel III Is Here - What are the implications for your business? Infosys
This article focuses on the key requirements of the Basel III proposals. It highlights key issues uncovered during the financial crisis, delineates measures introduced to prevent the repeat of the issues, and outlines the impact on the financial industry and larger economy on the whole. The paper then takes a deep-dive into the impact of the new regulations on data and technology systems and the challenges firms face in re-engineering their data and IT systems. Finally, it offers a solution to these challenges.
This document provides an overview of credit risk management and the Basel Accords. It discusses key aspects of credit risk management including identification, measurement, monitoring and mitigation. It describes securitization, credit derivatives, and their role in transferring credit risk. It outlines Basel I which focused on credit risk and established minimum capital requirements. Finally, it discusses India's implementation of Basel II, with some banks reporting lower capital adequacy ratios under the new framework while others reported higher ratios.
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.
Basel II is an international standard that establishes capital requirements for banks to guard against financial and operational risks. It consists of three pillars: minimum capital requirements to cover credit, market and operational risks; supervisory review to ensure adequate capital to cover all risks; and market discipline through disclosure requirements. While Basel II aims to make capital requirements more risk sensitive, Indian banks face challenges in implementing it due to lack of risk management expertise, need for technology investments, and restructuring of non-performing assets. A gradual implementation process will help ensure a smooth transition to the new framework.
A Review of BCBS 239: Helping banks stay compliantHEXANIKA
Although the challenge to comply with BCBS 239 is vital, the scope is immense. Now that the Jan 2016 deadline for the G-SIBs is up, the rule is expected to extend to other financial institutions and banks. The principles will also apply to all key internal risk management models including market, credit, and counterparty risk. Establishing the principle guidelines and putting core capabilities in place has its merits.
The clarity that effective risk data aggregation provides will help banks streamline their businesses, and can allow banks to make better judgments through more accurate risk analysis. Aggregated information across all channels will enable to provide comprehensive support and services to existing customers. The robust data framework also helps banks supervise and anticipate future problems, giving them a clear view for data analysis.
It can lead to gains in efficiency, reduce probability of losses and enhance strategic decision making, ultimate benefiting a bank’s profitability.
Black Ice Partners is a global risk management consulting firm with over 20 years of experience in the financial services industry. They have a team of industry veterans who have experience implementing Basel regulations around the world. Their Risk Data Aggregation Solution addresses all levels of Basel compliance through logical data models that organize data and feed into analytic engines for credit, market, and operational risk. Black Ice has worked with numerous banks globally on projects such as ICAAP gap analysis, enterprise risk management, and roadmaps for Basel compliance.
The Royal Bank of Scotland is one of the oldest banks in the UK, founded in 1727. It provides banking and financial services globally through divisions like Global Banking & Markets, Corporate Banking, Retail, Wealth Management, Ulster Bank and Citizens. The bank employs over 137,000 people worldwide and had $38.8 billion in revenue. Philip Hampton serves as the Chairman of the Board of RBS.
Basel III Mortgages: Australia - Key Themes and Strategic Approachaccenture
The point of view explores the new Basel III reforms and the significant impact they will have on data and systems in Australia. The piece offers a strategic approach to Basel III Mortgages and outlines five key questions Australia’s banks need to ask as they prepare for additional regulatory obligations.
This document provides guidance for banks on measuring compliance with BCBS 239, a regulation aimed at improving risk data aggregation and reporting. It outlines three key challenges banks face in implementing BCBS 239: lack of quality data and infrastructure; increasing reporting demands; and measuring compliance with principles-based regulations. It then discusses Deloitte's proposed approach to identifying metrics and thresholds to measure compliance. Specifically, it provides examples of potential metrics for Principles 1 (data architecture and IT infrastructure) and 2 (data accuracy and integrity).
Banks are scrambling to meet with IFRS 9 guidelines and are setting down on the path to implement various ECL estimation methodologies and models. But a topic that hasn’t been given enough attention is the need for governance of these models and the attendant model risk management framework that needs to be set up to lend credibility to the model estimates. This blog touches upon the need for validation of models and how model risk governance has become paramount in view of the new guidelines.
The document discusses the challenges that banks face in meeting new regulatory requirements for stress testing and capital planning. It notes that existing risk and finance systems are not well-suited to the more rigorous analysis now required, and that banks must improve data management, analytical models, and reporting in order to "break the black box" and increase transparency. The document outlines the complex data, modeling, and reporting needs to conduct comprehensive, forward-looking stress tests that meet regulatory expectations and can be useful for bank management.
The document discusses operational risk and Basel II regulations. It defines operational risk as losses from internal failures or external events. It outlines the three pillars of Basel II which establish minimum capital requirements, supervisory review, and market discipline. It describes the different approaches for calculating operational risk capital charges, including the Basic Indicator Approach, Standardized Approach, and Advanced Measurement Approach.
The document discusses various aspects of risk management and capital requirements under Basel II. It provides explanations of key concepts such as economic capital, regulatory capital, credit risk measurement approaches, operational risk approaches, and credit risk mitigation techniques. It also compares the standardized and internal ratings-based approaches for credit risk and provides examples of calculating risk-weighted assets and capital adequacy ratios.
Rahul Bhan has been awarded the professional designation of Certified Internal Auditor by the Institute of Internal Auditors. The certificate recognizes that Rahul Bhan has met the requirements for certification established by the Institute. The certificate was conferred by the Board of Regents and Board of Directors of the Institute in November 2006.
The document confers the degree of Master of Business Administration on Rahul Bhan. It was given on September 8, 2001 by Nyenrode International MBA Program and Universiteit Nyenrode, The Netherlands Business School, with all the associated honors, rights and privileges.
1) The document discusses Quantifi's adoption of a microservices architecture to allow its risk management functionality to be consumed in different ways and be more receptive to technological evolution.
2) It highlights how firms are moving towards single integrated risk management solutions to reduce costs and consolidate positions, favoring trading, risk, and analytics contained within a single platform.
3) Quantifi provides a single solution for risk, analytics and trading across multiple asset classes built on Microsoft .NET and C# that offers rich functionality, extensibility, and scalability across major components.
This document discusses assessing capital adequacy according to Basel III norms using data mining. It provides background on capital adequacy, Basel III, and the objectives of Basel III. It then compares the requirements under Basel II and Basel III. The document defines data mining as analyzing data from different perspectives to obtain useful information. It outlines the proposed work of analyzing bank balance sheet data using data mining tools to predict the appropriate capital adequacy ratio a bank should maintain according to Basel III norms.
Basel II Risk Compliance Solution(Tasso ): Lera technologiesLera Technologies
Lera Technologies has expertise in understanding the geography-specific Basel II implementation
requirements and the associated challenges. We can help your bank gain from the implementation through
our Tasso - Basel II Implementation Framework
Risk management in banking sector project report mba financeBabasab Patil
This document discusses risk management in the banking sector. It introduces the concepts of risk management and provides definitions of key risk types including credit risk, market risk, operational risk, and regulatory risk. It also summarizes Basel II, the international banking accord that introduced a risk-based capital adequacy framework. The framework has three pillars: minimum capital requirements, supervisory review, and market discipline. Effective risk management and maintaining adequate capital are important for banking stability and soundness.
The document provides Basel III (Pillar 3) disclosures as of June 30, 2014 for an organization. It discusses the Basel III framework consisting of three pillars - minimum capital requirements, supervisory review, and market discipline. The organization has processes to assess capital adequacy relative to its risk profile and strategies to maintain capital levels. It considers various risks as part of its internal capital adequacy assessment and stress tests. The disclosures provide capital requirements, ratios, credit risk exposures and distributions, and residual maturity breakdowns of assets.
Basel III Is Here - What are the implications for your business? Infosys
This article focuses on the key requirements of the Basel III proposals. It highlights key issues uncovered during the financial crisis, delineates measures introduced to prevent the repeat of the issues, and outlines the impact on the financial industry and larger economy on the whole. The paper then takes a deep-dive into the impact of the new regulations on data and technology systems and the challenges firms face in re-engineering their data and IT systems. Finally, it offers a solution to these challenges.
This document provides an overview of credit risk management and the Basel Accords. It discusses key aspects of credit risk management including identification, measurement, monitoring and mitigation. It describes securitization, credit derivatives, and their role in transferring credit risk. It outlines Basel I which focused on credit risk and established minimum capital requirements. Finally, it discusses India's implementation of Basel II, with some banks reporting lower capital adequacy ratios under the new framework while others reported higher ratios.
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.
Basel II is an international standard that establishes capital requirements for banks to guard against financial and operational risks. It consists of three pillars: minimum capital requirements to cover credit, market and operational risks; supervisory review to ensure adequate capital to cover all risks; and market discipline through disclosure requirements. While Basel II aims to make capital requirements more risk sensitive, Indian banks face challenges in implementing it due to lack of risk management expertise, need for technology investments, and restructuring of non-performing assets. A gradual implementation process will help ensure a smooth transition to the new framework.
A Review of BCBS 239: Helping banks stay compliantHEXANIKA
Although the challenge to comply with BCBS 239 is vital, the scope is immense. Now that the Jan 2016 deadline for the G-SIBs is up, the rule is expected to extend to other financial institutions and banks. The principles will also apply to all key internal risk management models including market, credit, and counterparty risk. Establishing the principle guidelines and putting core capabilities in place has its merits.
The clarity that effective risk data aggregation provides will help banks streamline their businesses, and can allow banks to make better judgments through more accurate risk analysis. Aggregated information across all channels will enable to provide comprehensive support and services to existing customers. The robust data framework also helps banks supervise and anticipate future problems, giving them a clear view for data analysis.
It can lead to gains in efficiency, reduce probability of losses and enhance strategic decision making, ultimate benefiting a bank’s profitability.
Black Ice Partners is a global risk management consulting firm with over 20 years of experience in the financial services industry. They have a team of industry veterans who have experience implementing Basel regulations around the world. Their Risk Data Aggregation Solution addresses all levels of Basel compliance through logical data models that organize data and feed into analytic engines for credit, market, and operational risk. Black Ice has worked with numerous banks globally on projects such as ICAAP gap analysis, enterprise risk management, and roadmaps for Basel compliance.
The Royal Bank of Scotland is one of the oldest banks in the UK, founded in 1727. It provides banking and financial services globally through divisions like Global Banking & Markets, Corporate Banking, Retail, Wealth Management, Ulster Bank and Citizens. The bank employs over 137,000 people worldwide and had $38.8 billion in revenue. Philip Hampton serves as the Chairman of the Board of RBS.
Basel III Mortgages: Australia - Key Themes and Strategic Approachaccenture
The point of view explores the new Basel III reforms and the significant impact they will have on data and systems in Australia. The piece offers a strategic approach to Basel III Mortgages and outlines five key questions Australia’s banks need to ask as they prepare for additional regulatory obligations.
This document provides guidance for banks on measuring compliance with BCBS 239, a regulation aimed at improving risk data aggregation and reporting. It outlines three key challenges banks face in implementing BCBS 239: lack of quality data and infrastructure; increasing reporting demands; and measuring compliance with principles-based regulations. It then discusses Deloitte's proposed approach to identifying metrics and thresholds to measure compliance. Specifically, it provides examples of potential metrics for Principles 1 (data architecture and IT infrastructure) and 2 (data accuracy and integrity).
Banks are scrambling to meet with IFRS 9 guidelines and are setting down on the path to implement various ECL estimation methodologies and models. But a topic that hasn’t been given enough attention is the need for governance of these models and the attendant model risk management framework that needs to be set up to lend credibility to the model estimates. This blog touches upon the need for validation of models and how model risk governance has become paramount in view of the new guidelines.
The document discusses the challenges that banks face in meeting new regulatory requirements for stress testing and capital planning. It notes that existing risk and finance systems are not well-suited to the more rigorous analysis now required, and that banks must improve data management, analytical models, and reporting in order to "break the black box" and increase transparency. The document outlines the complex data, modeling, and reporting needs to conduct comprehensive, forward-looking stress tests that meet regulatory expectations and can be useful for bank management.
The document discusses operational risk and Basel II regulations. It defines operational risk as losses from internal failures or external events. It outlines the three pillars of Basel II which establish minimum capital requirements, supervisory review, and market discipline. It describes the different approaches for calculating operational risk capital charges, including the Basic Indicator Approach, Standardized Approach, and Advanced Measurement Approach.
The document discusses various aspects of risk management and capital requirements under Basel II. It provides explanations of key concepts such as economic capital, regulatory capital, credit risk measurement approaches, operational risk approaches, and credit risk mitigation techniques. It also compares the standardized and internal ratings-based approaches for credit risk and provides examples of calculating risk-weighted assets and capital adequacy ratios.
Rahul Bhan has been awarded the professional designation of Certified Internal Auditor by the Institute of Internal Auditors. The certificate recognizes that Rahul Bhan has met the requirements for certification established by the Institute. The certificate was conferred by the Board of Regents and Board of Directors of the Institute in November 2006.
The document confers the degree of Master of Business Administration on Rahul Bhan. It was given on September 8, 2001 by Nyenrode International MBA Program and Universiteit Nyenrode, The Netherlands Business School, with all the associated honors, rights and privileges.
This document certifies that Rahul Bhan passed the Final Examination of the Institute of Chartered Accountants of India in May 1995. It confirms that Rahul Bhan is entitled to use the designation "Chartered Accountant" and is a member of the Institute of Chartered Accountants of India effective July 14, 1995. The document contains Rahul Bhan's registration number and is signed by the Secretary of the Institute.
The JSPL Group Code of Conduct outlines standards for ethical business conduct. It establishes guidelines for avoiding conflicts of interest, ensuring fair business practices, and maintaining accurate financial records. Employees are expected to comply with all applicable laws and act with honesty, integrity, and respect.
Riskpro is an organization providing risk management consulting services across India through offices in major cities. It is managed by experienced professionals with over 200 years of cumulative experience. Riskpro aims to provide integrated risk management solutions to mid-large sized companies and be the preferred provider of governance, risk, and compliance solutions. It offers quality advisory services at competitive prices compared to large consulting firms. Riskpro's focus is on risk management and it has expertise across various industries and capabilities to take on large, complex projects.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large corporations and financial institutions. Services include governance, risk and compliance solutions. Riskpro differentiates itself by focusing exclusively on risk management and by having over 200 cumulative years of experience among its professionals. It offers a hybrid delivery model and can take on large, complex projects. Services include advisory on various types of risk like credit, market, operational, and regulatory compliance.
Riskpro is a risk management consulting firm with offices in major Indian cities. It provides integrated risk management services to mid-large corporations and financial institutions. It has over 200 years of cumulative experience among its experienced professionals. Riskpro aims to provide quality advisory services at affordable rates compared to large consulting firms. Its differentiators include a focus on risk management and capabilities to take on large, complex projects. It offers a variety of risk management advisory services across domains like Basel II/III, corporate risks, IT risks, operational risks, and governance.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large corporations and financial institutions. Riskpro's services include IT risk advisory, information security management, auditing, assurance and governance. It differentiates itself based on its focus on risk management, experience, hybrid delivery model, and client-centric approach. The document provides details on Riskpro's services, team experience and client portfolio.
This document provides information about Riskpro, an organization that offers risk management consulting services in India. It has offices in major cities like Mumbai, Delhi, and Bangalore. Riskpro's mission is to provide integrated risk management solutions to corporate and financial institutions in India. It offers services like fraud risk management, Basel compliance, and operational risk management. The document also discusses fraud risk management frameworks and Riskpro's approach to addressing fraud risks for clients.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large corporations and financial institutions. Riskpro's team of experienced professionals offers quality advisory services typically provided by large firms, but at more affordable rates. It specializes in risk management and has over 200 years of cumulative experience. Riskpro helps foreign companies establish operations in India through advisory services related to market entry strategy, compliance, taxation and more.
Riskpro is an Indian risk management consulting firm with offices in major cities. They provide integrated risk consulting services to help mid-large companies and financial institutions in India. Their services include entry strategy consulting, regulatory compliance, risk assessment, and sector-specific advisory for foreign companies entering the Indian market. They aim to offer quality advisory services at affordable rates compared to large consulting firms.
Riskpro is an organization of risk management consulting firms with offices in major Indian cities. It provides integrated risk management services to mid-large sized corporates and financial institutions. Riskpro's team consists of experienced risk professionals with over 200 years of cumulative experience. It offers quality advisory services typically provided by large firms at more affordable price levels. Key differentiators include a main focus on risk management and the ability to take on large, complex projects through hybrid delivery capabilities.
Riskpro is a risk management consulting firm with offices in major Indian cities. It provides integrated risk management services to mid-large sized companies, including governance, risk and compliance solutions. Riskpro's services include fraud risk management, anti-corruption, whistleblowing programs, background screening, vendor screening, forensics services, and internal risk controls. It aims to provide quality advisory services typically offered by large firms at more affordable rates.
Riskpro is an Indian risk management consulting firm with offices in major cities. It provides integrated risk management services to mid-large corporations and financial institutions. Riskpro's team consists of experienced professionals who offer quality advisory services at affordable rates compared to large firms. They specialize in risk management and have over 200 cumulative years of experience. Riskpro aims to be the preferred provider of governance, risk and compliance solutions in India through their hybrid delivery model and ability to take on complex projects.
The document provides information about Riskpro, a risk management consulting firm operating in India. It offers services related to process improvement, risk management, training, and advisory for the ITES/BPO/KPO industries. Key services include risk assessment, process formulation, workshops and training, and process improvement. It highlights common risks faced by these industries such as high attrition, data security issues, regulatory non-compliance, and provides solutions. The document shares Riskpro's experience, team credentials, and client portfolio to position itself as an expert in providing risk management solutions.
Riskpro is a risk management consulting firm with offices in major Indian cities. It provides integrated risk management solutions to mid-large corporations and financial institutions. The document discusses Riskpro's services, experience, team, and value proposition in providing quality risk advisory services at affordable rates compared to large consulting firms. It highlights their expertise in areas like Basel II/III advisory, corporate risks, IT risk advisory, operational risk, governance, and other risk management training and services.
This document provides information about an upcoming conference on Anti Money Laundering Practices. The conference will be held in multiple cities in India between June and August 2013. It will bring together banking professionals, regulators and experts to discuss challenges and best practices around complying with AML requirements. The agenda covers emerging money laundering trends, regulatory changes, designing effective AML frameworks, and using technology for detection. Attendees can gain practical tools for implementing AML processes in their organizations.
This document provides information about Riskpro, a risk management consulting firm with offices in India. It discusses Riskpro's mission to provide integrated risk management solutions, its value proposition of offering quality advisory services at affordable rates, and its differentiators such as a focus on risk management and extensive experience. It also outlines Riskpro's service areas such as Basel II/III advisory, corporate risks, IT risk advisory, and operational risk. Riskpro aims to be the preferred provider of governance, risk, and compliance solutions in India.
Riskpro is an Indian risk management firm with offices in major cities. It aims to provide integrated risk management solutions to mid-large companies through a network of experienced professionals. Riskpro focuses on risk advisory, consulting, training and governance, risk, and compliance solutions. It differentiates itself through its expertise in risk management, experience, hybrid delivery model, and client-focused approach. The document then outlines Riskpro's services and presence across India and discusses various risks related to vendor management.
1. Riskpro Basel III Offering
Overview of Basel III: Issues and Challenges
RBI’s latest guidelines on Capital Adequacy issued on May 2, 2012 require Banks to comprehensively
address various elements relating to capital, liquidity, models, capital adequacy and overall risk
management framework. The regulatory framework requires compliance with Basel III guidelines in
a phased manner beginning from January 1, 2013.
Clearly Basel III is creating more issues and challenges than opportunities, or atleast in the short
term. Profitability, business strategies, competition, liquidity, capital raising efforts are all dependent
upon a number of variables. Banks want to ensure that Basel III compliance not only achieves
regulatory requirements, but also helps in meeting business challenges such as competition,
improved profit margins, both of which are likely to be impacted due to additional capital
requirements.
Riskpro India has put together a long term and comprehensive offering that can support Banks in
their quest for Basel III compliance. Our end to end services for Basel III begin with impact
assessment and also include helping identify right technology and tools to implement for necessary
measurement and analytics.
Riskpro’s Basel III Advisory Services
Basel III services are categorised in the following areas
Building robust Risk Management Frameworks compliant with Basel II and Basel III
Capital Management
Liquidity Risk Management
Credit and Market Risk
Models and technology for Basel III
Training and Awareness
More details on each of the above major areas of service are given on the next page.
Our approach to Basel III Compliance
1. Riskpro’s Basel III projects start with a detailed gap assessment with respect to risk policy
framework, data quality and availability, use of models and technology and level of skill set
within the Bank
2. We map Bank’s compliance against each point of the Basel III requirements and issue a
Diagnostic Gap report
3. Impact study for major areas such as Capital Adequacy, capital requirements, liquidity risk
ratios etc is carried out. Results are presented to the Bank’s Board for necessary action.
Board members can then take action in the form of establishing business strategies.
4. Roadmap for Basel III compliance is then defined based on overall timelines outlined by RBI.
5. Project execution and implementation is aligned to these timelines to ensure timely
compliance as well as ensure that the Bank is not unnecessary implementing components
required for compliance much later in the program
6. Monthly status report is presented to Senior Management.
7. All regulatory changes, circulars and action plans are communicated to the Bank and
incorporated during the course of the project.
2. BASEL III ADVISORY
RISK MANAGEMENT CAPITAL CALCULATIONS & LIQUIDITY RISK MANAGEMENT
FRAMEWORKS MGMT
Develop or enhance existing
Risk Management Policies, liquidity risk framework and
Diagnostic study of impact of
procedures and frameworks that policies to meet Basel III
Basel III on capital requirements
are compliant with Basel III requirements
Advisory on effective capital
Basel III Impact Assessment & Developing and Measuring the
planning strategies over next 2-6
Diagnostic Review Liquidity Coverage Ratio and
years
Net Stable Funding Ratio
Aligning business strategies with Capital & Risk Weight
Basel III regulatory requirements Eligibility conditions for
Computation
liquidity ratios
Developing risk based pricing Capital Calculation and related
frameworks Stress Testing Liquidity Risk
templates and checklists
Comprehensive stress testing and Liquidity Calculations,
Develop a framework for Capital
back testing frameworks templates and related
Conservation Buffer
reporting formats
Basel III impact on new products IFRS Impact study
and initiatives Regulatory reporting and
liquidity disclosures
Maximising ROE
Pillar II and ICAAP enhancement
CREDIT AND MARKET RISK MODELS and BASEL III Training
TECHNOLOGY
Impact study of Counterparty Training on Basel III
Credit Risk (CCR) Market risk model validation Guidelines by RBI
as per Basel III requirements
Develop Counterparty Credit
Risk Policy as required by Basel III Training and
Credit value adjustment
Pillar II of Basel III framework workshops
models for credit risk
CCR for Derivative Exposures IRB Impact Risk Management
Recruitment and Talent
Collateral management management
Model validation
framework
Portfolio & Business Analytics
Stressed VaR for Market Risk
approach
3. Team and Resources
Riskpro has developed a strong team of Basel and Risk Professionals. Our team resources include
market risk, credit risk experts, Banking professionals, model development and validation teams,
quantitative specialist and generalists Bankers who can help to handle even the most challenging
implementations.
Checklist and Templates used in our engagement
Worksteps Remarks
Mapping against client requirements: Data requirements, Risk
Impact of Basel III on capital adequacy ration ('CAR')
measurements & calculations
Excel template for sourcing all required data points specific to
Data identification for impact assessment
conducting the impact analysis
Excel model for calculating incremental capital requirements
Determining impact of Basel III on CAR
under Basel III
Requirement under ICAAP, based on business strategy and
Capital management plan incorporating Basel III aspects
forecasted balance sheet and P&L
Presentation on Basel III, its evolution and impact Ready presentation - shortcomings of Basel II, Basel III
assessment components and impact of Basel III
Checklists to evaluate Basel III readiness focusing on Mapping against client requirements: Check lists for
six key areas assessments
Assessment of the regulatory capital computation process and
High quality capital base
capital management plan, if any
Risk metrics and processes governing counterparty credit risk
Enhanced risk coverage
and securitization framework
Measures adopted by bank to minimize impact of pro-cyclicality
Pro-cyclicality
on capital adequacy
Pre-emptive measures to minimize impact of additional capital
Systemic importance of the institution
requirement for systemically important institutions
Comprehensive review of LCR, NSFR and the monitoring &
Global liquidity standards
reporting framework governing the same
Leverage Ratio Calculation of leverage ratio and associated processes
Disclosure requirements
MS Word template for Basel III disclosures Template with specific disclosure requirements under Basel III
Checklist to assess disclosure policies and governance
Checklist to assess coverage of disclosures
framework around the same
Next Steps
Riskpro is very keen to partner with your organisation to ensure smooth implementation and
compliance with RBI’s timelines for Basel III implementation. Please contact us for more details.
4. Annexure: Basel III Training
Session Topic Key Learning Duration
Recap of Basel II and A quick recap of Basel II 2 Hours
evolution of Basel III Evolution to Basel III and key enhancements
Capital and Leverage Ratio Raising quality of the capital base 2 Hours
Complete understanding of eligible capital under Basel III
Exposure measurement and computation process
Calibration of the leverage ratio
Harmonizing liquidity Understanding of LCR, NSFR and liq. management 2 Hours
standards framework
Net stable funding ratio (NSFR): measurement
methodology
Impact of harmonizing liquidity standards
Countering pro-cyclicality Mitigating pro-cyclicality & the need for counter-cyclical 1 Hour
buffer
Understanding enhanced securitization & CCR framework 2 Hours
Enhancing risk coverage Forward looking provisioning
Building capital buffers through capital conservation
Total Training 9 Hours