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Swot Analysis Of Risk Management

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Risk Management:
Bank’s risk governance architecture is focussed on key areas such as credit risk, market risk and operational risk.
Credit Risk Management:
Before taking credit decisions Bank will check the credit risk rating of borrower accounts online and this rating helps in mitigating diverse counter-party risks. This rating system incorporates different factors like industry characteristics. To test its rating models, it undertakes periodic validation of these models and conducts default rate analysis to ascertain conduct of the accounts. Large credit exposures were subjected to periodical Credit Audit and Stock Audit so that it can control the Credit risk and interest rate risk.
Credit Sanction process:
Credit exposure to borrower …show more content…

The objective of ITP is to monitor the treasury operations and mitigate the risks associated with those activities, with the help of various risk management tools. Bank has set regulatory/ internal limits for market risk arising from treasury and its related business products/ activities. Bank monitors the limits for exposures to various counter-parties, industries and countries thereby it can control the risks arising from these through Stop Loss Limits, Overnight Limit, Daylight limit, Aggregate Gap limit, Individual Gap limit, Value-at-risk (VaR) limit for Forex, Inter-bank dealing and various investment …show more content…

Systematic process has been developed to report the risk/ loss events, “near misses” and all other non-compliance issues related to the operations, and ensures that it has implemented this reporting properly. This information is used as triggers to predict the operational risks and implement corrective actions immediately, thereby it can control the future risks. In case if any critical risks are identified they will be reported to the Senior Management or appropriate authority for their suggestions.
An Operational Risk Management Policy details the framework for hedging and/ or mitigating the operational risks in the bank and as per this policy all the new products were diverted to New Product Approval Committee to identify and assess the operational risks and suggest measures to control the risks.
Counterparty credit risk exposures, for banks are assessed based on counterparty bank’s parameters such as CRAR, net worth, NPA level etc., for other entities are assessed based on the Loan Policy of the

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