Презентация на тему Risk management for banking

Содержание

2. Danger that a certain unpredictable contingency
3. Risk and uncertainty – risks may be
4. Main forms of risk
6. Other risks o operational risk o risk
7. Risks in secured lending - particular
8. Example of the consequences - Swedish
9. Risk Management Risk management system structure of
10. Delegation of responsibility and liabilities between supervising
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Danger that a certain unpredictable contingency can occur, which generates randomness in cash flow .What is risk?

Risk and uncertainty – risks may be described using probability analysis (business

Other risks o operational risk o risk of fraud o reputation risk

Risks in secured lending - particular reference to real estateWhy do

Example of the consequences - Swedish banking crisis Financial liberalisation –

Risk Management Risk management system structure of BTA Bank JSC as one

Delegation of responsibility and liabilities between supervising and executive bodies in BTA

Risk management system structure in BTA Bank JSC is represented as follows:

Слайды презентации

Слайд 2 Danger that a certain unpredictable contingency can

Danger that a certain unpredictable contingency can occur, which generates

occur, which generates randomness in cash flow .
What is

risk?

Слайд 3 Risk and uncertainty – risks may be described

using probability analysis (business cycle, company failures), while events

subject to uncertainty cannot (financial crises, wars etc.)

Слайд 4 Main forms of risk

Слайд 5

Слайд 6 Other risks
o operational risk
o risk of

Other risks o operational risk o risk of fraud o reputation

fraud
o reputation risk
Systemic risk – that the

financial system
may undergo contagious failure
following other forms of shock/risk

Слайд 7 Risks in secured lending - particular reference to

real estate
Why do banks overland to real estate?
-

alternatives?
- Collateral
- Balance sheet growth
Issues
- externalities of lending severe
- potential “disaster myopia”
- vulnerability to macroeconomic
shocks

Слайд 8 Example of the consequences - Swedish banking crisis

Financial liberalisation – banks and
authorities unfamiliar with liberalised

regime

Growth in bank lending (140% 1985-90)
and private sector debt, particular focus
on real estate lending, encouraged by tax
deductibility

Market share competition among banks

Shocks - global recession, high interest
rates to hold exchange rate, tax reform
abolishing interest deductibility

Majority of banks insolvent, non
performing assets 14% of GDP
Cost of public rescue 4.5% of GDP

Слайд 9 Risk Management
Risk management system structure of BTA Bank

Risk Management Risk management system structure of BTA Bank JSC as

JSC as one of the main components of corporate

governance is focused on minimizing influence of any risk to the corporate financial status and its ability to perform assumed liabilities. BTA Bank JSC monitors and controls its risks in compliance with the main ethical principles and limits approved by the Board of Directors. The Board of Directors determines medium- and long-term strategies and supervises Company’s operations. Management Board, Risk and Asset and Liabilities Management Committee of the Board of Directors and other bodies responsible for risk management in due term submit reports on Company’s performance, information on risks and financial status for consideration and approval by the Board of Directors.

Слайд 10 Delegation of responsibility and liabilities between supervising and

Delegation of responsibility and liabilities between supervising and executive bodies in

executive bodies in BTA Bank JSC is based on

the principles of corporate governance in order to monitor and control the following risks related to banking activities:
Credit risk;
Country risk;
Market risk, including currency, interest and price risks;
Liquidity loss risk;
Operational risk;
Compliance risk;
Legal risk;
Business reputation loss risk