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Risk Management Guidelines for Commercial Banks by Statebank of Pakistan

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Risk Management Guidelines For Commercial Banks
Risk Management ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Hierarchy levels ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
BOD & SM Oversight ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],BOD Division Head1 Division Head2 Division Head3 Unit Head1 Unit Head2 Unit Head3
Risk Management Framework ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Evaluation ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Contingency Planning ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
CREDIT RISK MANAGEMENT Potential that an obligor is either unwilling to perform on an obligation or its ability to perform such obligation is impaired resulting in economic loss to the bank .
Specific Areas of Oversight ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Organization Structure ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Systems and Procedures ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Systems and Procedures ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Systems and Procedures ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Systems and Procedures ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MANAGING MARKET RISK Risk that the value of on and off-balance sheet positions of a financial institution will be adversely affected by movements in market rates or prices such as interest rates, foreign exchange rates, equity prices, credit spreads and/or commodity prices resulting in a loss to earnings and capital
Specific Areas of Oversight ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Organization Structure ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Measurement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Measurement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MANAGING LIQUIDITY RISK Potential for loss to an institution arising from either its inability to meet its obligations or to fund increases in assets as they fall due without incurring unacceptable cost or losses.
Specific Areas of Oversight ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Organization Structure ,[object Object],[object Object]
Risk Measurement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Monitoring ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MANAGING OPERATIONAL RISK Risk of loss resulting from inadequate or failed internal processes, people and system or from external events.
Risk Assessment ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Risk Management Guidelines

  • 1. Risk Management Guidelines For Commercial Banks
  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7.
  • 8. CREDIT RISK MANAGEMENT Potential that an obligor is either unwilling to perform on an obligation or its ability to perform such obligation is impaired resulting in economic loss to the bank .
  • 9.
  • 10.
  • 11.
  • 12.
  • 13.
  • 14.
  • 15. MANAGING MARKET RISK Risk that the value of on and off-balance sheet positions of a financial institution will be adversely affected by movements in market rates or prices such as interest rates, foreign exchange rates, equity prices, credit spreads and/or commodity prices resulting in a loss to earnings and capital
  • 16.
  • 17.
  • 18.
  • 19.
  • 20. MANAGING LIQUIDITY RISK Potential for loss to an institution arising from either its inability to meet its obligations or to fund increases in assets as they fall due without incurring unacceptable cost or losses.
  • 21.
  • 22.
  • 23.
  • 24.
  • 25. MANAGING OPERATIONAL RISK Risk of loss resulting from inadequate or failed internal processes, people and system or from external events.
  • 26.