Chapter One: Analyzing and Managing Banking Risk 1.1 Bank Exposure to Risk Banking risks fall into four categories (Fig. 1.1): A. Financial Risks (Pure.

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Presentation transcript:

Chapter One: Analyzing and Managing Banking Risk 1.1 Bank Exposure to Risk Banking risks fall into four categories (Fig. 1.1): A. Financial Risks (Pure & Speculative) B. Operational Risks C. Business Risks D. Event Risks

1.2 Corporate Governance Key Players: A. Systemic: 1. Legal and regulatory authorities 2. Supervisory authorities B. Institutional 1. Shareholders 2. Board of directors 3. Executive management 4. Audit committee / internal auditors 5. External auditors

C. Public / consumers: 1. Investors / depositors 2. Rating agencies and media 3. Analysts

1.3 Risk-Based Analysis of Banks Traditional analysis of a bank’s condition is based on quantitative supervisory tools (e.g. ratios). Ratios relate to liquidity, capital adequacy, loan quality, and open foreign exchange positions. However, ratios may not reflect real risk as their quality depend on time, completeness, and accuracy of data used to compute them. New analysis adds transparency.