Enterprise Risk Management

COMPLEX APPROACH TO RISK MANAGEMENT PROBLEM ON BANK LEVEL

Insurance & Leasing Non-bank credit and financial organizations Risk Management BI Banks

Enterprise Risk Management is a complex approach to the problem of risks management on the bank level on the whole, which gives the required balance between complexity of basic methods and management on the “common sense” principle.



Advantages of the system

    • The product gives obvious quantitative evaluation of all types of bank risks (credit, market, liquidity, interest);
    • The product allows to study trends of bank risk indicators;
    • The product ensures automatic control of limits for minimizing the level of bank risks;
    • The product allows to operatively form substantiated responses to standard and non-standard inquiries of the bank management;
    • The product ensures stability and repeatability of results by minimizing the human factor during preparation of managerial information and managerial solutions justification in the sphere of risk management.

Functionality

The product is intended to fulfil bank requirements for organization of main risk management:

ERM
 

What can Enterprise Risk Management system do?

  • To give quantitative evaluations of probable losses and/or failure to get planned incomes due to occurrence of various events connected with internal and (or) external factors of bank activities;
  • To estimate key risk indicators (the system of indicators (parameters) used for observance of main risk factors, as well as for control of the risk level);
  • To build the bank risk profile (totality of risk indicators and other data specifying the bank exposure to various types of risks);
  • To set the tolerance level to risk (the risk level (amount) which is determined by the bank as allowed (safe) for provision of its financial reliability and long-term functioning by proceeding from the strategy, character, scales and complexity of activities and financial standing);
  • To set risk adherence indicators (risk appetite) (the risk level (value), which the bank (a bank branch) is inclined to take in its activities with the aim of profit obtaining or achieving other goals);
  • To form managerial accounting by risks.
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