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RSK4801 Assignment 4 Semester 2 2025 (Answer Guide) - Due 3 October 2025

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RSK4801 Assignment 4 Semester 2 2025 (Answer Guide) - Due 3 October 2025 VERIFIED AND CERTIFIED ANSWERS. WRITTEN IN REQUIRED FORMAT AND WITHIN GIVEN GUIDELINES. IT IS GOOD TO USE AS A GUIDE AND FOR REFERENCE, NEVER PLAGARIZE. Thank you and success in your academics. UNISA, 2025 Contents Question 1 2 Definition of Operational Risk 2 Draft Design for the Operational Risk Report 2 Question 2 5 Drafting a Risk Map and Calculating Probabilities of Six Key Risks 5 Question 3 8 Table of Operational Risks and Mitigation/Control Measures 8 Narrative Analysis 10 Question 4 11 Risk Appetite and Risk Tolerance 11 Question 5 12 Operational Risk Culture 12 References 14 Question 1 Definition of Operational Risk Operational risk refers to the possibility of loss resulting from inadequate or failed internal processes, people, systems, or external events (Basel Committee on Banking Supervision, 2011). Unlike credit or market risk, operational risk is inherent in all banking activities and cannot be fully diversified away (ISO, 2018). It includes a wide range of exposures, such as human error, internal fraud, cyber incidents, business disruption, third-party failures, and compliance breaches (FDIC, 2023). In the South African context, the Prudential Authority emphasises that banks must adopt sound management practices for operational risk in line with global Basel standards to safeguard financial stability (Prudential Authority, 2021). Operational risk is therefore broader than transactional failures it encompasses both financial and non-financial consequences such as reputational damage, regulatory penalties, or strategic disruption (COSO, 2017). This makes it essential for banks to continuously identify, assess, monitor, and control operational risks through structured reporting processes. Draft Design for the Operational Risk Report The following structure is recommended as a guideline for the team responsible for drafting the report:

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Course: RSK4801 (RSK4801)

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Uploaded on: September 23, 2025
Number of pages: 15
Written in: 2025/2026
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rsk4801 assignment 4

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RSK4801 Assignment
4 Semester 2 2025
(Answer Guide) -
Due 3 October 2025

QUESTIONS WITH 100%
VERIFIED AND
CERTIFIED ANSWERS.

, 1|Page

RSK4801 Assignment 4 Semester 2 2025 (Answer Guide) - Due 3 October 2025
VERIFIED AND CERTIFIED ANSWERS. WRITTEN IN REQUIRED FORMAT AND WITHIN
GIVEN GUIDELINES. IT IS GOOD TO USE AS A GUIDE AND FOR REFERENCE, NEVER
PLAGARIZE. Thank you and success in your academics.
UNISA, 2025

Contents
Question 1 ...................................................................................................................................2
Definition of Operational Risk...............................................................................................2
Draft Design for the Operational Risk Report .....................................................................2
Question 2 ...................................................................................................................................5
Drafting a Risk Map and Calculating Probabilities of Six Key Risks ...............................5
Question 3 ...................................................................................................................................8
Table of Operational Risks and Mitigation/Control Measures ..........................................8
Narrative Analysis ................................................................................................................ 10
Question 4 ................................................................................................................................. 11
Risk Appetite and Risk Tolerance ...................................................................................... 11
Question 5 ................................................................................................................................. 12
Operational Risk Culture ..................................................................................................... 12
References ................................................................................................................................ 14

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