WEEK 1 – AJ LECTURE 1: FRAMEWORK
Strategic Framework = Why are we here?
Mission: “You want to do something for society:
Strategy: How are you going to do that?
Risk Framework = How are we organized?
Governance & Culture = aggressive / conservative
Principles & Policies = What do you want to finance (drugs, real-estate) terms and conditions
Risk Appetite & Statement = How much finance do you need?
Key Risk Indicator Report
Strategic & Reputational Risk:
o Where are your clients positioned?
o Reputational risk is the most important risk for a bank
Credit risk
Market & Liquidity risk
o Asset and liability management matching
Operational, ICT & Compliance Risk knowing your customers is key
WEEK 2 – AJ LECTURE 2: CREDIT PROCESS
Models to determine if an individual is suitable for credit?
Do you have a job? Do you have an income? Do you have a house?
Strategic Framework = Why are we here?
Mission: “You want to do something for society:
Strategy: How are you going to do that?
Risk Framework = How are we organized?
Governance & Culture = aggressive / conservative
Principles & Policies = What do you want to finance (drugs, real-estate) terms and conditions
Risk Appetite & Statement = How much finance do you need?
Key Risk Indicator Report
Strategic & Reputational Risk:
o Where are your clients positioned?
o Reputational risk is the most important risk for a bank
Credit risk
Market & Liquidity risk
o Asset and liability management matching
Operational, ICT & Compliance Risk knowing your customers is key
WEEK 2 – AJ LECTURE 2: CREDIT PROCESS
Models to determine if an individual is suitable for credit?
Do you have a job? Do you have an income? Do you have a house?
