A risk-based or risk-focused supervisory regime directs supervisory attention towards those banks, and towards those activity areas within individual banks, that generate the highest risk of failure and potentially costly government intervention. Using the Basel Committee Core Principles of Effective Banking Supervision as an organizational tool, this interactive course offers a sweeping review of the primary risks faced by banks – solvency, credit, market, operational, liquidity, compliance, reputation, strategic, and misconduct – and shows how a preliminary identification and assessment of risks can be made using data generated from regulatory reports. Working in groups with actual bank data, participants will utilize level, trend, and peer group analysis to gain a deep understanding of the risk profile, condition, and performance of sample banks, and will develop findings and conclusions that can be tested on site.
By the end of the course, participants will have gained the ability to analyze the condition and performance of a bank using level, trend, and peer group analysis; will be able to describe the major risks faced by banks in detail; will be equipped to do a preliminary risk identification and assessment of risks at a bank; and will be able to summarize preliminary findings and conclusions in an oral presentation.
The course is intended for on-site examiners, off-site analysts, and regulatory policy specialists with 1 to 3 years of experience in banking / financial sector supervision. Participants are expected to have a basic familiarity with bank financial statements (balance sheet, profit and loss, and cash flow), basic knowledge of other regulatory measures such as past-due status and original / remaining time to maturity of assets and liabilities, an understanding of basic summary statistics (medians and percentile rankings), and an ability to quickly read through tables of monetary amounts and calculated ratios to identify key trends and outliers.
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