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Free Operational risk Essays and Papers

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    3.9 OPERATIONAL RISK FRAMEWORK Operational risk framework is a “well-crafted corporate operational risk policy” that strive to: (i) define operational risk and its components; (ii) identify the roles, responsibilities and interrelationships between the business units, internal audit, business line risk management and firm-wide risk management; (iii) provide guidance commensurate with the size, complexity and the risk profile of the firm; (iv) document the process whereby risk self-assessment is

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    Before the BI in banking manual systems were prevalent because the computers were not used extensively and this was when the banking operations were small and limited mainly to branches. The non-computerized system of banking involved the manual recording of branch transactions. The generation of rudimentary reports from the manual ledgers and were consolidated with those of other bank branches into a final report for the bank as one comprehensive transaction. In this case the BI was limited to simple

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    d

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    main line of business was loan and leases which consisted of 68% of its assets and liabilities in its final quarter. Capital Adequacy Capital adequacy is capital expected to maintain balance with the risk of exposure of the financial institution such as market risk, credit risk, and operational risk, in order to absorb the potential threats. Therefore the institution must meet the minimum requirement. The CAR requires a minimum of 8% capital ratio however it failed to meet those needs for it final

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    new accord was believed would be more effective since it aimed to address three broad categories of risks namely, credit risk, market risk and operational risks. The Basel committee believed that banks could cushion themselves against the above risks by having an appropriate capital level. However, Basel methodology of deriving the above risks was somewhat misguided. For instance, the credit risk relied on historically data. Although at times historical data can act as an indication of future occurrence

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    Financial Globalization and Risk

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    under the name of financial globalization allows companies better access to financing, offers investors a greater possibility of investment and thus increases the liquidity of the global economy. However, this financial globalization has enormous risks. Indeed, creating an interconnection between national financial systems, it facilitates the transmission of shocks, contagion . Thus, a local imbalance turns immediately into a systemic crisis as shown by the recent financial crisis. Disruption in

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    Capital Adequacy

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    Capital Adequacy Introduction: There is a close relation between the capital adequacy and the financial system but it is important to have an overview before get to the more detailed study of what is going on in the financial system. There is a constant flow of cash and funds through the financial system due to the financial institutions as they assist money movement among the borrowers and lenders (lecture notes, chapter 8, 9, 15) a financial institution is basically a firm like a bank which

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    basel

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    Basel committee membership. To a large extent, the biggest problem has been the extremely limited sensitivity of the accord to the risks involved. The idea of classifying debtors into several risk buckets was obviously a milestone in 1988. On the other hand a gap was created between the regulatory measurement if risks involved in a given transaction and the real economic risk, leading to counter intuitive outcome. For example, a system requiring more regular capital to grant a non-investment grade Mexican

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    Role and Benefits of operational risk management for the Company 2.1 Freeing Up Capital A process of risk management that is streamlined ensures that operational capital is allocated and utilized efficiently. This will eventually allocate more capital to income earning activities (Auer, Brink den van, & Mormann, 2014). By so doing the Company would be using its capital resources optimally to achieve its main objectives of growth and profitability. For example the Company can use the pareto principle

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    The Major Risks of Financial Intermediaries A financial intermediary is an establishment or an institution which acts as a third party between investors and firms in trying to obtain funding. A general explanation would be the instance of a saver who has extra money and a borrower who needs this extra capital. A typical example of a financial intermediary is a bank, but there are more such as life insurance companies and building societies. This essay will assess the risks which financial

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    Introduction In this assignment, I am going to analyse and find out the risk of five companies for a certain period of time. I have chosen five FTSE 100 companies and assuming that Marylebone Bank invests £20million in shares for each company. I have chosen Barclays, BP, Next, M&S and Admiral. To do this, I have collected the 501 days adjusted close price from the period of 06/03/2014 till 12/03/2012. I would calculate VaR under Basel 1 and 2 by using variance covariance and historical simulation

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