Foundations of Banking Risk: An Overview of Banking, Banking by GARP (Global Association of Risk Professionals)

By GARP (Global Association of Risk Professionals)

GARP's Foundations of Banking chance and legislation introduces threat execs to the complicated parts and terminology in banking threat and rules globally. It is helping them enhance an knowing of the equipment for the dimension and administration of credits threat and operational probability, and the law of minimal capital requisites. It educates them approximately banking law and disclosure of industry info. The e-book is GARP's required textual content utilized by chance pros seeking to receive their overseas Certification in Banking hazard and rules.

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Extra info for Foundations of Banking Risk: An Overview of Banking, Banking Risks, and Risk-Based Banking Regulation

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Later chapters discuss in greater detail the relationship between bank risks and regulation. CHAPTER 2 Managing Banks C hapter 2 builds on the first chapter and introduces bank management topics that are particularly relevant to risk management and regulation. This chapter examines bank corporate governance, the financial statements banks use to communicate their activities, the function of asset and liability management in banking, and how banks manage loan losses. 4 Bank Corporate Governance Balance Sheet and Income Statement Asset and Liability Management Loan Losses Key Learning Points • Bank corporate governance refers to the framework banks use to manage their operations and deal with the often-conflicting interests of bank stakeholders.

As noted in Chapter 1, the processes of financial intermediation and asset transformation are key to bank operations and are also at the core of bank risks. Underwriting, the process of evaluating a borrower’s ability to repay funds to the bank, places the bank in a unique position. The bank must determine how much credit can be extended (if any) and the conditions (or terms) it must impose on the loan to decrease the possibility of loss. 1 on corporate governance). In fact, how well a bank succeeds in its underwriting process affects the bank’s profits, financial health, and survival.

3. Securitization is a threat to banks since it enables nonbanks to offer loans and financing at a lower cost than that which banks historically charge. Securitization, however, can also benefit banks by offering them a way to sell some of the higher-risk assets they would prefer not to hold on their books. • Technological advances. Improvements in computing power, telecommunications, and information technology have allowed banks to offer new ventures such as Internet-based banking. Technological advances continue to reduce the cost of routine banking services, such as payments and withdrawals.

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