Md Monirul Islam
Risk management in banking is not just the bank’s internal job. External players — especially regulators and the public — play a very important role in keeping the system safe and honest. Role of Regulatory Authorities: Regulators like Bangladesh Bank…
Md Monirul Islam
The Risk Management Division (RMD) is divided into specialized desks. Each desk focuses on a specific type of risk. This makes risk monitoring more focused and effective. Credit Risk Desk This desk assists in the formulation and review of credit…
Md Monirul Islam
The CRO is the most senior person responsible for managing risk across the entire bank. According to the Basel Committee, the CRO must be an independent senior executive with distinct responsibility for the risk management function across the entire organization….
Md Monirul Islam
The BRMC sits at the top of the bank’s risk governance structure. Its job is to make sure risk management policies are not just written on paper; they are actually working. Key Responsibilities of the BRMC Banks are encouraged to…
Md Monirul Islam
Key Risk Indicators (KRIs) are like the warning lights on a car dashboard. They do not tell you the engine has already blown up. They tell you that something is heating up before it becomes a crisis. In banking, KRIs…
Md Monirul Islam
Risk management would be impossible if every identified risk were treated with equal urgency. Some risks happen every week. Others might happen once in a decade. Risk Likelihood is the tool that helps banks separate the urgent from the theoretical…