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In: Business and Management

Submitted By munirules
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Pages 5
TITLE

RISK MANAGEMENT IN BANKS

EXECUTIVE SUMMARY Risk management is the identification, assessement , and prioritization of risk (whether positive or negative) followed by co ordination and economical application of resources to minimize, monitor, and control the probability or impact or unfortunate or to maximize the realization of opportunities. Risk can come from uncertainty in financial markets, project failures, legal liabilities, credit risk, accident, natural causes and disasters as well as deliberate attack from adversary.
The financial crises exposed inherent weakness in the risk management system: soled infrastructure, disparate system and processes, fragmented decision making, inadequate forecasting and a dearth of cohesive reporting, among others. The impact of these flaws on many institutions shocked the industry. As a result, there has been a seismic shift in attitude towards risk.
Wherever there is a investment, there exists Risk, and we have to analyse the risk quotient before investing/lending . Risk exists because of the inability of the decision makers to make perfect forecasts. Forecast cannot be made with perfection or certainty since the future events on which they depend on uncertain. Risk arises in investment or lending evaluation.

In financial economics , a financial institutions is a institution that provides financial services for its clients or members. Probably the most important financial services provide by financial institution is acting as a financial intermediaries .
Most financial institution are highly regulated by government
Broadly speaking there are three types of financial institutions: 1) deposit-taking institution that accept and manage deposits and make loans, including loans, building societies, credit unions, trust companies, and mortgage loan companies. 2) Insurance

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