MMPB 004 Solved Assignment 2023-24


MMPB 004 Solved Assignment 2023-24

Risk Management in Banks

MMPB 004 Solved Assignment 2023-24 : All assignments are in PDF format which would be send on email/WhatsApp (9958676204) just after payment.

Assignment Code: ASST/ MMPB 004/2023-24

Marks: 100

Attempt all the questions.

Q1. Why do risks in banks need to be regulated? Discuss the Basel III Accord and the building blocks of this Accord.

The regulation of risks in banks is crucial for maintaining financial stability and protecting the interests of depositors, investors, and the broader economy. Unregulated or inadequately managed risks in the banking sector can lead to financial crises, bank failures, and significant economic downturns. To address these concerns, international regulatory frameworks, such as the Basel III Accord, have been developed to establish standards and guidelines for banks to follow in managing their risks.

The Basel III Accord, introduced by the Basel Committee on Banking Supervision (BCBS), is a set of international banking regulations that aims to strengthen the regulation, supervision, and risk management within the banking sector. It builds upon the earlier Basel I and Basel II accords, incorporating lessons learned from the global financial crisis of 2007-2008.

The key building blocks of the Basel III Accord include:

Minimum Capital Requirements: Basel III introduces more stringent capital requirements compared to its predecessors. Banks are required to maintain a minimum level of common equity Tier 1 (CET1) capital as a percentage of their risk-weighted assets. This capital acts as a buffer to absorb losses during periods of financial stress.

Capital Buffers: Basel III introduces additional capital buffers to enhance the resilience of banks. These include the Capital Conservation Buffer, the Countercyclical Capital Buffer, and the Systemic Risk Buffer. These buffers provide an extra layer of protection during economic downturns and periods of increased systemic risk.

Leverage Ratio: To prevent excessive leverage, Basel III introduces a leverage ratio that measures a bank's capital against its total exposure. This serves as a backstop to the risk-based capital requirements, ensuring that banks have a minimum level of capital to cover their total assets.

Liquidity Requirements: Basel III introduces two liquidity standards – the Liquidity Coverage Ratio (LCR) and the Net Stable Funding Ratio (NSFR). The LCR ensures that banks have sufficient high-quality liquid assets to cover their short-term liquidity needs, while the NSFR addresses the stability of a bank's funding profile over a longer time horizon.

Counterparty Credit Risk: Basel III enhances the regulatory framework for managing counterparty credit risk in derivatives and other financial transactions. It introduces the standardized approach for measuring counterparty credit risk (SA-CCR) and the credit valuation adjustment (CVA) risk framework.

Risk Management and Governance: The accord emphasizes the importance of effective risk management and governance practices within banks. It encourages banks to have robust risk management frameworks, including risk identification, assessment, and mitigation strategies. Strong governance ensures that decision-making processes are transparent and accountable.

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Enhanced Disclosure Requirements: Basel III introduces enhanced disclosure requirements to improve the transparency of banks' risk profiles and capital adequacy. This helps market participants, regulators, and the public to assess a bank's financial health and risk exposure.

By implementing these building blocks, the Basel III Accord aims to create a more resilient and stable banking system, better equipped to withstand economic shocks and protect the broader financial system. Regulatory oversight helps ensure that banks operate in a prudent manner, reducing the likelihood of systemic failures that can have severe consequences for the global economy.

Q2. Explain the Risk Management function in a Bank and discuss the role of the functionaries who are involved in it.

Q3. What is the use of Credit Derivatives? What are the benefits and risks of using these Derivatives?

Q4. Meet the Manager of the Bank of your choice and discuss the need for Asset-Liabilities Committee in a bank. Also discuss the role played by the sub –committees in the areas of credit, investment, and liabilities of a Bank.

Q5. What is the need for reporting risk of a Bank? Discuss the principles for effective risk data aggregation and risk reporting.

MMPB 004 Solved Assignment 2023-24 : All assignments are in PDF format which would be send on email/WhatsApp (9958676204) just after payment.

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