Assessment of portfolio and operational risks
Assessment of portfolio and operational risks
The portfolio and operational risk assessment system is a comprehensive tool for identifying, measuring, monitoring and stress testing risks associated with assets, banking processes and internal vulnerabilities. The solution helps the bank predict the impact of various scenarios on sustainability, minimize losses and comply with regulatory requirements.
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This module covers two critical risk classes:
- Portfolio risks arising from concentration, delinquencies, asset losses, inefficient resource allocation;
- Operational risks associated with human errors, process failures, IT incidents, fraud, legal consequences and external events.
Functionality:
- Monitoring delinquencies, concentration and changes in asset value;
- Calculation of key metrics: RAROC, Expected Loss (EL), Loss Given Default (LGD), Exposure at Default (EAD);
- Identification and classification of operational risks according to Basel II/III (internal, external, systemic, legal);
- Scenario modeling and stress testing (at the portfolio, process or business level);
- Register of risks and control measures, assessment of the effectiveness of the control environment;
- Automation of internal accounting of losses and incidents (Loss Event Database);
- Integration with BI, CRM, internal control, ALM and document flow.
Who works with the system within the bank:
- Risk Management Department
- Credit Committee and Financial Directorate
- Internal Control and Compliance Department
- IT and Information Security Specialists
- Data & BI analysts
System owners:
- Chief Risk Officer (CRO) — strategic risk management
- Chief Operating Officer (COO) — business process control
- CIO/CTO — platform stability, IT risk and integration
What strategic objectives do the proposed solutions solve
Provides comprehensive control over risks associated with operations, portfolio and business processes
This allows you to identify potential threats in advance and eliminate losses without waiting for critical events.
Allows the bank to comply with the requirements of regulators according to Basel III, national regulations and internal standards
The system generates formalized reports, risk maps, stress scenarios and an action plan to minimize threats.
Supports strategic planning for resilience and capitalization based on data and quantitative models
Management gains a transparent picture of the organization’s vulnerabilities and strengths.
Make working with documents simpler and faster
Who are the solutions suitable for?
Results after solution implementation
Reducing operational losses and incidents through early diagnosis and risk management of key processes.
Increasing the bank’s resilience to systemic, reputational and legal risks.
Improving risk management transparency and compliance with regulatory and auditor requirements.
Processes are optimized, routine operations are automated, and employees have more time for truly valuable tasks.
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