hese videos go through the syllabus objectives for the Financial Exams of ST5/F105/SA5/F205. They are raw, unedited and contain a large amount of opinion. I've taken a skeptical approach to the subject and my views may not be correct. Feel free to correct me in the comment section below. I'll be releasing a new video every day
Views: 17368 MJ the Fellow Actuary
Banks utilize many different techniques to manage credit risk. If you want to learn more about credit risk and risk management consider PSI’s Financial Services Curriculum. Learn more at http://www.goto-psi.com/curriculum/financial-services/.
Views: 1344 Performance Solutions International
In this video we have discussed Types of risks in banking sector and Risk Management in Banking sector which is very important for IBPS PO,IBPS Clerk,SBI Clerk,SBI PO,Syndicate Bank PO,Canara Bank PO and various other banking examinations. In this video we have categorically described risks in banking sector such as credit risk, market risk, operational risk etc. The major risks in banking business or ‘banking risks’, explained in this video with proper time stamp are : 1. Credit or Default Risk 03:50 2. Market Risk 11:50 3. Operational Risk 15:04 4. Liquidity Risk 18:37 5. Business Risk 20:23 6. Reputational Risk 21:51 7. Systemic Risk 23:41 8. Moral Hazard 24:51 9. Final discussion 27:02
Views: 64069 BANKING SUTRA
hese videos go through the syllabus objectives for the Financial Exams of ST5/F105/SA5/F205. They are raw, unedited and contain a large amount of opinion. I've taken a skeptical approach to the subject and my views may not be correct. Feel free to correct me in the comment section below. I'll be releasing a new video every day ----------------------------- Let's Keep in Contact ----------------------------- Hit the subscribe button if you would like to see more on Youtube. Join our Actuarial Science Community on Facebook - https://bit.ly/2AyCN1p MJ’s Udemy courses - https://bit.ly/2AyCUtR MJ's awesome website - https://www.mjactuary.com -----------------------------
Views: 32440 MJ the Fellow Actuary
✪✪✪✪✪ WORK FROM HOME! Looking for WORKERS for simple Internet data entry JOBS. $15-20 per hour. SIGN UP here - http://jobs.theaudiopedia.com ✪✪✪✪✪ ✪✪✪✪✪ The Audiopedia Android application, INSTALL NOW - https://play.google.com/store/apps/details?id=com.wTheAudiopedia_8069473 ✪✪✪✪✪ What is CREDIT RISK? What does CREDIT RISK mean? CREDIT RISK meaning - CREDIT RISK definition - CREDIT RISK explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. In the first resort, the risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. The loss may be complete or partial. In an efficient market, higher levels of credit risk will be associated with higher borrowing costs. Because of this, measures of borrowing costs such as yield spreads can be used to infer credit risk levels based on assessments by market participants. Losses can arise in a number of circumstances, for example: - A consumer may fail to make a payment due on a mortgage loan, credit card, line of credit, or other loan. - A company is unable to repay asset-secured fixed or floating charge debt. - A business or consumer does not pay a trade invoice when due. - A business does not pay an employee's earned wages when due. - A business or government bond issuer does not make a payment on a coupon or principal payment when due. - An insolvent insurance company does not pay a policy obligation. - An insolvent bank won't return funds to a depositor. - A government grants bankruptcy protection to an insolvent consumer or business. To reduce the lender's credit risk, the lender may perform a credit check on the prospective borrower, may require the borrower to take out appropriate insurance, such as mortgage insurance, or seek security over some assets of the borrower or a guarantee from a third party. The lender can also take out insurance against the risk or on-sell the debt to another company. In general, the higher the risk, the higher will be the interest rate that the debtor will be asked to pay on the debt. Credit risk mainly arises when borrowers unable to pay due willingly or unwilingly.
Views: 9651 The Audiopedia
Do you lend money to businesses and want to get better at credit risk management? Contact us at [email protected] to find out about Protecht.CCRM - the credit risk management software solution. Visit https://www.protecht.com.au/risk-mana... for more information.
Views: 921 The Protecht Group
SUBSCRIBE for more speakers ► http://is.gd/OxfordUnion Oxford Union on Facebook: https://www.facebook.com/theoxfordunion Oxford Union on Twitter: @OxfordUnion Website: http://www.oxford-union.org/ Muhammad Yunus is a Bangladeshi social entrepreneur, banker, economist and civil society leader who was awarded the Nobel Peace Prize for founding the Grameen Bank and pioneering the concepts of microcredit and microfinance. These loans are given to entrepreneurs too poor to qualify for traditional bank loans. ABOUT THE OXFORD UNION SOCIETY: The Union is the world's most prestigious debating society, with an unparalleled reputation for bringing international guests and speakers to Oxford. It has been established for 189 years, aiming to promote debate and discussion not just in Oxford University, but across the globe.
Views: 7987 OxfordUnion
Market Risk Management (Analyst) : MRMA has overall responsibility for independently measuring, monitoring, analyzing, and reporting market risks associated with Goldman Sachs' Broker-Dealer and Investment Management ("IMD") Divisions. For hedge funds, MRA calculates Value at Risk; volatility; marginal contribution to risk by asset class; and "severe loss" scenarios. The risk models used are the same as those used for managing the risk of the Firm's broker dealer trading businesses. For mutual funds, MRA calculates a number of stress tests and analyzes active weights in a portfolio compared to those in the relevant benchmark. Particular focus is given to concentrations and liquidity in relation to the market. MRA is also responsible for regulatory market risk reporting for mutual funds, depending on their domicile. Responsibilities: • Daily/weekly monitoring of the risks associated with both hedge funds and mutual funds, across equity and fixed income strategies. • Develop, implement, and enhance stress tests, scenario analyses, and risk decompositions. • Build and maintain relationships with businesses, providing regular updates on changes in risk metrics and stress tests to senior IMD Management. Basic Qualifications • Bachelors Degree in a relevant discipline • Minimum one year of experience Preferred Qualifications • Strong written and verbal communication skills -- able to work with a wide range of constituents (i.e. from Portfolio Managers to Controllers to Technology) • Proven record of strong internal performance • Detail Oriented with a strong control mentality • Acute and pro-active interest of what is happening in financial markets on a day-to-day basis • Highly motivated and assertive with a "can-do" attitude We want to build the next generation models that would make the world economy better off.
Views: 60019 QUANT GEN
An Introduction to Credit Risk Management What is credit risk? Why is it so important, in modern economies, to correctly deal with it? This course combines theory with practice to answer these questions. About this Course You are a bank and a big part of your daily business is to lend money. Unfortunately for you, lending money is definitely a risky activity: there is no 100% guarantee that you will get all your money back. For example you may expect losses in your portfolio because of the default of your counterpart. Or, in a less extreme situation, the credit quality of your counterpart may deteriorate according to some rating system, so that your loan becomes more and more risky. These are typical situations in which credit risk manifests itself. According to the Basel Agreements, credit risk is one of the three fundamental risks, together with market risk and operational risk, a bank (or another regulated financial institution) has to face when operating on the markets. As the 2008 financial crisis has shown us, a correct understanding of credit risk and the ability to cope with it are fundamental in the world of today. The aim of this course is to provide an introduction to credit risk modeling and hedging. At the end of the course, the students will be able to understand and correctly use the basic tools of credit risk management, both from a theoretical and, most of all, a practical point of view. This will be a quite unconventional course. For every methodology, we will analyze its points of strengths, but we will also stress its points of weakness. We will try to do this in a rigorous way, but also with fun. In addition to the video lectures and exercises, recent economic developments will be discussed in the forum based on news articles, and key practitioners from the financial world will share their views through interviews.
Views: 9768 edX
How do you get a handle of the risks and contingent liabilities within your financial agreements? Thomson Reuters Financial Trade Documentation Services helps banks overcome the external pressure from regulators looking to make the markets more transparent, efficient and safer, and the internal pressures to be more cost-effective and leaner. Through a collaborative, consultative relationship and acting as an extension of the team, Thomson Reuters will help streamline processes, control costs and reduce regulatory compliance risks in your financial institution. Learn more at http://legalsolutions.com/financial-trade
Views: 9025 Thomson Reuters Legal
The BusinessOptics credit risk prescriptive analytics solution will help your organization manage its credit risk by intelligently optimizing decisions relating to the issuing of credit, collection of debt, retention of customers and the management of capital. It will provide you with unprecedented levels of transparency within your business, as well as enabling you to streamline key business processes
Views: 358 BusinessOpticsTV
Making better credit decisions about potential partners or vendors is next to impossible without in-depth business credit reports about their financial stability. Dun & Bradstreet's business credit reports are trusted around the world for objective, comprehensive credit information about potential partners and suppliers. We utilize predictive and powerful performance based scores to illustrate companies' financial and credit risk situation. With D&B's Credit Reports you will start with a company's firmographic details, which documents their size, structure, and scope for a clear picture of who they are. These insights also depict updates to management and recent business actives. A key aspect of credit reports are the risk assessment insights. Our risk assessment reports provide performance insights of potential partners over the past 12 months, so you can compare different companies across the same industry. Review payment data for potential partners around the world. These insights provide vendor payment history so you can understand how they have paid partners in the past. Understanding legal activities of a potential partner is essential to understanding a company's operations and probable risk. Get insights into bankruptcies, leans, UCC filings, and lawsuits. Visualize a corporate entity's size, branches, subsidiaries and connections with D&B's Family Tree report. This will help you comprehend any conflict of interests and risk across an entire corporate entity. Rely on data you can trust, so you can focus on what maters most to your business. Obtain the credible analysis of Dun & Bradstreet for your credit reports and risk management.
Views: 1062 Dun & Bradstreet
SAP Credit Management Suite offers sophisticated solutions to optimise your business processes, giving you the ability to create in-depth credit checks and objective limit assignments based on external and internal sources of information and combined with dynamic risk classification – all essential for efficient credit management. It covers Credit Insurance management, risk management, dispute management, ABS/ factoring management, collection management, information management
Views: 265 SOA PEOPLE
Learn how communication leader Neopost reduced their Days Billed Outstanding (DBO) by five days with credit scoring and portfolio management insight from D&B.
Views: 1354 Dun & Bradstreet
Operational risk can have a crippling effect on a company if not managed properly. This is especially true in the financial services industry. Banks and investment firms must pay close attention to variables that have the potential to impact their operations, not only from the breakdown of technology and processes, but also from a personnel perspective. The responsibility of managing one's money is great, and the inability to properly anticipate and manage potential risk factors can have a devastating effect, all the way up to the industry level. A case in point was the subprime mortgage crisis of the late 2000s, which led to a nationwide economic recession. Mike Pinedo, the Julius Schlesinger Professor of Operations Management at New York University's Stern School of Business, is an expert in risk management research, particularly in the context of the financial services industry. In his presentation at The Boeing Center's 13th annual Meir Rosenblatt Memorial Lecture, he described the main types of primary risks in a financial services company: market risk, credit risk, and operational risk. Ops risk, which is the risk of a loss resulting from inadequate or failed internal processes, people, or external events, may be the most important factor, he claimed. _________________________________________________________________________________________ For access to exclusive digital content, events, cutting-edge research, and professional training, download our mobile app → https://bit.ly/bcsci-app
Views: 12124 The Boeing Center
SAP S/4HANA Cloud for credit integration builds the bridge from your existing finance solution to the world’s leading credit bureaus. Accessible with a single click from your existing credit management processes, full credit reports are available. Accurate credit data provides insight about your business partners, allows to take better decisions and streamlines your rating processes to lower credit risk. Learn more under https://www.sap.com/receivables
Views: 541 SAP
How can your credit union make 2018 a profitable year? What does it take to win over members, drive loyalty and ROI in the coming year? Learn from our webinar with industry experts at NACUSO and CloudCherry to understand the 7 main areas that flag risk for your credit union. Find out ways to enhance reputation amongst members, improve retention rates and also deliver consistent experiences across multieplt
Views: 49 CloudCherry CEM Solution
Learn more about credit risk modeling with R: https://www.datacamp.com/courses/introduction-to-credit-risk-modeling-in-r Hi, and welcome to the first video of the credit risk modeling course. My name is Lore, I'm a data scientist at DataCamp and I will help you master some basics of the credit risk modeling field. The area of credit risk modeling is all about the event of loan default. Now what is loan default? When a bank grants a loan to a borrower, which could be an individual or a company, the bank will usually transfer the entire amount of the loan to the borrower. The borrower will then reimburse this amount in smaller chunks, including some interest payments, over time. Usually these payments happen monthly, quarterly or yearly. Of course, there is a certain risk that a borrower will not be able to fully reimburse this loan. This results in a loss for the bank. The expected loss a bank will incur is composed of three elements. The first element is the probability of default, which is the probability that the borrower will fail to make a full repayment of the loan. The second element is the exposure at default, or EAD, which is the expected value of the loan at the time of default. You can also look at this as the amount of the loan that still needs to be repaid at the time of default. The third element is loss given default, which is the amount of the loss if there is a default, expressed as a percentage of the EAD. Multiplying these three elements leads to the formula of expected loss. In this course, we will focus on the probability of default. Banks keep information on the default behavior of past customers, which can be used to predict default for new customers. Broadly, this information can be classified in two types. The first type of information is application information. Examples of application information are income, marital status, et cetera. The second type of information, behavioral information, tracks the past behavior of customers, for example the current account balance and payment arrear history. Let's have a look at the first ten lines of our data set. This data set contains information on past loans. Each line represents one customer and his or her information, along with a loan status indicator, which equals 1 if the customer defaulted, and 0 if the customer did not default. Loan status will be used as a response variable and the explanatory variables are the amount of the loan, the interest rate, grade, employment length, home ownership status, the annual income and the age. The grade is the bureau score of the customer, where A indicates the highest class of creditworthiness and G the lowest. This bureau score reflects the credit history of the individual and is the only behavioral variable in the data set. For an overview of the data structure for categorical variables, you can use the CrossTable() function in the gmodels package. Applying this function to the home ownership variable, you get a table with each of the categories in this variable, with the number of cases and proportions. Using loan status as a second argument, you can look at the relationship between this factor variable and the response. By setting prop.r equal to TRUE and the other proportions listed here equal to FALSE, you get the row-wise proportions. Now what does this result tell you? It seems that the default rate in the home ownership group OTHER is quite a bit higher than the default rate in, for example, the home ownership group MORTGAGE, with 17.5 versus 9.8 percent of defaults in these groups, respectively. Now, let's explore other aspects of the data using R.
Views: 34662 DataCamp
Financial risk includes market risk, credit risk, operational risk, liquidity risk, and investment risk. If you have questions, visit our forum (with 50,000+ members) at https://trtl.bz/2ywkLLE Subscribe for future tutorials on expert finance and data science https://www.youtube.com/c/bionicturtle?sub-confirmation=1 Our email contact is [email protected] (I can also be reached at [email protected]) For other videos in our Financial Risk Manager (FRM) series, see one of the following playlists: Texas Instruments BA II+ Calculator https://www.youtube.com/playlist?list=PLCBifSfCnx3sjobyTnEyv2N4baxF8-wiS Risk Foundations (FRM Topic 1) https://www.youtube.com/playlist?list=PLCBifSfCnx3sm2OmHA1BO41Zcc4ntUwMG Quantitative Analysis (FRM Topic 2) https://www.youtube.com/playlist?list=PLCBifSfCnx3sormazeHQr5G9etDITYStF Financial Markets and Products: Intro to Derivatives (FRM Topic 3, Hull Ch 1-7) https://www.youtube.com/playlist?list=PLCBifSfCnx3tQuvaS-lG-8ZqUh7NvxRDg Financial Markets and Products: Option Trading Strategies (FRM Topic 3, Hull Ch 10-12) https://www.youtube.com/playlist?list=PLCBifSfCnx3s7iycLx2eZQeIUPo_4a8n8 FM&P: Intro to Derivatives: Exotic options (FRM Topic 3) https://www.youtube.com/playlist?list=PLCBifSfCnx3sfoUGYayuqJRhHA5jCFkGr Valuation and RIsk Models (FRM Topic 4) https://www.youtube.com/playlist?list=PLCBifSfCnx3sqbQnW4HkZ3HoScTG0Lluz #bionicturtle #risk #financialriskmanager #FRM #finance #expertfinance
Views: 15494 Bionic Turtle
Emerald Publishing commissioned a series of short animations based on various research journals. These animations were used on their site to offer clients a brief visually synopsis of complex material. This animation is based on the Journal of Risk Finance series by Samuel Pollege & Peter N. Posh.
Views: 45 Redbutton Media
To learn more, visit https://institutional.vanguard.com/web/cf/solutions/pensionplan/resources?EXCMPGN=IIG;SRVS;VIAS;BARBELL;SCL;YT;VO;TL;XX;GENAUD;DB;2;201804;resources to find the full research paper: The Credit Spread Barbell: Managing Credit Spread Risk in Pension Investment Strategies. For pension plan sponsors, it can be a challenge to address the funding status risk created by credit spread volatility in both the plan's assets and its liabilities. In this video, Brett Dutton, lead investment actuary with Vanguard Institutional Advisory Services®, explains how to mitigate this risk by using a credit spread "barbell" strategy, which balances a plan's fixed income exposure between securities of lower and higher credit quality. Vanguard Institutional Advisory Services can help you craft a customized strategy for your pension plan. We also offer ongoing investment management through Outsourced Chief Investment Officer (OCIO) services. To learn more about how we can help, visit https://institutional.vanguard.com/web/cf/solutions/pensionplan/support?EXCMPGN=IIG;SRVS;VIAS;BARBELL;SCL;YT;VO;TL;XX;GENAUD;DB;2;201804;support. Important Information All investing is subject to risk, including the possible loss of the money you invest. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Past performance is no guarantee of future returns. Bonds are subject to the risk that an issuer will fail to make payments on time, and that bond prices will decline because of rising interest rates or negative perceptions of an issuer's ability to make payments. While U.S. Treasury or government agency securities provide substantial protection against credit risk, they do not protect investors against price changes due to changing interest rates. © 2018 The Vanguard Group, Inc. All rights reserved.
Views: 381 Vanguard
Need Answer Sheet of this Question paper Contact us at [email protected] M: 7019944355 Banking Management Please attempt any 10 questions out of the questions mentioned below. 1. (a) Discuss the objectives and scope of 'Financial Management' in a Bank. (b) Differentiate between 'Common size Financial Statement Analysis' and 'Trend Analysis' of Balance Sheets of Bank. 2. Discuss the different sources from which Banks can borrow funds within India. 3. Discuss the importance of 'Cost of Funds' for a Bank. Explain the various rates that have an impact on the cost of funds of a Bank. 4. Discuss the salient features of: (a) Commercial Papers, and (b) Inter-Bank Participation Certificates 5. Describe the role played by Bank in the foreign exchange market. Briefly discuss the different types of 'Foreign Exchange Rate Systems'. Also explain the factors that affect the foreign exchange rates. 6. What is 'risk management’? What are its objectives? Briefly explain the different categories of risks that are relevant to Banks. 7. Explain the significance of measuring and managing 'credit risk' in Bank. Also discuss the basic approaches to credit risk measurement at individual loan intrinsic level. 8. Why are more and more Bank going for mergers these days? Briefly explain the core principles for future restructuring of weak Banks as suggested by the Verma Group. 9. What are Principles of sound lending? 10. What is negotiable instrument? What are its special features? 11. The relationship between the banker and customer is primarily that of debtor and creditor – Explain. 12. State the function of Central Bank as Lender of last resort. 13. Explain the factors determining cash reserves of banks. 14. Discuss the roles of Commercial banks in economic development. 15. What are the factors to be considered in case of secured advances?
Views: 141 Answer Sheet
Familiarize yourself with the risks of corruption and bribery in international business transactions. EDC’s Vice-President of Corporate Social Responsibility (CSR) sits down for a chat with an anti-corruption specialist. Brought to you by: Export Development Canada
The nature of payments fraud requires real-time solutions designed to detect and prevent fraud before it happens. Learn what is required to thwart fraud and how UP Payments Risk Management solutions can put you in control of managing risk. Learn more: www.aciworldwide/paymentsrisk Commerce and banking channels are multiplying and providing consumers more ways to transact than ever before. From physical channels, like credit, debit and pre-paid cards; checks; ATMs and point-of-sale terminals; to digital channels like ACH, wire, internet, telephone, mobile devices and crypto-currencies. Consumers, businesses, merchants and financial institutions all benefit from anytime, anywhere commerce…but…there’s a dark side. Sophisticated fraud threats are multiplying even faster: malware and Trojans; account takeover and identity theft; credit abuse and bust-out scams; ACH and wire fraud; data breaches; money laundering and employee fraud. In fact, a single data breach can compromise tens of millions of account holders in a matter of seconds.
Views: 36053 ACI Worldwide
There is currently a strong market focus on counterparty credit risk and more specifically on Credit Valuation Adjustment (CVA). The attention is predominantly towards the issue of efficient CVA pricing as opposed to implications in terms of risk management and capital requirements. However, since the recent crisis, another issue has gained prominence; the significant losses that counterparty credit risk can cause if not properly managed. Topics Covered Comparing capital requirements Identifying inconsistencies in prudential regulations Applying various capital approaches to typical portfolio strategies observed within financial institutions Highlighting the challenges financial institutions face in the implementation of Basel lll regulation Key findings from a recent, Quantifi and Risk Dynamics, industry survey 'Your Approach to Counterparty Risk and Basel lll' Presenters Dr. Dmitry Pugachevsky, Director of Research, Quantifi Aurélie Civilio, Senior Consultant, Risk Dynamics
Views: 421 Quantifi
See how Ziraat Bankasi uses SAS for their credit risk challenges as well as meeting their goals for ECL (Expected Credit Loss) and IFSR9. SUBSCRIBE TO THE SAS SOFTWARE YOUTUBE CHANNEL http://www.youtube.com/subscription_center?add_user=sassoftware ABOUT SAS SAS is the leader in analytics. Through innovative analytics, business intelligence and data management software and services, SAS helps customers at more than 75,000 sites make better decisions faster. Since 1976, SAS has been giving customers around the world THE POWER TO KNOW®. VISIT SAS http://www.sas.com CONNECT WITH SAS SAS ► http://www.sas.com SAS Customer Support ► http://support.sas.com SAS Communities ► http://communities.sas.com Facebook ► https://www.facebook.com/SASsoftware Twitter ► https://www.twitter.com/SASsoftware LinkedIn ► http://www.linkedin.com/company/sas Google+ ► https://plus.google.com/+sassoftware Blogs ► http://blogs.sas.com RSS ►http://www.sas.com/rss
Views: 1651 SAS Software
An introduction to Liquidity Risk Management in Banks, using components of the corresponding module found under Optimal MRM's e-Learning service. The full presentation includes measurement exercises in Excel and guides subscribers as they practice the concepts and techniques presented in a hands-on manner. We invite you to attend a complimentary e-Learning demo module (https://www.optimalmrm.com/services/elearning-catalog/17-banks/22-basel/) to experience how Optimal MRM delivers a practical understanding of risk in a rich and interactive manner.
Views: 27106 Optimal MRM
Success in international business is about more than making a sale and finding credit to help fill foreign orders. International business presents a number of risks that companies of all sizes need to think about. This video provides Canadian exporters insight into how to manage their environmental impacts. Brought to you by Export Development Canada
Katalyxt Business Conference 2013 Quantifying your Risk
Views: 22 Katalyxt Jamaica
MIT 18.S096 Topics in Mathematics with Applications in Finance, Fall 2013 View the complete course: http://ocw.mit.edu/18-S096F13 Instructor: Jake Xia This lecture focuses on portfolio management, including portfolio construction, portfolio theory, risk parity portfolios, and their limitations. License: Creative Commons BY-NC-SA More information at http://ocw.mit.edu/terms More courses at http://ocw.mit.edu
Views: 577625 MIT OpenCourseWare
Ziauddin Ishaq, Senior Solutions Specialist & Global Solutions Lead for Liquidity Risk, describes the challenges banks face when managing liquidity risk and how OFSAA can help extract accurate and appropriate data in a timely manner to allow banks to achieve superior decision making.
Views: 2365 OracleFS
May.16 -- Jose Vinals, chairman at Standard Chartered, discusses the firm's business in Asia amid U.S.-China trade tensions and managing credit risk in emerging markets. He speaks with Bloomberg's Jonathan Ferro on "Bloomberg Markets: The Open."
Views: 3904 Bloomberg Markets and Finance