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Comprehensive Risk Management Framework for Yoma Bank

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Overview

This document outlines a comprehensive risk management framework for Yoma Bank and its group of companies. The framework identifies various strategic, human resources, societal, information technology, and compliance risks that the organization faces, along with their drivers, implications, and potential consequences.

Key Takeaways

Risk Identification and Assessment

• The organization has identified a wide range of risks across different categories, including financial, operational, reputational, and regulatory.
• For each risk category, the organization has outlined various risk response and mitigating measures to address the identified risks.

Risk Mitigation Measures

• Implementing asset liability management policies
• Developing contingency funding plans
• Providing training and leadership programs for employees
• Creating safe working environments
• Monitoring credit risk
• Implementing IT security measures

Compliance with Regulations

• The organization recognizes the importance of compliance with relevant laws, regulations, and procedures, including anti-corruption and bribery laws, corporate fraud prevention, and industry-specific regulations.

Risk Management Governance

• The organization has established a risk management framework that involves the board of directors, audit and risk management committee, and group’s risk management department to identify, assess, and mitigate risks.

Areas for Improvement or Further Development

Quantifying Risk Exposure

• While the document identifies various risks, it would be helpful to quantify the potential impact and likelihood of each risk to inform risk prioritization and resource allocation.

Risk Ownership and Accountability

• It may be beneficial to assign specific risk owners and accountabilities within the organization to ensure clear lines of responsibility for managing and mitigating risks.

Regular Review and Update

• The document should be regularly reviewed and updated to reflect changes in the business environment, new risks, and emerging trends.

Stakeholder Engagement

• The organization may benefit from engaging with stakeholders, including employees, customers, suppliers, and regulatory bodies, to gather feedback and input on risk management practices.

Conclusion

Overall, this risk management framework provides a solid foundation for Yoma Bank and its group of companies to identify, assess, and mitigate risks in a proactive and structured manner.