introduction to banking risks

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Updated Dec 2025

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powerpoint presentation republic of uzbekistan ministry of higher education, science and innovation presentation theme: banking risks and fraud 1. understanding banking risks 2. common fraud schemes and tactics 3. mitigation strategies and prevention plan: introduction to banking risks credit risk, involving potential losses when borrowers default on loans, is a core banking risk. banks utilize credit scoring models and collateral to mitigate this significant threat to their financial stability. liquidity risk arises if a bank can't meet its obligations. this happens when assets cannot be readily converted to cash. effective asset-liability management is vital to maintain sufficient liquidity buffers. credit risk credit risk is the potential loss due to a borrower's failure to repay a loan or meet contractual obligations. banks use credit scoring models like fico to quantify default probability based on factors such as payment history. loan-to-value (ltv) ratio is a key indicator. a higher ltv, exceeding 80%, …

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risk arises when a bank cannot meet its immediate obligations. this occurs if asset values sharply decline, potentially triggering a 'bank run' where numerous depositors withdraw funds simultaneously. banks manage liquidity risk using tools such as holding highly liquid assets like government bonds. stress testing models simulate extreme withdrawal scenarios to prepare for unexpected shortages, maintaining solvency. compliance risk compliance risk involves violating laws, rules, or ethical standards like the bank secrecy act, leading to fines, lawsuits, and reputational damage, impacting profits by up to 15% annually. banks face compliance risk from anti-money laundering (aml) failures, resulting in penalties exceeding $10 billion globally in 2023, highlighting the importance of robust kyc procedures. types of banking fraud account takeover fraud involves criminals gaining unauthorized access to a customer's bank account using phishing or malware, then making fraudulent transfers or purchases impacting millions annually. loan fraud encompasses deceptive practices such as inflating …

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ters to access accounts with stolen credentials by 75 percent. regulatory framework the basel iii accord, introduced after the 2008 crisis, mandates higher capital adequacy ratios, like a common equity tier 1 ratio of 4.5%, to absorb potential losses and maintain solvency under stress. the sarbanes-oxley act of 2002 (sox) establishes internal control requirements for financial reporting, obligating banks to implement robust fraud prevention mechanisms and accurate auditing processes. case studies and lessons learned the 2008 financial crisis revealed the systemic risk of mortgage-backed securities. banks learned to improve risk modeling and stress testing for similar complex instruments, increasing capital reserves. the rogue trader case at société générale in 2008, involving €4.9 billion, highlighted the importance of robust internal controls and segregation of duties to prevent unauthorized trading activity. thank you for your attention image2.png image3.jpg image4.jpg image5.jpg image6.jpg image7.jpg image8.jpg image9.jpg image10.jpg image11.jpg image12.jpg image13.jpg image1.png

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powerpoint presentation republic of uzbekistan ministry of higher education, science and innovation presentation theme: banking risks and fraud 1. understanding banking risks 2. common fraud schemes and tactics 3. mitigation strategies and prevention plan: introduction to banking risks credit risk, involving potential losses when borrowers default on loans, is a core banking risk. banks utilize credit scoring models and collateral to mitigate this significant threat to their financial stability. liquidity risk arises if a bank can't meet its obligations. this happens when assets cannot be readily converted to cash. effective asset-liability management is vital to maintain sufficient liquidity buffers. credit risk credit risk is the potential loss due to a borrower's failure to repay a loan...

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