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RFS articles

Fresh articles on syllabus changes, RBI policy moves, and high-yield revision tactics — written for working bankers who study after office hours.

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Model Risk Management in Banks: A CAIIB RFS Exam Guide
RFS 30 Jul 2026

Model Risk Management in Banks: A CAIIB RFS Exam Guide

Model risk management in banks is the part of the RFS syllabus that trips up candidates who are strong on credit and market risk b...

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Risk Governance Framework in Banks: Board and CRO Roles (IIBF RFS 2026)
RFS 29 Jul 2026

Risk Governance Framework in Banks: Board and CRO Roles (IIBF RFS 2026)

A weak risk governance framework in banks rarely fails in one dramatic moment. It fails quietly — a Chief Risk Officer (CRO) who r...

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Portfolio Credit Risk Measurement: Correlation and Credit VaR (RFS 2026)
RFS 28 Jul 2026

Portfolio Credit Risk Measurement: Correlation and Credit VaR (RFS 2026)

A single obligor default rarely sinks a bank. What sinks a bank is a portfolio where many obligors default together, because their...

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Key Risk Indicators in Banking: A Practical RFS Guide
RFS 27 Jul 2026

Key Risk Indicators in Banking: A Practical RFS Guide

Every bank collects thousands of numbers every day, but only a handful of them warn you before a small problem turns into a large...

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Risk Transfer Mechanisms in Banking: Securitisation to CDS
RFS 26 Jul 2026

Risk Transfer Mechanisms in Banking: Securitisation to CDS

Risk transfer mechanisms in banking let a lender, insurer, or NBFC shift a defined exposure to another party. The institution no l...

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Risk Based Supervision in India: RBI's SPARC Framework Explained (RFS 2026)
RFS 25 Jul 2026

Risk Based Supervision in India: RBI's SPARC Framework Explained (RFS 2026)

For decades, bank inspectors walked into branches, sampled ledgers and ticked compliance boxes after the fact. That backward-looki...

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D-SIB Capital Surcharge: RBI's Systemic Risk Buffer
RFS 23 Jul 2026

D-SIB Capital Surcharge: RBI's Systemic Risk Buffer

Every CAIIB Risk in Financial Services candidate eventually meets the D-SIB capital surcharge — the extra capital cushion RBI forc...

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Insurance Risk Management Framework: Underwriting and Solvency
RFS 22 Jul 2026

Insurance Risk Management Framework: Underwriting and Solvency

An insurance risk management framework is the structured, board-approved approach an insurer uses to identify, price, reserve for...

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Large Exposures Framework: RBI Limits for Banks (2026)
RFS 21 Jul 2026

Large Exposures Framework: RBI Limits for Banks (2026)

Every bank that lends heavily to one big borrower learns the same painful lesson: a single default can wipe out capital built over...

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Settlement Risk in Banking: Herstatt Risk, PvP and DvP (2026)
RFS 20 Jul 2026

Settlement Risk in Banking: Herstatt Risk, PvP and DvP (2026)

Settlement risk in banking is the risk that you deliver your side of a trade and the counterparty never delivers theirs. It sounds...

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Obligor Risk Rating in Banks: A Complete CAIIB RFS Guide (2026)
RFS 19 Jul 2026

Obligor Risk Rating in Banks: A Complete CAIIB RFS Guide (2026)

Every corporate loan file at an Indian bank carries a number that quietly decides pricing, capital charge and provisioning long be...

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