RFS articles
Fresh articles on syllabus changes, RBI policy moves, and high-yield revision tactics — written for working bankers who study after office hours.
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
Liquidity Risk in Financial Services: LCR, NSFR & RBI Norms (2026)
For CAIIB Risk in Financial Services candidates, liquidity risk in financial services is one of the most exam-heavy topics in the...
ESG risk management in banks: A Complete CAIIB RFS Guide (2026)
ESG risk management in banks has moved from a boardroom buzzword to a core CAIIB Risk in Financial Services (RFS) exam topic, beca...