📝 One-liners · 37 cards
Digitisation of Retail Banking Products
Credit Risk — What It Captures / Example?
What It Captures: Borrower fails to repay loan/obligation; Example: Default on home loan
Business Risk — What It Captures / Example?
What It Captures: Loss in profitability/value due to operational or strategic factors; Example: Wrong product launch
Market Risk — What It Captures / Example?
What It Captures: Loss from price/external-factor fluctuations; Example: Bond price falls on rate hike
Operating Risk — What It Captures / Example?
What It Captures: Loss from process/technology failure, fraud, weak internal controls; Example: Cyber-fraud, system outage
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