CAIIB · RM

CAPITAL ALLOCATION AGAINST MARKET RISK

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Risk Management (Elective) — CAIIB.

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Q

What is the primary purpose of capital allocation against market risk under the Basel framework?

A

Capital allocation against market risk ensures banks hold sufficient capital to absorb potential losses arising from adverse movements in market prices such as interest rates, equity prices, foreign exchange rates, and commodity prices.

Q

What is the minimum capital requirement for market risk under Basel III as a percentage of risk-weighted assets?

A

8% total capital ratio covering credit, market and operational risk

Q

Which Basel Committee document introduced the Fundamental Review of the Trading Book (FRTB)?

A

The FRTB was introduced through the Basel Committee's January 2016 standards document, substantially revising the market risk capital framework originally set out under Basel II and III.

Q

What does the term 'market risk' refer to in the context of bank capital regulation?

A

Risk of losses from adverse movements in market prices

Q

What are the two broad approaches available to banks for computing market risk capital under the Basel framework?

A

Banks may use the Standardised Approach (SA) or the Internal Models Approach (IMA), subject to supervisory approval and meeting specified qualitative and quantitative criteria.

Q

Which Basel accord first introduced explicit capital charges for market risk?

A

Basel I amendment of 1996

Q

How does the Standardised Approach calculate market risk capital under FRTB?

A

The FRTB Standardised Approach uses a sensitivity-based method that aggregates delta, vega, and curvature risk charges across prescribed risk classes, combined with a residual risk add-on for instruments with complex pay-offs.

Q

What is Value at Risk (VaR) as used in market risk capital computation?

A

Maximum potential loss at a given confidence level over a holding period

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