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Risk managemnt

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1.
There is a common understanding of risk management across the bank
2.
Responsibility for risk management is clearly set out and understood throughout the bank
3.
Accountability for risk management is clearly set out and understood throughout the bank
4.
Managing risk is important to the performance and success of the bank
5.
It is crucial to apply the most sophisticated techniques in risk management .
6.
Your bank's objective is to expand the applications of advanced risk management techniques
7.
It is important for your bank to emphasize on the continuous review and evaluation of the techniques used in risk management
8.
Applications of risk management techniques reduce costs or expected losses .
9.
This bank assesses the likelihood of occurring risks
10.
This bank's risks are assessed by using quantitative analysis methods
11.
This bank's risks are assessed by using qualitative analysis methods (e.g. high,moderate,low)
12.
Your bank analyses and evaluates opportunities it has to achieve objectives
13.
Your bank's response to analyzed risks includes an assessment of the costs and benefits of addressing risks
14.
Your bank's response to analyzed risks includes prioritizing of risks and selecting those that need active management
15.
Your bank's response to analyzed risks includes prioritizing risk treatments where there are resource constraints on risk treatment implementation average
16.
Monitoring the effectiveness of risk management is an integral part of routine management reporting
17.
The level of control by the bank is appropriate for the risks that it faces
18.
Reporting and communication processes within your bank support the effective management of risk
19.
The bank's response to risk includes an evaluation of the effectiveness of the existing controls and risk management responses
20.
The bank's response to risk includes action plans for implementing decisions about identified risks
21.
Tha bank's response to risk includes an assessment of the costs and benefits of addressing risks average
22.
The bank's executive management regularly reviews the organization's performance managing its business risks
23.
Your bank has highly effective continuous review/feedback on risk management
24.
The bank's risk management procedures and processes are documented and provide guidance to staff about managing risks
25.
Your bank's policy encourages training programs in the area of risk management
26.
This bank emphasizes the recruitment of highly qualified people in risk management
27.
Efficient risk management is one of the bank's objectives
28.
It is too dangerous to concentrate bank's funds in one specific sector of the economy
29.
The application of Basel capital accord by your bank would improve the efficiency of risk management
30.
Bank's capital is adequate if the ratio of capital to total risk-weighted assets is equal to 8 percent overall
31.
I consider the level of risk management practices of this bank to be excellent
32.
This bank undertakes a credit worthiness analysis before granting loans
33.
Before granting loans, your bank undertakes a specific analysis including the client's characters , capacity, collateral capital and conditions
34.
This bank's borrowers are classified per a risk factor (risk rating)
35.
It is essential to require sufficient collateral from the small borrowers
36.
This bank's policy requires collateral for all granting loans
37.
It is preferable to require collateral against some loans and not all of them
38.
The level of credit granted to defaulted clients must be reduced average
39.
Please rate the importance of Risks faces your bank
40.
Please specify the most important (Four )risk identification methods your bank use
41.
The bank carries out a comprehensive and systematic identification of its risks relating to each of its declared aims and objectives
42.
The bank finds it difficult to prioritize its main risks
43.
Changes in risk are recognized and identified with the bank's roles and responsibilities
44.
The bank is aware of the strengths and weaknesses of the risk management systems of other banks
45.
This bank has developed and applied procedures for the systematic identification of investment opportunities
46.
Personal information : Age
47.
Personal information : Years of experience
48.
Personal information : Nationality
49.
Personal information: Banking Industry
50.
Personal information: your position in the bank
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