Risk_Culture_Awareness_IBBPLC_Final new presentation.pptx

How to maintain risk culture in Bangladesh

1. Risk Culture & Awareness among Manpower of IBBPLC Based on Basel III, BB Guidelines & ESRM

2. Introduction Risk is part of banking. Risk culture = mindset + behavior. IBBPLC faced NPI, liquidity & trust challenges.

3. Why Risk Culture Matters Global lesson: 2008 crisis. Local lesson: weak governance issues. Without awareness → policies fail.

4. Basel III Framework Adequate capital to absorb shocks. Three Lines of Defence. Risk Appetite Statement. Disclosure & Transparency.

5. Bangladesh Bank Guidelines Core Risks: Credit, Market, Operational, Liquidity, IT. Stress Testing. ICAAP. Integrated Risk Management.

6. ESRM Guidelines Assess environmental & social impacts. Protect reputation & stakeholders. Align with SDGs.

7. Elements of Strong Risk Culture Tone from the Top. Accountability. Open Communication. Effective Challenge. Risk Function Stature. Compensation & Incentives.

8. Practical Steps for IBBPLC Awareness & Training. Daily Integration. Three Lines of Defence. Tools: Dashboards, Early Warning, Analytics.

9. Real-Life Scenarios Branch without proper analysis → high NPI. Ignored environmental risk → reputational damage.

10. Best Practices for IBBPLC Regular risk dialogues. Reward risk-conscious staff. Benchmark with peers. Measure & improve continuously.

11. Conclusion Risk culture = continuous journey. Every employee has a role. Stronger culture = fewer NPIs. Protects trust & reputation.

12. Key Takeaways Risk culture = mindset + behavior. Leadership & accountability are foundation. Awareness → Prevention → Trust. Strong culture = Stronger IBBPLC.