Webinar by the World Union of Arab Bankers
The World Union of Arab Bankers (WUAB) organized a webinar entitled “Bank Risk Indicators” on the 16th and 17th of September 2021.
The webinar which was attended by more than 70 experts from 8 countries (Lebanon, Iraq, Egypt, Jordan, Qatar, Sudan, Syria and Yemen) was inaugurated by a welcoming speech by Dr. Joseph Torbey, Chairman, World Union of Arab Bankers and Mr. Wissam Fattouh, Secretary General, Union of Arab Banks and World Union of Arab Bankers
Bank risk indicators are a crucial strategic tool in the hands of the management, board and the different stakeholders to allow them situate the bank and take decisions. They enable:
- Status assessment, trend analysis and comparing to peers
- Benchmarking with best practice
- Comparing with the bank’s vision and objectives, analyzing gaps, revising and taking actions.
Risk indicators are easy to manipulate, amend, distribute and explain to all stakeholders.
Bank risk indicators encompass strategic indicators (capital ratios, profitability), credit (credit concentration, credit quality), liquidity and market risks (interest rate, foreign exchange), and operational risk indicators in its large sense (including legal, reputational, compliance, IT and cyber risks, BCP, etc.).
The workshop will go through some of the main risk indicators in use by banks, and will discuss the opportunities and limitations of risk indicators in today’s bank risk management.
At the end of the workshop, the participants became more familiar with:
- The risk management reporting process to the board and senior management
- A typical framework of reporting risk indicators
- A simplified definition of the main risk indicators
- Importance and limitation of risk indicators
Pascale Maksoud Dahrouge heads the Financial and Operational Risk Management Department at Byblos Bank Group since 2014.
During her 30 years’ career, Pascale has been involved in corporate and retail lending, credit risk and in risk management for the past 20 years, including the implementation of the Basel Capital Accords (Basel II, III) and IFRS9 ECL programs. Pascale is member of the ABL Risk Committee. Has participated in workshops with the ABL (Association of Banks in Lebanon), the UAB (Union of Arab Banks), the IMF and the Lebanese University.
Pascale holds a Master in Economics (Université Saint Joseph- Beirut) and an Executive-MBA (ESCP-Paris, ESA-Beirut). She is a certified Financial Risk Manager (GARP-USA).