

The concept of Basel II operational risk refers to the risk of losses from inadequate or failed internal processes, people and systems or external events.
Within this framework, 7 categories of operational risks have been defined capable of generating a loss for the bank, namely:
At the level of Tunisian banks, the BCT Circular 2018-06 of 05 June 2018 in Chapter II on Operational Risks stipulates (Article 17) that the capital requirement for operational risks is equal to 15% of the average of the Net Banking Income calculated over the last three financial years.
The amount of the operational risks to be taken into account in the solvency ratio being equal to 12.5 times the capital requirement mentioned above (Article 10 of this circular)
Example: average Net Banking Income (2016-2017-2018) = 100
=> Capital Requirement = 100 x 15% = 15
=> Amount of operational risk = 15 x 12.5 = 187.5
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