{"id":17767,"date":"2021-11-11T12:01:43","date_gmt":"2021-11-11T11:01:43","guid":{"rendered":"https:\/\/www.amef-consulting.com?p=17767"},"modified":"2024-11-12T15:14:54","modified_gmt":"2024-11-12T14:14:54","slug":"regulatory-point-bank-and-management-of-operational-risks","status":"publish","type":"post","link":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/","title":{"rendered":"Regulatory Point : Bank and Management of Operational Risks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"17767\" class=\"elementor elementor-17767 elementor-12541\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ab89c5c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ab89c5c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ea9c17e\" data-id=\"2ea9c17e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75f0a10f elementor-widget elementor-widget-text-editor\" data-id=\"75f0a10f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>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.<\/p><p>Within this framework, 7 categories of operational risks have been defined capable of generating a loss for the bank, namely:<\/p><ul><li><strong>Category 1 : Internal Fraud<\/strong>\u00a0\u2013 these are losses resulting from misappropriation of assets, tax evasion, intentional mismarking of positions, bribery<\/li><li><strong>Category 2 : External Fraud<\/strong>\u00a0\u2013 these are losses resulting from theft of information, hacking damage, third-party theft and forgery<\/li><li><strong>Category 3 : Employment Practices and Workplace Safety<\/strong>\u00a0\u2013 these are losses resulting from discrimination, workers compensation, employee health and safety<\/li><li><strong>Category 4 : Clients, Products, and Business Practice<\/strong>\u00a0\u2013 these are losses resulting from market manipulation, antitrust, improper trade, product defects, fiduciary breaches, account churning<\/li><li><strong>Category 5 : Damage to Physical Assets<\/strong>\u00a0\u2013 these are losses resulting from natural disasters, terrorism, vandalism<\/li><li><strong>Category 6 : Business Disruption and Systems Failures \u2013<\/strong>\u00a0these are losses resulting from utility disruptions, software failures, hardware failures<\/li><li><strong>Category 7 : Execution, Delivery, and Process Management<\/strong>\u00a0\u2013 these are losses resulting from data entry errors, accounting errors, failed mandatory reporting, negligent loss of client asset<\/li><\/ul><p>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.<\/p><p>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)<\/p><p>Example: average Net Banking Income (2016-2017-2018) = 100<\/p><p>=&gt; Capital Requirement = 100 x 15% \u00a0= 15<\/p><p>=&gt; Amount of operational risk = 15 x 12.5 = 187.5<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d3002b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3002b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ecea464\" data-id=\"ecea464\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de8babc elementor-widget elementor-widget-shortcode\" data-id=\"de8babc\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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: Category 1 : Internal Fraud&nbsp;\u2013 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17773,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[59],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v21.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Regulatory Point : Bank and Management of Operational Risks - AMEF Consulting<\/title>\n<meta name=\"description\" content=\"AMEF Consulting : accompagnement strat\u00e9gique pour les institutions financi\u00e8res d&#039;Afrique et du Moyen-Orient.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulatory Point : Bank and Management of Operational Risks\" \/>\n<meta property=\"og:description\" content=\"AMEF Consulting : accompagnement strat\u00e9gique pour les institutions financi\u00e8res d&#039;Afrique et du Moyen-Orient.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\" \/>\n<meta property=\"og:site_name\" content=\"AMEF Consulting\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-11T11:01:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-12T14:14:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2019\/05\/Operationnel.png\" \/>\n\t<meta property=\"og:image:width\" content=\"807\" \/>\n\t<meta property=\"og:image:height\" content=\"520\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/person\/7bb13254fe9e02d0c8d0b912a13114aa\"},\"headline\":\"Regulatory Point : Bank and Management of Operational Risks\",\"datePublished\":\"2021-11-11T11:01:43+00:00\",\"dateModified\":\"2024-11-12T14:14:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\"},\"wordCount\":281,\"publisher\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#organization\"},\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\",\"url\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\",\"name\":\"Regulatory Point : Bank and Management of Operational Risks - AMEF Consulting\",\"isPartOf\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#website\"},\"datePublished\":\"2021-11-11T11:01:43+00:00\",\"dateModified\":\"2024-11-12T14:14:54+00:00\",\"description\":\"AMEF Consulting : accompagnement strat\u00e9gique pour les institutions financi\u00e8res d'Afrique et du Moyen-Orient.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.amef-consulting.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Regulatory Point : Bank and Management of Operational Risks\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.amef-consulting.com\/#website\",\"url\":\"https:\/\/www.amef-consulting.com\/\",\"name\":\"AMEF Consulting\",\"description\":\"Conseil en strat\u00e9gie et management - Strategy and Management Advisory\",\"publisher\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#organization\"},\"alternateName\":\"AMEF\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.amef-consulting.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.amef-consulting.com\/#organization\",\"name\":\"AMEF Consulting\",\"alternateName\":\"AMEF\",\"url\":\"https:\/\/www.amef-consulting.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg\",\"contentUrl\":\"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg\",\"width\":514,\"height\":304,\"caption\":\"AMEF Consulting\"},\"image\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.linkedin.com\/company\/amef-consulting\/\",\"https:\/\/www.youtube.com\/channel\/UCl0kR8Is0EBObFgCe-vRiCQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/person\/7bb13254fe9e02d0c8d0b912a13114aa\",\"name\":\"admin\",\"description\":\"Ac tortor vitae purus faucibus ornare suspenisse sed nisi. Pretium aenean pharetra magna ac placerat vestiulum lectus mau nean vel elit scelerisque mauris pellentesque pulvin mod elementum eleifend quam. Website:\u00a0https:\/\/demos.premiumthemes.in\",\"sameAs\":[\"https:\/\/amefblog.wd.tn\"],\"url\":\"https:\/\/www.amef-consulting.com\/en\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Regulatory Point : Bank and Management of Operational Risks - AMEF Consulting","description":"AMEF Consulting : accompagnement strat\u00e9gique pour les institutions financi\u00e8res d'Afrique et du Moyen-Orient.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/","og_locale":"en_US","og_type":"article","og_title":"Regulatory Point : Bank and Management of Operational Risks","og_description":"AMEF Consulting : accompagnement strat\u00e9gique pour les institutions financi\u00e8res d'Afrique et du Moyen-Orient.","og_url":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/","og_site_name":"AMEF Consulting","article_published_time":"2021-11-11T11:01:43+00:00","article_modified_time":"2024-11-12T14:14:54+00:00","og_image":[{"width":807,"height":520,"url":"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2019\/05\/Operationnel.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/#article","isPartOf":{"@id":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/"},"author":{"name":"admin","@id":"https:\/\/www.amef-consulting.com\/#\/schema\/person\/7bb13254fe9e02d0c8d0b912a13114aa"},"headline":"Regulatory Point : Bank and Management of Operational Risks","datePublished":"2021-11-11T11:01:43+00:00","dateModified":"2024-11-12T14:14:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/"},"wordCount":281,"publisher":{"@id":"https:\/\/www.amef-consulting.com\/#organization"},"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/","url":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/","name":"Regulatory Point : Bank and Management of Operational Risks - AMEF Consulting","isPartOf":{"@id":"https:\/\/www.amef-consulting.com\/#website"},"datePublished":"2021-11-11T11:01:43+00:00","dateModified":"2024-11-12T14:14:54+00:00","description":"AMEF Consulting : accompagnement strat\u00e9gique pour les institutions financi\u00e8res d'Afrique et du Moyen-Orient.","breadcrumb":{"@id":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.amef-consulting.com\/en\/2021\/11\/regulatory-point-bank-and-management-of-operational-risks\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.amef-consulting.com\/en\/"},{"@type":"ListItem","position":2,"name":"Regulatory Point : Bank and Management of Operational Risks"}]},{"@type":"WebSite","@id":"https:\/\/www.amef-consulting.com\/#website","url":"https:\/\/www.amef-consulting.com\/","name":"AMEF Consulting","description":"Conseil en strat\u00e9gie et management - Strategy and Management Advisory","publisher":{"@id":"https:\/\/www.amef-consulting.com\/#organization"},"alternateName":"AMEF","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amef-consulting.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.amef-consulting.com\/#organization","name":"AMEF Consulting","alternateName":"AMEF","url":"https:\/\/www.amef-consulting.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg","contentUrl":"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg","width":514,"height":304,"caption":"AMEF Consulting"},"image":{"@id":"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/amef-consulting\/","https:\/\/www.youtube.com\/channel\/UCl0kR8Is0EBObFgCe-vRiCQ"]},{"@type":"Person","@id":"https:\/\/www.amef-consulting.com\/#\/schema\/person\/7bb13254fe9e02d0c8d0b912a13114aa","name":"admin","description":"Ac tortor vitae purus faucibus ornare suspenisse sed nisi. Pretium aenean pharetra magna ac placerat vestiulum lectus mau nean vel elit scelerisque mauris pellentesque pulvin mod elementum eleifend quam. Website:\u00a0https:\/\/demos.premiumthemes.in","sameAs":["https:\/\/amefblog.wd.tn"],"url":"https:\/\/www.amef-consulting.com\/en\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts\/17767"}],"collection":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/comments?post=17767"}],"version-history":[{"count":0,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts\/17767\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/media\/17773"}],"wp:attachment":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=17767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=17767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=17767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}