Investor Presentaiton
Dedicated Market Intelligence Unit
(MIU) for sourcing intelligence
from external sources on
borrowers with exposure *100
Crores and above
Effective Risk Management Systems
ISO 9001: 2015
Bank's Risk Management practices and
processes have been accredited with
the ISO 9001: 2015 standard on
Quality Management Systems
Periodical monitoring
& reviewing of
risk profile of the
Bank.
02
Effective ALM/mid office to
monitor Liquidity risk/
Market risk on a
continuous basis.
03
Compliant with the extant
'Basel III' guidelines of RBI
04
RISKS
07
01
MANAGING
05
06
Enterprise level fraud risk
management system
(ELFRMS) to effectively
control prevent online
suspicious
transactions done by customers &
other digital channel
transactions. 50
Internal Credit Rating for
borrowers above 25 lakh
and 'Pool based Approach'
rating for borrowers
below 25 lakh & all schematic
advances including
agriculture.
'KBL96' rating model developed
for all sanctions under
digital journey.
Effective Operational risk
management by:
Building up a database
of internal Loss data,
near-miss cases and
other Operational risk
events,
since Sept 2007.
AML monitoring
system to scrutinize
the customer
transactions to ensure
compliance to the
extant guidelines
Karnataka Bank Ltd.
Your Family Bank. Across India.View entire presentation