The Risk Assessment Questionnaire For Banks is a critical regulatory and risk management tool used by financial institutions operating in South Africa. It is designed to meet the requirements of the South African Reserve Bank (SARB), the Financial Sector Conduct Authority (FSCA), and other regulatory bodies, while incorporating international best practices including Basel III standards. The questionnaire should be completed periodically (typically annually or upon significant organizational changes) to assess various risk categories, control effectiveness, and compliance levels. It serves multiple purposes including regulatory reporting, internal risk assessment, and identification of areas requiring enhanced controls or oversight. The document is particularly important in the South African context given the sophisticated nature of the country's banking sector and its specific regulatory requirements.
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1. 1. Institution Information: Basic details about the bank including registration information, license numbers, and key contact personnel
2. 2. Organizational Structure and Governance: Details of corporate structure, board composition, risk management committees, and reporting lines
3. 3. Risk Management Framework Overview: General approach to risk management, risk appetite statement, and overall risk governance structure
4. 4. Credit Risk Assessment: Evaluation of credit risk policies, procedures, lending practices, and credit portfolio quality
5. 5. Market Risk Assessment: Assessment of trading activities, market exposure, and market risk management practices
6. 6. Operational Risk Assessment: Evaluation of operational processes, systems, controls, and incident management
7. 7. Liquidity Risk Assessment: Analysis of liquidity management practices, funding sources, and stress testing
8. 8. Compliance Risk Assessment: Review of regulatory compliance framework, AML/CFT measures, and compliance monitoring
9. 9. Technology and Cyber Risk Assessment: Evaluation of IT systems, cybersecurity measures, and digital resilience
10. 10. Risk Monitoring and Reporting: Description of risk monitoring processes, reporting mechanisms, and escalation procedures
1. Environmental Risk Assessment: Optional section for banks with significant exposure to environmental risks or ESG commitments
2. Cross-Border Risk Assessment: For banks with international operations or significant cross-border exposures
3. Islamic Banking Risk Assessment: For banks offering Islamic banking products and services
4. Trading Book Risk Assessment: Detailed section for banks with significant trading operations
5. Reputational Risk Assessment: For banks requiring specific focus on reputation management and stakeholder relations
1. Appendix A: Risk Rating Matrix: Detailed scoring criteria and risk rating methodology
2. Appendix B: Required Documentation Checklist: List of documents required to support risk assessment responses
3. Appendix C: Regulatory Reporting Templates: Standard templates for regulatory risk reporting
4. Appendix D: Risk Assessment Scoring Sheet: Quantitative scoring framework for risk evaluation
5. Appendix E: Control Testing Templates: Templates for testing and evaluating control effectiveness
6. Schedule 1: Risk Appetite Statements: Detailed risk appetite metrics and thresholds
7. Schedule 2: Key Risk Indicators: List of KRIs and their monitoring framework
8. Schedule 3: Incident Response Procedures: Procedures for responding to various risk events
Relevant legal definitions
Applicable Laws
Assessment Period
Authorized Officer
Basel III
Board of Directors
Capital Adequacy
Compliance Risk
Control Environment
Control Measures
Credit Risk
Cybersecurity Risk
Environmental Risk
Executive Management
Financial Intelligence Centre
Financial Sector Conduct Authority
Governance Framework
High-Risk Areas
Inherent Risk
Internal Controls
Key Risk Indicators
Liquidity Coverage Ratio
Liquidity Risk
Market Risk
Material Risk
Net Stable Funding Ratio
Operational Risk
Prudential Authority
Regulatory Requirements
Residual Risk
Risk Appetite
Risk Assessment
Risk Category
Risk Control Self-Assessment
Risk Framework
Risk Impact
Risk Level
Risk Likelihood
Risk Management
Risk Matrix
Risk Mitigation
Risk Owner
Risk Profile
Risk Rating
Risk Register
Risk Tolerance
SARB
Significant Risk
Stakeholders
Stress Testing
Systemic Risk
Technology Risk
Third-Party Risk
Assessment Period
Authorized Officer
Basel III
Board of Directors
Capital Adequacy
Compliance Risk
Control Environment
Control Measures
Credit Risk
Cybersecurity Risk
Environmental Risk
Executive Management
Financial Intelligence Centre
Financial Sector Conduct Authority
Governance Framework
High-Risk Areas
Inherent Risk
Internal Controls
Key Risk Indicators
Liquidity Coverage Ratio
Liquidity Risk
Market Risk
Material Risk
Net Stable Funding Ratio
Operational Risk
Prudential Authority
Regulatory Requirements
Residual Risk
Risk Appetite
Risk Assessment
Risk Category
Risk Control Self-Assessment
Risk Framework
Risk Impact
Risk Level
Risk Likelihood
Risk Management
Risk Matrix
Risk Mitigation
Risk Owner
Risk Profile
Risk Rating
Risk Register
Risk Tolerance
SARB
Significant Risk
Stakeholders
Stress Testing
Systemic Risk
Technology Risk
Third-Party Risk
Clauses
Confidentiality and Data Protection
Regulatory Compliance
Risk Assessment Methodology
Scoring Criteria
Documentation Requirements
Credit Risk Management
Market Risk Management
Operational Risk Management
Liquidity Risk Management
Capital Management
Corporate Governance
Internal Controls
Anti-Money Laundering
Counter-Terrorism Financing
Information Technology Risk
Cybersecurity
Business Continuity
Disaster Recovery
Third-Party Risk Management
Environmental and Social Risk
Reputational Risk
Strategic Risk
Legal and Regulatory Risk
Trading Risk
Settlement Risk
Cross-Border Risk
Conduct Risk
Financial Crime Risk
Human Resources Risk
Process Risk
Systems Risk
External Risk Factors
Internal Risk Factors
Risk Monitoring and Reporting
Risk Mitigation Measures
Compliance Testing
Audit Requirements
Regulatory Compliance
Risk Assessment Methodology
Scoring Criteria
Documentation Requirements
Credit Risk Management
Market Risk Management
Operational Risk Management
Liquidity Risk Management
Capital Management
Corporate Governance
Internal Controls
Anti-Money Laundering
Counter-Terrorism Financing
Information Technology Risk
Cybersecurity
Business Continuity
Disaster Recovery
Third-Party Risk Management
Environmental and Social Risk
Reputational Risk
Strategic Risk
Legal and Regulatory Risk
Trading Risk
Settlement Risk
Cross-Border Risk
Conduct Risk
Financial Crime Risk
Human Resources Risk
Process Risk
Systems Risk
External Risk Factors
Internal Risk Factors
Risk Monitoring and Reporting
Risk Mitigation Measures
Compliance Testing
Audit Requirements
Relevant Industries
Banking
Financial Services
Insurance
Investment Management
Credit Services
Financial Technology
Regulatory Compliance
Risk Management Services
Corporate Banking
Retail Banking
Relevant Teams
Risk Management
Compliance
Internal Audit
Executive Management
Treasury
Operations
Legal
Corporate Governance
Financial Control
Credit Risk
Market Risk
Operational Risk
Regulatory Reporting
Information Security
Business Continuity
Relevant Roles
Chief Risk Officer
Risk Manager
Compliance Officer
Internal Auditor
Chief Executive Officer
Chief Financial Officer
Risk Assessment Specialist
Regulatory Compliance Manager
Financial Controller
Bank Director
Head of Treasury
Operations Manager
Chief Internal Auditor
Banking Operations Officer
Risk Analytics Manager
Governance Officer
Chief Compliance Officer
Banking Supervisor
Risk Control Officer
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