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Risk Management

Overview

CP Bank has established its Risk Management Framework covering all risk management activities of the Bank. CP Bank is committed to building a safe and sound risk management system which is independent and incorporated best international practices in accordance with the Bank’s strategic objectives.

With respect to CP Bank’s Risk Governance, Risk Management Function has been developing an appropriate risk appetite statement for the Bank to be able to monitor and follow strategic objectives. Accordingly, material risks including credit, operational, liquidity and market risks are regularly monitored and effectively mitigated to ensure that the Bank always maintains its economic capital, regulatory capital adequacy, liquidity position, and other regulatory compliances.

Credit Risk Management

With the support of Fullerton Financial Holding Plc. partner, CP Bank has built prudent credit policies and robust MIS for credit products and customer segments and applied advanced risk measurement techniques such as credit stress test, measurement of concentration of risk and risk transition measurement by customer segment, etc. Credit risk mitigation instruments for credit portfolios have also been gradually developed. In addition, the risk assessment procedures used for financial institution counterparties have been implemented. All risk policies and procedures are regularly reviewed and systemized to facilitate risk management for different stages of the credit life cycle.

Operational Risk Management

CP Bank has been building a robust Operational Risk Framework including an Operational Risk Management policy, a loss data collection system, and key risk indicators (KRIs) to monitor risk exposures. In addition, the Bank has implemented risk and control self-assessment (RCSAs) activities to help constitute a risk culture in operational risk control across the bank. There are on-going RCSA workshops delivered to all functions and branches across the bank to enhance Operational Risk Management practices. For next phase, CP Bank will adopt one of three methods including Basic Indicator Approach, Standardized Approach, and Advanced Measurement Approaches under Basel II standards in measuring and calculating capital charges for operational risk.

Liquidity Risk Management

CP Bank fully monitors its liquidity position with monitoring metrics such as cash flow analysis, maximum cash outflows, liquidity stress tests, liquidity contingency plan that fully interlinked with Business Continuity Plan of the bank. These practices have been supporting the Bank in forecasting and reacting smoothly and effectively in normal and stressed scenarios and also help the Bank maintain a sound liquidity position. Additionally, to approach an international standard, CP Bank will adopt liquidity standards under Basel III in which key metrics such as Liquidity Coverage Ratio for short-term liquidity and Net Stable Funding Ratio for longer term liquidity will be integrated into liquidity risk management framework.

Market Risk Management

Under Market Risk Management practice, CP Bank has been building a robust market risk management framework covering core principles of market risk management and applied various measurement techniques such as Dollar Value 01, Duration Gap Analysis, Economic Value of Equity, Value-at-Risk, etc. CP Bank also has defined some management action triggers in place, under the risk appetite statement, to approach safe and sound practices of market risk management.

Summary

There is a serious commitment from CP Bank to build a robust Risk Management Framework to help the bank follow its strategic goals and objectives, through the economic cycle. We have been progressing step by step to develop all key items under the risk management framework. CP Bank commits to have the an appropriate risk management system which is constantly evolving in keeping with the risk profile of the Bank, and taking into account, changes in the external environment.

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