Namangan muhandislik pedagogika isntituti "menejment" kafedrasi ismatov r. O., Ahmedov o. T


STRATEGIC RISK MANAGEMENT PROVIDES A



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strategik menejment

 
9. STRATEGIC RISK MANAGEMENT PROVIDES A 
COMPREHENSIVE, REAL-TIME VIEW OF RISK 
The old ways of managing risk are becoming obsolete, due in large part to the 
continuing impact of the recent economic downturn – an environment marked by 
reduced spending, low interest rates and increased pressure to grow profitability. In 
this challenging operating environment, strategic risk management provides a real-
time, comprehensive view of risk. 
Most legacy risk management solutions focus on specific risks and regulatory 
requirements. This makes it difficult to quantify existing and emerging risks – and to 
understand the complex relationships among those risks. 
For example, what is the likely impact of reputational risk on capital and 
liquidity – or the impact of rising interest rates on income, credit and liquidity? What 
is the relationship between fraud or money laundering and credit risk – and the 
pressing risks associated with the implementation of new strategies? 
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All types and sizes of institutions can implement strategic risk management and 
likely achieve significant performance improvements. 
With no clear view of interconnected risks across the business, the answers to 
these and other risk-related questions remain a mystery for many institutions. This 
makes it difficult to refine and optimize strategies to increase performance, leverage a 
competitive advantage and meet growth targets. 
Legacy risk management solutions can also negatively impact regulatory 
compliance, especially as new requirements emerge for stress testing institutional 
strategies across a range of potential market scenarios. In particular, the inability to 
understand all of the risks facing an institution may make accurate risk assessments – 
and regulatory compliance – impossible to achieve. 
All of these challenges can be daunting for financial institution personnel, who 
may lack the specialized data integration and analytics sqills needed to successfully 
implement strategic risk management. This is not only the case for small institutions, 
typically constrained by budgets and staff, but also for departments in large financial 
institutions, which traditionally operate independently with very little support for 
cross-departmental data sharing or decision making. 

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