Risk Management Alpha Sheet

9/11 1.9
A/AA/AAA/B/BB/BBB/C/ D/ A1/ A2/ A3/ A4/ D 6.16
Accept - Risk Treatment 2.21
Accept the inevitable and turn it into your advantage 1.2
Account receivable Days 6.33
Accounting Systems 9.19
Accounts Receivable 1.17|2.9
Acosta 1.9
Action 1.1| 3.16| 4.2
Action - Oriented 4.3
Actuarial Analysis 6.24
Additional Objective Information by person outside 2.4
Additional Risk 1.7
Advanced Management Approach 2.22
Agriculture and Allied Service Loans 6.7
Aguilar 2.20
Allocated Risk Capital 6.29
Alpha 6.28
Alternate Site 9.24
Altman Z Score 6.26
Amanda Dacosta 2.20
Ambiguity 1.15
Amortized Credit 6.3
Analysis of Process 2.10
Analytics- Risk Management Applications 9.34
Analyze the risk - Step by Step Process of RM 3.7
Annual Loss Exposure Value 2.8
Annual Report 7.9|7.10
Annual Staff Surveys 2.12
Anti Money Laundering/AML 9.34
Antivrus 7.20
Applications - risk classification 1.12
Approach 1.16
Approval 9.16
Artificial intelligence 9.32| 9.35
Ask and Check the reference 6.9
Asset Liability Management 9.35
Attribute 1.13
Audit Committee 2.29|7.4|7.6|7.10| 9.3| 9.8

Audit Risk 7.9

Audit Trail Reports 9.20
Auditors Responsibility In Operating Risk 9.3
Authorisation 9.16
Authorisation Matrix 4.6

Automated Controls 9.16

Avoid - Risk Treatment 2.21
B2B type of funding 6.4
B2C type of funding 6.4
Backtesting 5.4
Bank for International Settlement 6.2| 9.1
Bank Guarantee 6.7
Bankruptcy 6.24|6.26
Barclays Case Study 3.13
Basel 4.8
Basel Committee on Banking Supervision Principles for 5.13
Sound Stress Testing Practices and Supervision

Basel II 1.6|2.22|5.14|6.10|6.11| 9.1|

9.7| 9.28| 9.31
Basel III 1.7|6.30
Basis of Preparation and Presentation 4.15
Behavioural and organisational psychology 1.8
Benchmarking/Benchmark 2.12|6.28
Benefits of Risk Management Plan 3.10
Beta 6.28
Bhopal Disaster 1.8
Big Data Technologies 9.34
Bills Discounting 6.6
Binding Constraint 5.8
Black Swan 1.3
Blythe Masters 6.21
Board for Industrial and Financial Reconstruction 6.23
Board Level Consideration of Risk 7.16
Board of Directors - Determining Risk Appetite 3.3
Board of Directors/ Board/ Board Level 3.10|4.1|4.3|4.17|7.1|7.2|
7.3|7.10|7.16|7.18| 7.22|8.3|
8.4| 9.2| 9.5| 9.7| 9.27| 9.32

Bob Diamond 3.13

BoD Responsibility 3.3
Bootstrap Simulation 5.5
Bow Tie Analysis 2.11
Brainstorming 1.18|2.10
Brand Equity 2.23
Brexit Impact 7.14
Brickwork Rating India Private Ltd 6.16
Brown 2.20
Bucket 2.23|2.24
Bucketing 9.14
Budget - risk classification 1.12
Business Activities 4.13
Business Analytics 9.32| 9.35
Business Continuity and Disaster Recovery Framework 9.6

Business Continuity Risk/ Plan/BCP 1.21|2.24|4.20| 9.21

Business Credit Insurance 6.24
Business Cycle Stresses 5.12
Business Dictionary 1.4
Business Differentators 4.1
Business Disruption and System Failures 9.30
Business Event 1.2
Business Functions assessed from a risk perspective 2.3
Business Impact Analysis 2.24| 9.22| 9.23
Business information - risk classification 1.12
Business Model 4.12|7.17
Business Plan 1.18
Business Ratio 6.26
Business Risk 1.2|1.4|1.5|2.9|2.26|6.2|6.31

Business Risk - Classification 1.10

Business Risk - Impact 2.22
Business Risk Management 8.1
Business Risk Measurements 2.9
Call Tree 9.24
Callejas 1.9
Capacity - 5Cs 6.13
Capital - 5Cs 6.13
Capital Adequacy Rules 5.4
Capital Adequacy/Capital Adequacy Assessment 5.8|5.9
Capital Allocation 5.10
Capital Budgeting 3.12
Captain Daniel Seigenthaler 3.14
Captain Kevin Terry 3.16
Carrier Team One 3.13
Cash Credit 6.6
Cash Flow Analysis 6.32
Cash Settlement 6.22
Catalyst 3.14
Catastrophic 1.9|1.12|1.15
Catching the ball 1.18
Causal Factors 2.11
Causation, causality, Cause Analysis 2.10
Cause and effect 2.10
Cause and effect - Identification 2.13
Cause Model/Analysis 2.10
CDO 6.24
Chance Events 2.9
Change Management 9.19| 9.20
Character - 5Cs 6.13
Checklists 2.11
Chemical Accident 1.8
Chief Audit Executive 5.1| 8.5
Chief Financial Officer 5.1| 8.5
Chief Information Security Officer 9.27
Choice 1.1|3.1
CIMA 1.5|8.2
CISA 9.25
Classification of Assets 6.7
Classification of Business Risk 1.10
Classification of Risks 1.16
Cleve Butts 3.16
Client relationship risk 1.12
Clients, Products and Business Practices 9.28
Cluster Analysis 9.33
CNOOC 4.8
COBIT, ISACA 1.6
Code of conduct 9.9| 9.28
Coefficient 6.26
Cognitive Psychology 1.4
Coherent Risk Measures 5.5
Collateral 6.10|6.13|6.25
Collateral and Third Party Guarantee 6.3
Collateral Risk 6.3
Collateralized Debt Obligation 6.23
Collective Investment Scheme 6.11
Colour Coding 5.16
Combination of Numeral and Colour 5.16
Commitments 1.19
Companies Act, 2013 2.29|7.9| 9.2| 9.3
Comparison with other Organisations 2.12
Competitive 8.6
Competitive Landscape 4.1|4.10
Competitive Pressure 2.15|7.13
Complexity 1.15
Compliance 2.19|4.7
Compliance - COSO Risk Categories 1.11
Compliance Management 2.3
Compliance Procedures 4.6
Compliance Risk 1.20|3.3|9.35
Compliance risk assessment 2.4
Compliance/Compliance Committee 1.18|2.23|4.9| 8.6
Components of Credit Risk 6.2
Comtrol Risk 1.17
Concentration Risk / Management 6.18
Concomitant 9.33
Conditional VaR 5.6
Conditions 6.13
Confidence Level 5.2
Confidential Data/Confidentiality 9.26| 9.28
Consequence 2.25
Consistency 5.8
Consumer Loans 6.5
Consumer Preference 4.1
Contemporary Risk Management Strategies 4.2
Contingency Planning 5.9
Contractual Risk 1.12| 9.4| 9.11
Control Culture 3.5
Control Effectiveness 9.15

Control Measure 4.2

Control Owner 9.10
Control Score 1.11
Controllable/Non controllable 1.10| 1.19
Controls 2.8| 9.4| 9.15
Conventional Insurance 3.7
Co-participating 6.26
Cornelius Keating 1.6
Corporate Debt Securities 6.10
Corporate Debt/Bond Restructuring 6.23
Corporate Espionage 9.26
Corporate Governance Framework 7.21
Corporate Impact 1.13
Corporate Knowledge 2.12
Corporate objectives 1.9
Corporate Risk/Corporate Risk Management 1.9|7.17| 8.8
Corporations 7.2
Corrective Action 2.26| 4.3
Corrective Action Plan 6.18| 9.32
Corrective controls 2.8
Corrective Measures 4.18
Correlation 2.10
Corruption Perception Index 5.17
COSO 1.11|7.12|7.20|8.3
Cost - risk classification 1.12
Cost Implications 2.20
Countermeasure for Vulnerabilities 2.8
Countermeasures required 1.17
Counterparty Risk 6.1|6.11
Country Risk 1.21|5.14
Country Risk Assessment Tools 5.16
Country Risk Management Process 5.16
Covenants 6.12|6.15|6.25
Credibility 6.8
Credit Analysis and Research Ltd (CARE) 6.15
Credit Approval Matrix/Credit Matrix 6.13|6.14
Credit Concentration Analysis 6.18
Credit Default Spread 6.22
Credit Default Swaps/CDS 6.21|6.22|6.23
Credit Due Diligence for Retail Financing 6.14
Credit Due Diligence for Wholesale Financing 6.14
Credit Facilities 6.4
Credit Information Bureau India Limited (CIBIL) 6.15
Credit Insurance 6.12|6.24
Credit loss Estimation 6.19
Credit Officer 9.16| 9.19
Credit Protection 6.11|6.22
Credit Rating Information Services of India Limited 6.15
(CRISIL)
Credit Rating Scales 6.15|6.16
Credit Risk 1.7|1.17|1.19|6.1|6.2|6.4|
6.8|6.9
Credit Risk Analysis 6.2
Credit Risk Factors 6.4
Credit Risk in Banking Transactions 6.3
Credit Risk in Capital Market 6.2
Credit Risk managment 6.9
Credit risk Mitigation 6.12
Credit Risk Model 9.35
Credit Risk Rating Process 6.18
Credit Scoring Models 6.33|6.34
Credit Worthiness 6.11
CRILC/ Central Repository of Information on Large 6.18
Credits
Critical 1.12| 9.22
Critical Disruption 9.22
CRO/ Chief Risk Officer 2.33|7.2|7.4|7.18|8.3| 9.5
Cross Functional 2.12
Culture Monitoring Surveys 4.6
Current Ratio and Quick Ratio 6.33|7.11
Customer 2.15|2.23
Cyber Risk - Mitigation 9.27
Cyber Risk Mitigation 9.27
Cyber risk/Cyber Security 1.8|7.20| 9.6| 9.13| 9.25|
9.28
Cyclical LGD 6.21
Damage to Physical Assets 9.30
Dan Borge 6.30
Dash Boards 4.3
Data Security or Regulatory Breach 7.14
Data Security Risk 1.21
De - risk 3.7|4.2
Debt Service Coverage Service Ratio 6.31
Debt Service Ratio 5.16
Debt Servicing Capability 6.14
Debt-Equity Ratio 6.15|7.11
Debtors Turnover Ratio 7.11
Decision Making Tree Method 2.6|2.9
Decisions 1.2
Deep Learning and Reinforcement learning 9.33
Default Risk 1.19
Default/ Defualt Risk 6.2|6.20
Defence Models 9.7
Degree of Safety 6.16
Degree of uncertainty 1.2
Delegation 6.13
Delphi Approach 2.7
Delta Normal Method 5.2|5.4
Demand Loan 6.6
Democracy Index 5.17
Derivative 6.10
Detailed Appraisal note 6.14
Detective controls 2.8| 9.16
Detective Measures 4.18
Deterrent controls 2.8
Dimon 3.12
Direct Observations 2.12
Disaster 4.20
Disaster Recovery /Plan 4.18|4.20| 9.25
Disclosures and Transparency 7.21
Discriminant Analysis 6.26
Disruptive Start Up Culture 1.18
Distributed Ledger Technology 9.35
Diversification 6.12
Documented Knowledge 2.13
Doubtful Assets 6.8
Douglas Hubbard 1.14
Down selling 6.26
Downside Impact 1.3
Downturn LGD 6.21
Dreadful 1.9
Dual Hatting 7.3
Due Dilligence/Credit Due Dilligence 6.9|6.14|6.33|9.11|9.23
Dynamic Risk 1.17
Dynamic Risk Assessment 2.11
Early Default Alerts (EDA) 6.17
Early Warning Signals 6.17
Earthquakes 1.17
EBITDA % 6.31
EBITDA/Interest 6.31
Economic Capital 6.29
Economic Factos 1.10|2.15
Economic Risk 1.7
Economic Variable 5.15
Ecosystem 2.27|4.6
Effect 1.12
Effective Policy Framework 9.9
Effective Risk Management 2.26
Emotional intelligence 1.8
Employee 2.23|2.27|2.28
Employment Practices and Workplace Safety 9.28
End Use Computation Tool 9.4
Enterprise Resource Planning Package 2.29
Enterprise Risk Management/ERM 2.4|2.29|4.1|4.6|4.7| 7.12|
7.20|8.1|8.2|8.3| 8.8| 9.4

Enterprise Wide Stress Testing 5.8

Entity level policies 9.9
Entity's Risk Assessment process with respect to Financial 7.6
Reporting
Environmental Risk Analysis 1.8
Environmental Risk Assessment 1.8
Epstein and Rejc 2.19|2.29| 8.8
Equifax 6.15|6.35|6.36
ERM help organisations 8.2
ERM Leader 8.5
ERM Processes 8.5
ERM Vision 4.2
Escrow 6.25
Estimated Cost 1.17
Estimated Potential Loss 2.8
Ethical Climate Surveys 4.6
ETPS (Economic,Technical,Political,Social) 2.20
EU Accounts Modernisation Directive 4.16|7.12
European Union 2.19
EVA 6.30
Evaluate the risk - Step by Step Process of RM 3.7
Evaluating Credit Risk 6.8
Evaluating Risk inherent in Business function 2.14
Event Driven 5.17
Event Specific Tail Risks 5.12
Evil 1.3
EWS Matrix 6.17
Exception Triggers/Analysis 9.16| 9.21
Exchange Control Risk - Political Risk 5.15
Execution, Delivery and Process Management 9.30
Expected Loss 6.19
Expected Monetary Value 2.8|2.9
Expected Shortfall 5.6
Expected Tail Loss 5.6
Expense Delegation policy 9.9
Experian Credit Reporting Agency 6.35
Experian National Equivalency Score 6.36
Experiental Groups 2.12
Expert Judgement 2.9
Export Credit Insurance 6.24
Exposure 2.14
Exposure at Defualt 6.20
Exposure Risk 6.3
Expropriation Risk 5.15
External Debt to GDP 5.16
External Events 2.15
External Factors 1.2| 1.19
External Fraud 9.28
External Risk 1.10|2.15|9.12
External Stakeholders 2.27
Extreme Risks 1.3
Extremely High Risk 1.13
Eysenck 1.8
Factoring 6.6
Factors affecting Credit Risk 6.4
False Negative 6.27
Fault-tree Analysis 2.11
Feed 9.19
FICO Score 6.34
Finance - Risk Sources Matrix 2.16
Finance Lending Business 9.10
Finance Risk 1.7|7.15
Financial 2.3|2.23
Financial Loss 9.12
Financial Market 1.7
Financial Planning and Budgeting 5.9
Financial Ratios 6.25
Financial Reporting - COSO Risk Categories 1.11
Financial Reporting Council 3.4
Financial Reporting Error 9.12
Financial Reporting/Financial Reporting Risk 2.3|7.6|7.7|7.8|9.4|9.11
Financial Risk 1.7|1.19|5.15| 9.4| 9.11|
9.18| 9.25
Financial Risk - ERM Risk Category 1.11
Financial Risk - NASDAQ definition 1.7
Financial Stability Board 7.2
Financial Statement Analysis 6.31
Fire Fighting Mode 3.7
Firewall 9.27
Firm Wide Risk Management System 7.5
First line of defence 9.7
Fitch Ratings India Private Limited (Fitch) 6.15
Five C's of Credit 6.13
Fixed Asset turnover Ratio 6.31
Fixed Income Money Market and Derivatives Association 6.23
of India
Flowchart 2.10| 3.12
Fluctuation in Price Levels 1.17
Focus Area 9.8
Focussed Groups 1.4|1.18
Foreign Exchange Rate/Risk 1.20| 7.11
Fortune 500 3.9
Frank Knight 1.14
Fraud 1.6
Fraud Risk 1.21| 9.4| 9.11| 9.13| 9.14|
9.18
Free Market 1.7
Freedom in the World 5.17
French AFEP-MEDEF code 7.12
Frequency 1.12|2.25| 9.14
Frequency of iteration 2.4
Frequency of loss 2.9
Frog in the well 1.3
Fucntional Domains 1.12
Full Revaluation Method 5.4
Functional Recovery Plan/ FRP 9.23| 9.24
Fund based Facilities 6.4
Fundamental Risk 1.17
Fundamentals of Risk Management 1.16
Gap 1.11
GAS 5 4.16|7.12
Gini Coefficient 5.17
Global Financial Crisis 3.2
Global Peace Index 5.18
Global Risk Indicators 2.19
Global Risk Outlook 2.18
Gold Pledging 6.10
Governance - Risk Sources Matrix 2.16
Governance Functions 3.7
Governance Risk 1.21|7.1|7.2
Governance/Governance Functions 1.18|3.9|4.6|4.7|4.12| 9.7
Grade Based Rating 5.17
Granularity 9.9
GRC - Governance, Risk, Compliance 1.18
Group based models 6.7
Guidance on Supervisory Interaction with Financial 4.8
Institutions on Risk Culture
Hadoop Clusters 9.35
Harry S Truman 3.16
Harvard Business Review 1.16
Hazard 1.7|1.16
Healthy Balance 1.1|3.1
Heart 1.2| 7.16
Herd Mentality 2.11
Heuristically based 1.13
High Impact - High Probability 9.14
High Impact - Low Probability 9.14
High Mark Credit Information Services 6.15
High Profile Corporate Failures 1.3
High Risk 1.13
Historical 1.7
Historical Simulation 5.5
Holding period 5.2|5.4
Holistic 3.10|4.7|4.16
Homogeneity 5.6
Hot Wash 3.15
Hubbard 1.14
Human Development Index 5.18
Human factors 1.8|1.10|2.15
Hybrid Controls 9.16
Hypotheses 1.15
IBM Case Study 2.32
ICAI Guidance Note on Internal Financial Controls 7.6| 9.3

ICAI guide on Risk Assessment methodologies and 2.13

Applications
ICAI Internal Audit Guide 1.9
ICAI RBIA Guide 1.2| 1.6
Idea Funnel 1.18
Identification of Credit Risk 6.9
Identify the risk - Step by Step Process of RM 3.6
Illustrative Corporate Risks 1.9
Impact 9.14| 9.22
Impact Areas 2.23
Impact Assessment 2.5|2.20
Impact Category 9.10
Impact on Stakeholders involved in Business Risk 2.26
Implementing ERM 8.3
Implict Cost 6.8
Improved 8.8
Incident Analysis 2.12
Incremental Interest Rate 6.12
Independent Assessment of Risk Governance FW 7.6
Independent Directors 9.3
Indian Credit Rating Agency (ICRA) 6.15
Indicators 2.11
Industrial Accident 1.8
Inefficient Legal System - Political Risk 5.15
Inegration into Organisations Culture 3.14
Inequality 2.18
Infant Early Delinquencies 6.17
Information Memorandum 6.14
Information provided by Entity/ IPE 9.4
Information Security and IT Governance Circular 9.27
Information Security Policy/Controls 9.9| 9.25
Information System Audit and Control Professional 2.10
Information Technology General Controls 9.19
Information timing 1.7
Infrastructure 3.14
Inherent risk 1.11| 9.2| 9.10| 9.14| 9.15

Initial Buy-in 3.14

Innovation 1.3
Insignificant 2.24
Insolvency 6.24
Instantaneous 1.7
Institute of Internal Auditors 1.5
Institute of Risk Management 1.5|3.2
Institutional Investors 7.21
Institutional Investors, Stock markets, and other 7.21
intermediaries
Insurable 1.16|1.17
Insurance 2.21|2.22|3.1|3.10| 9.36
insurance Coverage 2.31
Insurance Mitigation 2.22
Insurers 6.24
Intangible 2.8| 2.9
Integrated Report/Integrated Reporting Key 4.9| 4.10|7.12
Integrating Risk in Strategic Planning Process 4.4
Integrating Risk with Performance 4.4
Integrity Leaders 4.9
Intellectual Property Risk 9.26
Interest Coverage Ratio 7.11
Interest Rate Risk 1.20
Internal Auditor/Internal Audit 2.12|7.5|7.8|8.4|8.7| 8.4|
8.6| 8.8| 9.4| 9.8| 9.28
Internal Control - subset of ERM 1.6|4.5
Internal Control Checklist 4.6
Internal Control Environment/ICE linkage to RM 4.5| 8.6
Internal Control/Internal Financial Control 4.2|4.5|4.6|4.7|7.11| 9.3| 9.4

Internal Credit Rating 6.13

Internal Events 2.15
Internal Factors 1.2| 1.19
Internal Fraud 9.28
Internal Rating Approach 6.11
Internal Risk 1.1| 1.10|2.15
Internal Stakeholders 2.27
International Committee 1.6
International Convergence of Capital Measurement and 9.1
Capital Standards
International Federation of Accountants/ IFAC 1.5|7.13
International Institute of Finance Report 4.8
International Integrated Reporting Council 4.9|7.13
International Swaps and Derivatives Association 6.23
Intuition 5.8
Inventory Days 6.33
Inventory Turnover 7.11
Investopedia 3.3
Investors 2.27
ISO 31000 1.5|7.20|8.3|8.4|9.5|7.20|9.5

ISO 31000 - Keys to implement ERM 8.4

ISO 31000 - Risk Management Standard 8.3
ISO 31000 - Purpose 7.12
ISO 31000 - RM - Principles and Guidelines on implement3.6
ISO Guide 1.5
Issues Directors may have to consider and questions they 7.16
should ask
IT Risk 1.8|4.18
ITES 9.22
Jensen's Index 6.28
John Greijmans 2.27
JP Morgan/ Case Study 3.12|6.21
Judgement and Intuition 2.7
Key controls 2.11
Key Risk Indicators/ KRI 4.2|9.5| 9.6| 9.7| 9.21
Keyman Risk 9.22
Keys 8.4| 8.5| 8.7
K-means clustering 9.33
Knight Capital Group 1.7
Knightian uncertainty and Knightian Sense Risk 1.14
Knowledge Management 2.3
Knowledge Risk - ERM Risk Category 1.12
Kodak Case Study 3.12
KRI Monitoring 9.21
KYC-AML/Know Your Customer- Anti Money 6.15| 9.11| 9.34
Laundering
Large Shock Events 4.2
Launch 3.14
Law of large numbers 6.24
Legal Risk 1.7|1.20| 9.1| 9.4| 9.11
Lessons Learned 2.13
Letter of Credit 6.7
Level 1 9.28
Level 2 9.28
Level 3 9.28
Level of Risk 2.25
LGD/ Loss given default 6.18|6.19|6.21
Liability Risk 1.16
Likelihood of Occurrence 1.2|1.8|1.17|2.10|3.14
Likelihood of Risk 1.14|2.21|2.25
Likely 1.12
Likely Impact 1.17
Limit Setting 5.9
Limitations of VaR 5.7
Line Managers 3.3
Line of business/ Departmental Policies 9.9
Linear Approximation/Non linear Approximation 5.4
Lines of Defence 9.7
Liquid Assets 6.27
Liquidity forecasting 9.35
Liquidity Risk 1.7|1.19
Listing Agreement, LODR 4.17|7.10| 9.3
Loan Originating System 9.18
Loewenstein 1.9
Logistic Regression 6.20
Long Run LGD 6.21
Loss Assets 6.8
Loss Reports, Loss Data 9.5
Loss Reserves 6.24
Loss, no loss or no gain 1.16
Low Impact - High Probability 9.14
Low Impact - Low Probability 9.14
Low Risk 1.13
Lupianez 1.9
Machine Learning 9.33
Macroeconomic Risk 7.14
Magnitude 1.2|1.7|2.23
Major 2.24
Major Impact 9.10
Major Risk 2.24
Malevolent 9.26
Management Attention 5.8
Management Discussion and Analysis 4.16|7.11|7.12
Management Risk 1.20
Manual Controls 9.16
Manufacturing Formulae 9.26
Manufacturing Process Manual 9.9
Marginal 1.12
Market Risk 1.7| 1.20|7.15
Market Risk - Sources 1.20
Market Risk- RBI definition 1.20
Mark-to-Market Accounting 6.24
Master Circular for Banks - Prudential Norms and Asset 6.8
Classification
Master Maintenance 9.19
Matt Durkin 3.16
Merton Model 6.27
Micro Finance Loans 6.7
Migration Risk 9.20
Minor 2.24
Minor Impact 9.10
Minor Risk 2.24
MIS 6.18| 9.16
Mitigating Credit Risk 6.9| 6.10
Model Risk 1.7
Moderate 2.24
Moderate Risk 1.13
Modern Portfolio Thoery 3.2
Money Laundering 9.34
Monitor and Review the risk - Step by Step Process of RM3.7
Monotonicity 5.6
Monte Carlo Analysis 2.9
Monte Carlo Simulation 5.5
Mortgage Backed Securities 6.23
Mortgage Loan/Home Loan 6.5
MPBF/ Maximum Permissible Banking Finance 6.5
Mumbai City 2.17
Mututal Fund 6.11|6.22
Naked CDS 6.21
NASA 3.14
NASDAQ 1.7
Nationalisation Risk - Political Risk 5.15
Natural Factors 1.10|2.15
Nature of Business 6.9
Nature of Impact 2.23
Naval Sea Systems Command 3.13
NAVSEA 3.13
Near Default Scenarios 5.12
Negative 6.17|7.5
Negligible 1.12
New Competitor locating nearby/entering the market 1.10|1.18
New Technology 1.10
New York Stock Exchange 7.9|7.12
New York Times 3.12
NGSB-NN 3.14
Non Compliance 1.2
Non fund Facilities 6.7
Non Performing Asset 6.8|6.17
Non Sampling Risk 7.9
Norfolk Naval Shipyard 3.16
Normal Stress Scenarios 5.11
Numeral Coding 5.16
Occassional 1.12
Occupational Health & Safety Advisory Services 1.7
/OHSAS
OECD Guidelines for Corporate Governance 7.20
OECD Guidelines for Effective Implementation 2.33|7.20
Off Balance Sheet Items 6.3
On Balance Sheet Netting 6.10
Onboarding Costly Capital 4.2
Opacity 6.27
Open Group Standard 1.12
Operaational Risk Originate 9.2
Operataing Linkages 9.6
Operating Efficiency 6.27
Operational 2.3|2.19
Operational - Risk Sources Matrix 2.16
Operational Factors 2.15
Operational Failures/ Operational Control Failures 9.10| 9.12
Operational Loss Data Management 9.27
Operational Loss Event - Identification 9.31
Operational Loss GL 9.31| 9.32
Operational Risk 1.7|1.20|2.22|3.3|7.15|9.7|
9.19|9.35
Operational Risk - ERM Risk Category 1.11
Operational Risk - Process Level 2.10
Operational Risk - Relevance 9.2
Operational Risk - Why does it originate? 9.2
Operational Risk Capital Charge 2.22
Operational Risk Events/Operational Loss Events 9.5|9.9|9.18|9.28|9.31
Operational Risk Management 9.2| 9.9| 9.21
Operational Risk Management Framework 9.8| 9.10| 9.28
Operational Risk Management Governance 9.5
Operational Risk Management Policy 9.5
Operational Risk Manager 9.18| 9.20| 9.24| 9.25
Operations - COSO Risk Categories 1.11
Opportunity Risk 1.17|1.18|7.11|7.15
Organisational Objectives 1.2|4.7

Organisational Overview and External Environment 4.10

Organisational Risks 2.19
Organisation's Exposure to Uncertainty 2.2
Organistional Assets 1.8
ORMC/Operational Risk Management Committee 9.5| 9.6| 9.7| 9.8| 9.12| 9.32

Outlook 4.15|7.11
Outsourcing 2.22| 9.20| 9.25
Over/Understatement of revenue 1.11
Overarching 9.2
Overdraft 6.5
Owners 2.27
Oxford English Dictionary 1.3|1.5
Pacheco Unguetti 1.9
Packing Credit 6.6
Parameters 6.13
Parameters of Prioritisation 9.22
Particular Risk 1.17
PAT % 6.31
Paul Hopkins 1.5|1.16
Payable Days 6.33
Performance 4.14
Performance Measurement and Management 5.10|6.30
Performance Review 6.17
Personal Loan 6.5
Personal Risk 1.16
Personnel Risk 1.12
PEST 2.20
PESTLE 2.20
PESTLIED 2.20
Phishing 9.26
Physical Controls 9.15
Physical Factors 1.10|2.15
Pillar 2 5.14
Pillar Model 6.11
PLUS Score 6.35
Point-in-time LGD 6.21
Polarization 2.19
Policies/Processes 6.12
Political Factors 1.10|2.15
Political Risk 5.15
Political Risk Insurance 6.24
Politically Exposed Person 6.15
Pooling Method 6.20
Portfoilio Risk Management 6.12
Portfolio Driven scenario 5.11
Portfolio Risk Management 6.17
Portfolio Risk Management - driven by ? 6.18
Positive and negative feedback 1.8
Postive 1.2| 6.17
Post-Shipment Packing Credit 6.6
Predictive Models 2.10
Premature Scaling 4.2
Prepearedness - Risk Sources Matrix 2.16
Pre-shipment Packing Credit 6.6
Preventative controls 2.8
Prevention of Money Laundering Act 9.11
Preventive Controls 9.16| 9.20
Preventive Measures 4.18| 9.28
Price Risk 1.21
Pricing 5.10
Primary Functions 3.6
Prioritization 2.20|2.26|8.8|9.27
Probabilistic Models 2.26
Probability 1.7|2.14|2.20|2.25|9.14
Probability and Impact matrix 2.5
Probability of Credit Default 6.12|6.18|6.19|6.20
Probability of occurrence 1.5|1.10|2.4
Probability&Relationship with Value of risk outcome 1.4
Process Notes 9.9
Process Risk 1.21
Procurement Policy 9.9
Profit Variation 2.9
Profitability 6.27
Project Management 1.17|3.11
Project Network 2.9
Project/Infrastructure Loans 6.6
Projections 2.10
Property and Casualty Insurance 6.24
Property Risk 1.16
Protectionist regimes 1.3
Puget Sound Naval Shipyard and Intermediate Maintenance3.16
Pure Risk 1.16
Qualitative Risk Analysis 2.4
Qualitative Risk Asessment 2.5
Qualitative Techniques 2.8
Qualitative Techniques of Credit Risk Management 6.25
Qualitative Tools 5.16
Quantification of Operational Loss Event 9.31
Quantification of Risk 2.4
Quantitative Risk Analysis 2.4
Quantitative Risk Assessment 2.5
Quantitative techniques 2.8|6.26
Quantitative Techniques of Credit Risk Management 6.25
Quantitative Tools 5.16
Quarterly 7.11
Questionnaire and Interviews 2.11
R Squared 6.28
Rand Corporation 2.7
Random Loss 6.3
Ransomware 9.26
RAROC/ Risk Adjusted Returns/Capital 6.28|6.30
Ratio of Import to Export 5.16
Ratio of import to official Reserve 5.16
Ratios and Financial Assessment 6.31
RBI Framework for Revitalising Distressed Assets in the 6.18
Economy
RBI Guideline (CDS, Operational Risk, Cyber Risk) 6.22. 9.5| 9.27| 9.31
RCM/ Risk and Control Matrix 9.10
Real Estate Construction Loans 6.7
Real Time risk/Analysis 1.7| 9.32
Recalibrates 1.3
Recessionary Economy 1.10
Reconciliations 9.15
Recovery of loss 9.32
Recovery Rate 6.4
Recovery Risk 6.3
Recovery/ Recovery Time 6.9| 9.23
Reduce/Manage - Risk treatment 2.21
Regression 9.33
Regulatory Regime 4.1
Regulatory Risk/Regulators 1.20|4.9|7.15| 9.4| 9.11|
9.18| 9.25
Regulatory Violation 9.12
Relationship based banking 6.7
Relevance of Operational Risk 9.2
Reliability centered maintenance 1.9
Reporting 2.19|3.3
Reporting of Operational Loss Event 9.32
Repudiation of Contracts - Political Risk 5.15
Reputation 2.23
Reputation Risk 1.20| 9.1
Reputational Loss 9.12
Reputational Risk 5.14| 9.4| 9.11

Reserve Bank Of India 2.11

Residual risk 1.11| 9.14
Responsibilities of Board 7.22
Responsibility 2.31
Restructure 1.15
Retail Financing 6.4|6.14|6.17
Retention - Risk Treatment 3.7
Retrospect and Process Maturity 3.14
Return on Assets 6.32
Return on Capital Employed 6.32
Return on Equity 6.32
Reverse Brainstoming 2.11
Reverse Stress Test Scenario 5.12|5.13|7.6
Rights and Equitable treatment of shareholders and key 7.21
ownership functions
Risco 1.1|3.1
Risicare 1.1|3.1
Risk 1.1|3.1|7.7
Risk - Categorisation 1.16
Risk - Definition 1.5
Risk - Definition by ERM 1.4
Risk - definition in Information Security 1.7
Risk - definiton by OHSAS 1.7
Risk - Functional Domain classification 1.12
Risk - jeopardize the achievement of objective 2.14
Risk - Meaning 1.2
Risk - Nature 1.16
Risk - Normal Classification 1.12
Risk - Sources of Identification 2.14
Risk - types 1.18
Risk Analysis 3.7
Risk Analysis Matrix/Scale 2.25
Risk and Capital Decision Process 5.10
Risk and Opportunity Reporting 4.15|7.13
Risk Appetite 1.11|3.3|3.8|5.8|5.9| 6.18|
7.2|7.12|7.16| 7.20| 8.3|8.4|
8.7| 9.10
Risk Appetite - Principles and Approach 3.4
Risk Appetite Framework 7.5
Risk Appetite Statement 5.9|7.5
Risk Appetite-Principles and Approach 3.4
Risk Architecture 3.8
Risk as a noun 3.1
Risk as a part of GRC 1.18
Risk as a verb 3.1
Risk Assessment 2.4|2.13|2.20|3.6|3.9|7.2|
7.7|7.12| 8.4
Risk Assessment Framework 7.5
Risk Assessment Procedures 1.6
Risk Attitude 3.3
Risk Attribute 1.13
Risk Averse 3.3
Risk Avoidance 3.11
Risk Aware 4.7|7.8| 8.6| 8.7
Risk Aware culture 2.11
Risk based Internal Auditing 7.8| 8.4| 9.4| 9.8
Risk based maintenance 1.9
Risk Based Pricing 6.12
Risk can arise or change due to 7.7
Risk can cause 1.5
Risk Capacity 3.3|3.4|7.2|8.4
Risk Categories by COSO 1.11
Risk Classification (ERM) 1.11
Risk Committee/Risk Management Committee 2.29|2.30|3.8|4.17|7.3| 7.10|
8.3| 9.7
Risk Communication 8.4
Risk Components 6.20
Risk Consequences 1.14|3.9
Risk Control 3.7|3.11
Risk Control Self Assessment (RCSA) results 9.5|9.6|9.7|9.10|9.11| 9.17|
9.21|9.31|9.32
Risk Culture/Risk aware Culture 4.7
Risk Defined 8.7
Risk Description 9.10
Risk Enabled 8.7
Risk Evaluation 2.13
Risk Evaluation - 3 Primary Questions 2.14
Risk Evaluation - Purpose 2.14
Risk Evaluation - what it should consider 2.26
Risk Event Maps 3.12
Risk Event Probability 2.8
Risk Event Value 2.8
Risk factor 4.2
Risk Financing 3.11
Risk Free Condition 5.6
Risk Gaming 2.33
Risk Governance framework 7.6| 9.2
Risk Grading 9.10| 9.12
Risk Heat Maps 3.12
Risk Identification 2.1|2.4|2.13|2.18|2.19| 3.6|
6.15|8.8
Risk Identification - Process of risk identification 2.13
Risk Identification and Assessment approaches 2.10
Risk Identification process - Participants 2.2
Risk Identification sets out to identify organisations 2.2
exposure to uncertainty
Risk Identification Surveys 2.18
Risk Identification Techniques 2.30
Risk Identification-the 1st step in the process of RM 2.1
Risk Impact 2.23|2.28
Risk in an organisational context 1.9
Risk is the probability of impact of the exposure 2.14
Risk- ISO Definition 1.5| 1.6
Risk Leader 1.1| 2.29|3.1
Risk Limits 7.5
Risk Managed 8.7
Risk Management 3.1|6.30|7.10|8.2|8.3| 8.4
Risk Management - Failure 2.33
Risk Management - Objectives 3.5
Risk Management - Process 3.5
Risk Management - Step by Step Process 3.6
Risk Management (no guarantee of being risk free) 8.3
Risk Management : History, Definition and Critique 3.1
Risk Management Capability 3.4
Risk Management Checklist - ISO 31000 3.8
Risk Management Culture 3.4
Risk Management Cycle 3.5
Risk Management Disclosures - a global case study 7.13
Risk Management Disclosures - Indian/Global 7.9|7.12
Risk Management Framework 1.7|2.11|2.28|2.29|3.5|3.10|
7.6|7.18
Risk Management Function 7.5
Risk Management Maturity 3.4
Risk Management Payoff Model 2.29| 8.8
Risk Management Plan 3.10
Risk Management Project Team 2.2
Risk Management Strategy alignement with Business 4.1| 4.2
Strategy
Risk Management Techniques 3.11|3.12
Risk Management Working Group 3.13|3.14
Risk Management-Importance/Link with Governance 3.9
Risk Manager 2.12|2.29| 2.30|3.1|4.7|
7.2|8.4
Risk Managment enables mgmnt to deal with.. 1.3
Risk Maturity /Risk Maturity Scale 8.4| 8.6| 8.7
Risk Measurement 5.9

Risk Mitigarion Plan 2.26

Risk Mitigation 2.10| 2.20|2.21|3.6|4.2|
6.10|6.15|7.20| 8.4| 8.8| 9.4

Risk Mitigation Controls 1.3

Risk Model 5.1| 8.5
Risk Monitoring 3.7|4.4
Risk Monitoring Practices 4.3| 8.8
Risk Naive 8.6| 8.7
Risk Neutral 3.3
Risk of Downturn 2.9
Risk Outcome 1.3
Risk Perception 1.4
Risk Philosophy 3.3
Risk Probability 2.5
Risk- Procedure for identification 2.15
Risk Profile 2.30|2.31|4.3|4.5|9.14
Risk Protocols 3.8
Risk Quantification 2.5|2.8|2.10| 9.31
Risk Quantification - Outputs 2.9

Risk Questionnaire 2.1|3.12

Risk Rating 2.24|2.26|9.12
Risk Register 2.1|2.11|8.4| 8.7| 9.10
Risk Reporting 5.8|5.9| 8.8| 9.32
Risk Response 2.20
Risk Return Trade Off 6.2
Risk Score/Scorecard 1.14|3.12|6.13|6.14|6.17|
6.34| 8.4
Risk Seeking 3.3
Risk Sources Matrix 2.16
Risk Strategy 3.8
Risk Tolerance 2.11|3.3
Risk Transfer 3.11
Risk Treatment 3.7
Risk Treatment Options 2.20
Risk Types 9.10
Risk Variables 2.2
Risk-adjusted Return on Capital 6.30
Risks and Opportunities 4.13
Risque 1.1|3.1
Robotics and Automation 1.3
Role of Risk Assessment w.r.t Financial Reporting 7.7
Role of Risk Manager and Risk Committee 2.29 | 2.30
Role of Stakeholders in Corporate Governance 7.21
Roll Forward/Roll back rates 6.17
Root Cause 8.7| 9.19| 9.27
Root Cause Analysis 2.12| 2.19
Root Cause Identification 2.19
RORAC/ Return on Risk Adjusted Capital 6.29
SA 315 1.4|1.5|1.6|2.3| 9.3
Safe Environment 9.29
Safety Risk/Hazards 1.21
Sales Growth Rate 6.31
Sampling Plan 2.10
Sampling/Sampling Risk 7.9
Sarbanes Oxley Regulations 9.4
Satutory Violation 9.12
Scenario Analysis 2.9|2.11|5.10|5.11| 9.21
Scenario Selection 5.12
Schedule - risk classification 1.12
Schedule Simulation 2.9
Scope - risk classification 1.12
Scoring 2.8
SEBI 2.29|4.3|4.17|7.10
Second line of defence 9.7
Securities and Exchange Commission 4.16|7.12
Securitized Assets/Securitization 5.14|6.11|6.25
Security Deposit 6.6
Security Margin Cover 6.17
Security Risk/Security Risk Managment 1.8|1.21
Segregation of Duties 9.15
Seldom 1.12
Sell Down 6.26
Senior Management 1.21
Sensitivity Analysis 2.9
Service Level Agreements 2.22
Severe 2.24
Severe Stress Scenarios 5.11
Severity 2.23|9.14
Shared Vision 3.5
Shareholder Value 1.2
Sharpe Ratio 6.28
Significant 1.5
Significant risk 1.4|1.13|3.9| 8.4
Silo Approach 8.7
Simulated Model 2.10
Simulation 2.9|2.33
SMA/ Special Mention Accounts 6.18
Smart Risk Management Strategies 4.2
SME Rating Agency of India Ltd (SMERA) 6.15
Sound Management of Operational Risk 4.8
Sound Risk Governance Practices recommended by FSB 7.2|7.6

Source Risk 1.7

Sovereign Risk 5.15
Spark Clusters 9.35
Special audit consideration 1.4
Special Purpose Vehicle 6.7
Specific Tools to identify Risks 2.20
Speculative Grade Corporate Bond 1.7
Speculative Risk 1.17
Spread 6.22
Stable 6.17
Staffing Risk 1.21
Stakeholder 1.2|1.3|2.27|2.28|2.29| 4.9|
7.21| 8.8
Stakeholder Analysis 2.12
Stakeholder Risk Analysis 2.28
Stakeholder Risk Management 2.29|8.8
Stakeholder Value Creation by ERM 2.29|8.8
Standard Assets 6.8
Standard Deviation 6.28
Standard Operating Procedures 4.6| 9.9
Standardised Approach 6.11
Standards 9.9
Standards of Internal Audit 1.11|7.8
Startup Disruption 1.3
Static Risk 1.17
Statistical Distribution 2.9
Statistical Method 6.20
Statistical Sampling 2.9
Statutory Risk 9.11
Steel Sector 7.14
STEEPLE 2.20
STEEPLED 2.20
STEP (Strategic Trend Evaluation Process) 2.20
Step by Step Process of Risk Management 3.6
STEPE Analysis(Social,Tech,Eco,Poli,Ecological) 2.20
Stockpile 1.15
Strategic 2.3
Strategic Blunders 4.2
Strategic Choice 4.3
Strategic Context 4.1|4.2
Strategic Execution 4.3
Strategic Planning 4.8|5.8|5.9
Strategic Risk 1.20|3.3|4.4| 9.1
Strategic Risk - ERM Risk Category 1.11
Strategy 2.23|3.3|4.4|4.5|7.2
Strategy and Risk Allocation 4.14|6.15
Stress Asset/Watchlist Asset Monitoring 6.18
Stress Scenarios 5.11
Stress Test Process 5.10
Stress Testing 5.7|5.8|5.13|6.10|7.6
Stress to Default Scenarios 5.12
Striking the right balance in Action and Reaction 7.20
Structural Method 6.20
Structured Interview 2.11
Structuring of Transaction 6.25
Subadditivity 5.6
Subset 1.6
Subsidiaries 7.5
Sub-Standard Assets 6.8
Substantive Test 7.9
Supervised learning/Unsupervised Learning 9.33
Supervisory Control 9.16
Supply Side Market 8.6
Support Vector Machines 9.33
Surplus/Deficit Balance 5.16
Surveys 2.12|4.6
Sustainable Value 2.27
SWOT 2.2|2.15|2.20
SWOT Analysis 2.4
Syndication 6.26
Synthetic Trading Portfolio 3.12
System Malfunctioning 9.17
System Risk and Exposure 2.8
Systematic Risk 1.20|6.28
Systems Security 9.29
Sytem Failure 9.18
Tail losses 5.7
Tail VaR 5.6
Talent - risk classification 1.12
Tandon Committee 6.5
Tangible 2.8
Taxes, Rules, and Regulation Risk - Political Risk 5.15
Technical Snag 1.18
Techniques of ERM 8.3
Technological factors 1.10|2.15
Technology - risk classification 1.12
Technology Assessment Competence 9.27
Technology Outsourcing Risk 9.20
Technology Risk 1.12| 1.21| 9.17
Term Loan 6.6
Terminate - Risk Management Technique 3.11
Terrorist Act/Terrorism 1.3|2.19
Test of Controls 7.9
Test-asttack 9.27
Theft 1.16
Theodore Roosevelt 3.2
Third Party Guarantee Risk 6.3
Thomas S Coleman 3.2
Threats 2.8|4.4
Through-the-Cycle LGD 6.21
Tightening 6.12
Tim Ferguson 3.16
Time - risk classification 1.12
Tolerance Testing 2.9
Tolerate - Risk Management Technique 3.11
Tony Harb B 2.10
Tools and Techniques for Risk Quantification 2.7
Top Down Exercise/Approach 2.1|4.7
Top Event 2.11
Total Assset Turnover 6.27
Total Debt/Tangible Net Worth 6.31|7.11
Trade Credit Insurance 6.24
Trade Secret 9.26
Traffic Signal Risk Card 2.5
Transaction pattern 9.34
Transactional Risk Management 6.12|6.13
Transfer/Share - Risk Treatment 2.21|3.11
Transparency 4.9|5.8
TransUnion 6.35
Treat the risk - Step by Step Process of RM 3.7|3.11
Two Way Risk 6.2
Type II error 6.27
Types of Credit facilities 6.4
UK Corporate Governance Code 3.4|4.16|7.12
UN International Strategy for Disaster Reduction 2.17
Uncertainty 1.2|1.3|1.6|1.14|1.15|1.16
Understand the reality 6.8
Understanding of Controls 9.15
Unexpected Loss 6.20
Unexpected Loss Measures 2.9
Unfunded Credit Risk Mitigation 6.11|6.12
Unilever 4.4
United Kingdom 2.19
Unknown Unknowns 1.15
Unlikely 1.12
Unscheduled Sysem Downtime 9.16
Unsecured 6.5
US Treasury Bond 1.7
US Treasury Notes 1.7
User Acceptance Testing/ UAT 9.20
User Access Control 9.19
USS Abraham Lincoln 3.16
Value 1.2|2.26
Value Protection 1.18
Vantage Score 6.35
VaR Conversions 5.3
VaR Parameters 5.4
VaR/ Value at Risk 3.12|5.1| 5.2| 6.30
Vendor 2.23
Verification 9.15
Vision 3.3|3.5|4.4|4.10
Vital Areas of Responsibility 7.8
Volatile 1.3| 4.9
Volatility 1.15|6.28
Vulnerabilities 2.8
Wannacry Ransomware 9.27
Warren Buffet 3.2
Webopedia 1.18
Webster's New Law Dictionary 8.2
What can go wrong exercise 2.3
What-if technique 2.11
Whistle Blower matters 7.2| 9.9
Wholesale Financing 6.4|6.14|6.17
Word Health Organization 2.17
Working Capital Analysis 6.32
Working Capital Loans 6.5
Working Groups 2.12
Workplace Health and Safety Professionals 2.12
Workshops 2.12
World Economic Forum 2.18
World War II 3.1
X1, X2, X3, X4, X5 6.27
Emerging Risk Situations 4.3
Action Oriented 4.3
Goal Alignment 4.3
ERM - Significance 4.3
Risk aligned to Strategy 4.3
Alignment of Risk with Strategy 4.3
Strategic Objective 4.3
ERM Models 4.3
Dashboards 4.3
Business Intelligence Tools 4.3
Enterprise Wide Pictorial Maps 4.3
Financial Services Industry 4.4
Risk Based Supervision Regime 4.4
Risk Management at core of Business Strategy 4.4
Embedded 4.4
Structural elements 4.4
Risk and Contro, Frameworks 4.4
Performance Management 4.4
Operational Process Execution 4.4
Compliance and assurance activities 4.4
Risk Events 2.9|4.4
Cyber Attack 4.4
Firewall Device 4.4
Cloud Computing Solutions 4.5
Risk Awareness 4.5
Informed Decisions 4.5
Internal Control Assurance Programs 4.5
Internal Control Evaluations 4.5
Business Performance Indicators 4.5
Customer Attrition 4.5
Employee Turnover 4.5
Profitability of Customer by regional segments 4.5
Mission Critical Business Processes 4.5
Contingency Plans 4.5
Corporate Governance 4.5
ERM Subset of Corporate Governance 4.5
Corporate Governance Standards 2.34
Entity level controls 4.6
Financial Closure 4.6
ERM, IC, ICE similar objectives 4.6
Ensuring reliable Financial Reporting 4.6
Efficient use of resources 4.6
Compliance with the laws 4.6
Improving performance 4.6
Business Strategy aligned 4.6
operational and Transactional Driven 4.6
Entity specific control strategies 4.6
Process specific control strategies 4.6
Internal Control is subset of Risk Management 4.6
Postitive Risk 4.6
Negative Risk 4.6
Risk Management and IC work together/pillars of.. 4.6|4.7
Effective Governance Structures 4.7
Performance focused risk management 4.7
Stakeholder Value 4.7
Internal Control is a subset of ERM 4.7
Highest Executive 4.7
ERM and IC are interconnected not interchangeable 4.7
Complementary Tools 4.7
Bottom up Approach 4.7
People are cornerstones for risk management 4.7
Corporate Memory 4.8
Risk Culture definiton Basel, Reform in the industry 4.8
Performance Measurement 4.8
Sustainable business practices 4.8
Reform in the financial service industry : Strenghtening Pr 4.8
Sound Risk Culture 4.8
Risk - reward Balance 4.8
Data Accuracy 4.8
Risk Culture Development - Risk Focus Integrity 4.8
Energy Sector 4.8
Prevention of Improper Payments Standard 4.8
High Risk Payments 4.8
Risk based Prevention of Improper Payments Training 4.8
Integrity and Compliance Group 4.8
Integrated Risk Reporting 4.9
Stakeholder Responsibilities 4.9
Ballooning 4.9
Risk Management Disclosures 4.9
Timeliness 4.9
Depth 4.9
Quality 4.9
Strait-jacketed 4.9
Standardised manner 4.9
Risk Disclosure Norms 4.9
Content Elements 4.10
Culture, Ethics and Values 4.10
Ownership and operating Structure 4.11
Principal activities and Markets 4.11
Position within the Value Chain 4.11
Key Quantitative information 4.11
Significant Factors 4.11
Governance - How does the organisation's Governance Struct 4.12
gement Alpha Sheet
 Risk Management Alphabetical index sheet
student

Particulars SM pg no notes Particulars

A
7.9 O
Audit Risk 1.6 Operational Risk
Audit Risk
Alpha 6.28
Allocated Risk Capital 6.29
Auditors Responsibility In Operating Risk 9.4
Authorisation / Approval 9.16
Audit Committee 7.4
Ambiguity 1.16
Artificial Intelligence 4.12

Business Risk 1.5

Process Notes / Sop

Business Risk 1.5

B
Beta 6.23 Political Risk
Bootstrap Simulation 5.5 Pestle
Brainstorming 2.11 Price Risk
Business Continuity Risk 1.22 Process Risk
Business continuity plan 9.21 Pure Risk / Hazard Risk
Business Impact Analysis 1.22 , 2.24 Particular Risk
Board Of Directors Responsibility 7.3 Problem Of Default ( Default Risk)
Brexit Impact 7.14 Population
Business Risk Management 8.2 Pillar 2 - Basel 2
Bow -Tie Analysis 2.12 Physical Control

P
Business Function To Be Assessed From Risk 2.3 Packing Credit
Perspective Portfolio Risk Management 6.17

Chemical Accident 1.8 Preventive Control

Control 9.15 , 2.8 Phishing
Change Management 9.19 Paul Hopkins Risk Categorisation
Concentration Risk 6.18

C
Q
Credit Risk Management 6.19 Qualitative Risk Assessm
Matrix)
Cyber Risk 9.25 Risk Quantification Technique
Chief Risk Officer 7.5 Questionnaires / Interview
Credit Risk (Also Called As Counter Party Risk) 6.29 , 1.20
Collateral Risk ( Part Of Recovery Risk) 6.3
Credit Default Swap 6.21 Risk - Narroe Or Large Scope
Credit Default Spread 6.22

Risk Definitions
R
 Credit Insurance 6.24 Risk Tolerance
Credit Score 6.33 Risk Pat Of Governance Risk And Compli
Coherent Risk Measure 5.6 Risk Management
Country Risk 5.15 Risk Appetite

Country Risk 1.22

Risk - Erm Classification ( Strategic , Operational,
Financial, Knowledge)
Compliance Risk 1.21 Risk Categories - Coso
Controllable Risk 1.11 Risk Factors
COSO Risk Framework 1.11 Risk Capacity
Control / Uncertainity Risk 1.16 Risk And Controlmatrix
Counterparty Risk 6.2 Risk Control Self Assessment
Credit Risk + Risk Return Tradeoff 6.2 Risk Grading / Rating
Components Of Credit Risk 6.3 Risk Appetite
Credit Risk Factors 6.4 Risk Register
Classification Of Asset (Standard , Sub Standard) 6.3 Risk Maturity
Collateral 6.1
Risk Management Function ( Risk Appetite Framework)
Covenants / Condition 6.25
Risk Management Framework ( Independent Assest
Of Risk Governance)

Call Tree 9.24 Risk & Opp Reporting

CRO 7.5 Risk Consideration By Directors
Complexity 1.15 Risk Evaluation
Compliance Management 2.4 Risk Arhictecture
Checklists 2.11 Risk Strategy
Clustering 4.11 Risk Protocols
Risk Source Matrix 2.16
Default 6.2 Risk Heat Maps
Default Risk 6.3 , 1.20 Risk Identification
DELPHI Approach 2.8 Risk Assessment
Dynamic Risk 1.17 Risk Measurement
Due Diligence 6.14 Risk Quantification
Down Selling 6.26 Risk Mitigation
Detective Control 9.16 Risk Mangement Disclosures
Decession Tree 2.9 Root Cause Analysis
Distributed Ledger Technology 4.19 Regulatory Risk
Reputation Risk 9.11
Exception Analysis 9.16 Residual Risk
Enterprise Risk Management 8.2 Recovery Risk
Erm - Coso Framework 8.3 Real Time Risk
Erm Activities 8.4 RAROC
Erm 1.5 RORAC
Exposure Risk 6.3 R - Squared
Entity Risk 1.23 Regulatory Risk
Eternal Risk 1.1 Reputation Risk
Expropriation Risk 5.15 Risk And Opportunity Reporting
Exchange Control Risk 5.15 Residual Risk
Erm Risk Class-4-Strat, Operational , Financial 1.12 Risk Return Tradeoff 6.2
Knowledge
Expected Loss / Random Loss 6.4 Retail Financing
External Factors (Factors Affecting Credit Risk) 6.4 Risk Mitigation - Basel 2
Economic Capital 6.29 Risk Based Pricing
Expected Monetary Value 2.9 Revitalising Distressed Assets In Econom
Risk Adjusted Returns 6.27

D
E

D
Financial Risk 1.7 Reconcilliation
Financial Risk 1.2 Ransomware
Financial Risk 9.11 Risk Committee
Financial Reporting 9.11 Reverse Brainstorming
Fraud Risk 9.11 RM Objective
Financial Risk Situation 2.3 RM Cycle
Fault Tree Analysis / Reverse Brain Storming 2.12 RM Principles As Per Iso- 31000
Fraud Risk 1.22 RM Process Steps
Foreign Exchange Risk 1.21 RM Checklist- Iso 31000
Financial Risk 1.2 RM Importance
Fundamental Risk 1.17 Hostile Rm Framework
Fund Based Facility 6.5 RM Techniques
Funded Credit Protection 6.1

F
Functional Recovery Plan 9.23 Stakeholders

Governance Risk 7.2 Standard Operating Measures

Global Risk 2.19 Sampling Risk
Governance Risk 1.22 Special Mention Accounts
Guarantee Risk ( Part Of Recovery Risk) 6.3 Sharpe Ratio
Stress Testing 5.2 , 7.6
Historical Simulation 5.5 Scenario Analysis

G
1.16 Simulation

Hazard / Pure Risk ( Fundamental, Particular,

H
I
Dynamic)
Heat Maps ( Risk Heat Maps) 3.12 Service Level Agreements

Security Risk
IT Risk 1.8 , 1.6 Strategic Risk
Integrated Reporting Framework (Irf) 7.12 Staffing Risk
Inherent Risk 9.10 , 1.11 Security Risk
Internal Audit 7.8 Safety Risk
Internal Auditor Responsibility 7.9 Speculative / Opportunity Risk
Insurance 2.20,9.32,3.10 Sell Down / Syndication / Co Participa

Internal Control ( Sa 315) 9.3 Statutory Risk

Internal Financial Control 9.3 Segregation Of Duty
Intellectual Property Risk 9.25 Supervisory Control
Impact Of Business Risk 2.23 Sources For Identification Of Risk
Interest Rate Risk 1.21 System Malfunction
Internal Risk Factors 1.1 System Failure Pertains To Incorrect
Internal Factors ( Factors Affecting Credit Risk) 6.4 Systematic Risk
SWOT Analysis
Knowledge Risk 1.12 Soverign Risk
Key Risk Indicators 9.2

K
Knowledge Management 2.4 Technology Risk

Legal Risk 9.11, 1.21 Third Party Guarantee Risk

Liquidity Risk 1.2 Traffic Signal Risk Matrix
Loss Given Default 6.21 Technology Risk

L
Line Of Defence - Basel 2 9.7 Two Way Risk
Logical Regressions 6.2 Transition Risk Management
Threat 2.8

M
Migration Risk 9.2
Monte Carlo Simulation 5.5 Uncertainity Risk
Management Risk 1.21 Uncontrollable Risk
Market Risk 1.2 Uncertainity Control Risk

U
Maximum Permissible Banking Finance (Tandom 6.5 Unscheduled System Downtime
Committee)
Measurement Of Credit Risk 6.4 User Access Control
Manual Control 9.16
Master Maintenance 9.18 Value At Risk
Malevolent Attack 9.25

Verification
V
Management Discussion And Analysis 7.11 Vuca
Volatility 1.15
Non Fund Facilties 6.7 Vulnerability
Non Sampling Risk 7.1

N
W
tical index sheet studentn

Particulars SM pg no
notes otes

O
Operational Risk 9.2
Operational Risk 1.6
Operational Risk 1.21, 1.12
Operational Risk Management 9.3
Outsourcing Risk 9.24
Outsourcing 2.22
Opportuinty / Speculative Risk 1.16
On Balance Sheet Netting 6.1
OECD Guide Lines (Effective Implementation) 2.32
OECD Guide Lines (Corporate Governance) 7.2

Process Notes / Sop 9.9

Political Risk 5.15

Pestle 2.2
Price Risk 1.22
Process Risk 1.22
Pure Risk / Hazard Risk 1.16
Particular Risk 1.17
Problem Of Default ( Default Risk) 6.3
Population 4.2
Pillar 2 - Basel 2 5.15
Physical Control 9.15

Packing Credit 6.6

anagement 6.17

Preventive Control 9.16

Phishing 9.26
Paul Hopkins Risk Categorisation 1.16

Qualitative Risk Assessment ( Traffic Signal Impact 2.6

Matrix)
Risk Quantification Technique 2.7
Questionnaires / Interview 2.11

Risk - Narroe Or Large Scope 1.2

Risk Definitions 1.3, 1.4,1.5,1.8

R
 Risk Tolerance 1.15
Risk Pat Of Governance Risk And Compliance 1.19
Risk Management 3.2 , 1.3, 3.9
Risk Appetite 3.4

cation ( Strategic , Operational, 1.12

Risk Categories - Coso 1.11

Risk Factors 1.2
Risk Capacity 3.4
Risk And Controlmatrix 9.1
Risk Control Self Assessment 9.1 , 9.17
Risk Grading / Rating 9.12
Risk Appetite 8.4 , 3.3
Risk Register 8.5
Risk Maturity 3.7
Function ( Risk Appetite Framework) 7.5
Framework ( Independent Assest 7.6

Risk & Opp Reporting 7.13

Risk Consideration By Directors 7.16
Risk Evaluation 2.15 , 2.26
Risk Arhictecture 3.8
Risk Strategy 3.8
Risk Protocols 3.8
6
Risk Heat Maps 3.12
Risk Identification 2.2 , 2.11
Risk Assessment 2.5 , 2.6
Risk Measurement 2.5
Risk Quantification 2.10 , 2.5 , 2.7
Risk Mitigation 2.21
Risk Mangement Disclosures 7.1
Root Cause Analysis 2.2
Regulatory Risk 9.11
11
Residual Risk 9.14
Recovery Risk 6.3
Real Time Risk 1.7
RAROC 6.3
RORAC 6.24
R - Squared 6.23
Regulatory Risk 1.21
Reputation Risk 1.21
Risk And Opportunity Reporting 7.13
Residual Risk 1.11
Risk Return Tradeoff 6.2

Retail Financing 6.5 , 6.14

Risk Mitigation - Basel 2 6.1
Risk Based Pricing 6.12
Revitalising Distressed Assets In Economy 6.18
27
 Reconcilliation 9.15
Ransomware 9.26
Risk Committee 7.4 , 7.11
Reverse Brainstorming 2.12
RM Objective 3.5
RM Cycle 3.6
RM Principles As Per Iso- 31000 3.6
RM Process Steps 3.6 , 3.7
RM Checklist- Iso 31000 3.8
RM Importance 3.9
Hostile Rm Framework 3.10
RM Techniques 3.11

Stakeholders 2.27

Significant Risk
S
Standard Operating Measures 9.91.4
Sampling Risk 7.9
Special Mention Accounts 6.18
Sharpe Ratio 6.28
, 7.6
Scenario Analysis 9.21,5.12, 2.9,2.11

Simulation 2.9

Service Level Agreements 2.22

Security Risk 1.8

Strategic Risk 1.21,1.12,2.
Staffing Risk 3
1.22
Security Risk 1.22
Safety Risk 1.22
Speculative / Opportunity Risk 1.18
Sell Down / Syndication / Co Participating / Securitisation 6.26

Statutory Risk 4.11

Segregation Of Duty 9.15
Supervisory Control 9.15
Sources For Identification Of Risk 2.15
System Malfunction 9.17
System Failure Pertains To Incorrect Programme 9.18
Systematic Risk 1.21
SWOT Analysis 2.16
 Soverign Risk 5.16

Technology Risk 9.17

Technology Outsourcing Risk

T
Third Party Guarantee Risk 6.39.2
Traffic Signal Risk Matrix 2.6
Technology Risk 1.22

Two Way Risk 6.2

Transition Risk Management 6.13
8

Uncertainity Risk 1.14,1.15

Uncontrollable Risk 1.11
Uncertainity Control Risk 1.16

Unscheduled System Downtime 9.12

User Access Control 9.19

Value At Risk 6.29,5.2

Verification 9.15
V
Vuca 1.15
15
Vulnerability 2.8

What If Analysis
2.11
Wholesale Financing
6.5,6.14
 Risk Management Alpha Sheet
9/11 1.9

A L
A/AA/AAA/B/BB/BBB/C/ D/ A1/ A2/ A3/ A4/ D 6.16
Accept 2.21 Law of large numbers 6.24
Account receivable Days 6.33 Legal Risk 1.20| 9.1| 9.4| 9.11
Accounting Systems 9.19 Lessons Learned 2.13
Actuarial Analysis 6.24 Letter of Credit 6.7
Advanced Management Approach 2.22 Level 1 9.28
Agriculture and Allied Service Loans 6.7 Level 2 9.28
Allocated Risk Capital 6.29 Level 3 9.28
Alpha 6.28 Level of Risk 2.25
Alternate Site 9.24 LGD/ Loss given default 6.18|6.19|6.21
Altman Z Score 6.26 Liability Risk 1.16
Amanda Dacosta 2.20 Likelihood of Risk 1.14|2.25
Ambiguity 1.15 Likely 1.12
Amortized Credit 6.3 Limit Setting 5.9
Analysis of Process 2.10 Lin of business/ Departmental Policies 9.9
Analytics- Risk Management Applications 9.34 Linear Approximation/Non linear Approximation 5.4
Analyze 3.7 Lines of Defence 9.7
Annual Loss Exposure Value 2.8 Liquid Assets 6.27
Annual Report 7.9|7.10 Liquidity forecasting 9.35
Antivrus 7.20 Liquidity Risk 1.19
Approval 9.16 Listing Agreement, LODR 4.17|7.10| 9.3
Artificial intelligence 9.32| 9.35 Loan Originating System 9.18
Asset Liability Management 9.35 Logistic Regression 6.20
Attribute 1.14 Long Run LGD 6.21

Audit Committee 2.29|7.4|7.6|7.10| 9.3| 9.8 Loss Assets 6.8

Audit Risk 7.9 Loss Reports, Loss Data 9.5

Audit Trail Reports 9.20 Loss Reserves 6.24
Authorisation 9.16 Loss, no loss or no gain 1.16
Authorisation Matrix 4.6 Low Risk 1.13
Automated Controls 9.16
M
Avoid 2.21 Machine Learning 9.33
Major 2.24
B
B2B type of funding 6.4 Major Impact 9.10
B2C type of funding 6.4 Major Risk 2.24
Backtesting 5.4 Malevolent 9.26
Bank for International Settlement 6.2| 9.1 Management Discussion and Analysis 4.16|7.11|7.12
Bank Guarantee 6.7 Management Risk 1.20
Bankruptcy 6.24|6.26 Manual Controls 9.16
Barclays Case Study 3.13 Manufacturing Formulae 9.26
Basel 4.8 Manufacturing Process Manual 9.9

Basel Committee on Banking Supervision Principles for 5.13 Marginal 1.12

Sound Stress Testing Practices and Supervision

Basel II 1.6|2.22|5.14|6.10|6.11| 9.1| Market Risk 1.20|7.15

9.7| 9.28| 9.31
Basel III 1.7|6.30 Mark-to-Market Accounting 6.24
Basis of Preparation and Presentation 4.15 Master Circular for Banks - Prudential Norms and Asset 6.8
Behavioural and organisational psychology 1.8 Classification
Master Maintenance 9.19
Benchmarking/Benchmark 2.12|6.28 Merton Model 6.27
Benefits of Risk Management Plan 3.10 Micro Finance Loans 6.7
Beta 6.28 Migration Risk 9.20
Bhopal Disaster 1.8 Minor 2.24
Big Data Technologies 9.34 Minor Impact 9.10
Bills Discounting 6.6 Minor Risk 2.24
Black Swan 1.3 MIS 6.18| 9.16
Blythe Masters 6.21 Mitigating Credit Risk 6.9
Board for Industrial and Financial Reconstruction 6.23 Moderate 2.24
Board Level Consideration of Risk 7.14 Moderate Risk 1.13
Board of Directors/ Board/ Board Level 3.3|3.10|4.1|4.3|4.17|7.1| Monitor and Review 3.7
7.2|7.3|7.10|7.16|7.18| 7.22|
8.3|8.4| 9.2| 9.5| 9.7| 9.27|
9.32

Bootstrap Simulation 5.5 Monotonicity 5.6

Bow Tie Analysis 2.11 Monte Carlo Analysis 2.9
Brainstorming 2.10 Monte Carlo Simulation 5.5
Brand Equity 2.23 Mortgage Backed Securities 6.23
Brexit Impact 7.14 Mortgage Loan/Home Loan 6.5
Brickwork Rating India Private Ltd 6.16 MPBF/ Maximum Permissible Banking Finance 6.5
Bucketing 9.14 Mumbai City 2.17

Business Analytics 9.32| 9.35 Mututal Fund 6.11|6.22

Business Continuity and Disaster Recovery Framework 9.6
N
Business Continuity Risk/ Plan/BCP 1.21|4.20| 9.22 Naked CDS 6.21
Business Credit Insurance 6.24 NASDAQ 1.7
Business Cycle Stresses 5.12 Nationalisation Risk 5.15
Business Disruption and System Failures 9.30 Natural Factors 1.10
Business Functions from a risk perspective 2.3 Naval Sea Systems Command 3.13
Business Impact Analysis 2.24| 9.22| 9.23 Negative 4.6|6.17|7.5
Business Model 4.12|7.17 Negligible 1.12

Business Ratio 6.26 New York Stock Exchange 7.9|7.12

Business Risk 1.2|1.4|1.5|1.10|2.9| 2.22| Non fund Facilities 6.7
2.26|6.2|6.31
Business Risk Management 8.1 Non Performing Asset 6.8|6.17
Non Sampling Risk 7.9
C
Call Tree 9.24
O
Capacity 6.13 Occassional 1.12
Capital 6.13 OECD 2.33|7.20
Capital Adequacy Rules 5.4 OECD Guidelines for Corporate Governance 7.20
Capital Adequacy/Capital Adequacy Assessment 5.8|5.9 Off Balance Sheet Items 6.3
Capital Allocation 5.10 OHSAS 1.7
Capital Budgeting 3.12 On Balance Sheet Netting 6.10
Capital Market 6.2 Opacity 6.27
Cash Credit 6.6 Open Group Standard 1.12
Cash Flow Analysis 6.32 Operaational Risk Originate 9.2
Cash Settlement 6.22 Operataing Linkages 9.6
Catastrophic 1.9|1.12|1.15 Operating Efficiency 6.27
Catching the ball 1.18 Operational 2.3
Causation, causality, Cause Analysis 2.10 Operational Failures/ Operational Control Failures 9.10| 9.12
CDO 6.24 Operational Loss Data Management 9.27
Change Management 9.19| 9.20 Operational Loss GL 9.31| 9.32
Character 6.13 Operational Risk 1.11|1.20|2.22|7.15| 9.1|
Checklists 2.11 Operational Risk Events/Operational Loss Events 9.2|9.7|9.19|9.35
9.5|9.9|9.18|9.28|9.31
Chemical Accident 1.8 Operational Risk Management 9.2| 9.9| 9.21
Chief Audit Executive 5.1| 8.5 Operational Risk Management Framework 9.8| 9.10| 9.28
Chief Financial Officer 5.1| 8.5 Operational Risk Management Policy 9.5
Chief Information Security Officer 9.27 Operational Risk Manager 9.18| 9.20| 9.24| 9.25
CIMA 1.5|8.2 Opportunity Risk 1.17|1.18|7.11|7.15
CISA 9.25 Organisational Overview and External Environment 4.10
Classification of Assets 6.7 Organisational Risks 2.19
Client relationship risk 1.12 ORMC/Operational Risk Management Committee 9.5| 9.6| 9.7| 9.8| 9.12|
Clients, Products and Business Practices 9.28 Outlook 9.32
4.15|7.11
Cluster Analysis 9.33 Outsourcing 2.22| 9.20| 9.25
CNOOC 4.8 Over/Understatement of revenue 1.4|1.11
COBIT, ISACA 1.6 Overarching 9.2
Code of conduct 9.9| 9.28 Overdraft 6.5
Coefficient 6.26 Oxford English Dictionary 1.3|1.5
Cognitive Psychology 1.4
P
Coherent Risk Measures 5.5 Packing Credit 6.6
Collateral 6.10|6.13|6.25 Parameters of Prioritiation 9.22
Collateral and Third Party Guarantee 6.3 Particular Risk 1.17
Collateral Risk 6.3 PAT % 6.31
Collateralized Debt Obligation 6.23 Paul Hopkins 1.5|1.16
Collective Investment Scheme 6.11 Payable Days 6.33
Companies Act, 2013 2.29|7.9| 9.2| 9.3 Performance 4.14
Competitive 8.6 Performance Measurement and Management 5.10|6.30
Competitive Pressure 7.13 Performance Review 6.17
Complexity 1.15 Personal Loan 6.5
Compliance Management 2.3 Personal Risk 1.16
Compliance Procedures 4.6 Personnel Risk 1.12
Compliance Risk 1.20| 9.35 PESTLE 2.20
Compliance risk assessment 2.4 Phishing 9.26
Compliance/Compliance Committee 1.18|2.23|4.9| 8.6 Physical Controls 9.15
Comtrol Risk 1.17 Physical Factors 1.10
Concentration Risk / Management 6.18 Pillar 2 5.14
Concomitant 9.33 Pillar Model 6.11
Conditional VaR 5.6 PLUS Score 6.35
Conditions 6.13 Point-in-time LGD 6.21
Confidence Level 5.2 Policies/Processes 6.12
Confidential Data/Confidentiality 9.26| 9.28 Political Factors 1.10
Consequence 2.25 Political Risk 5.15
Consumer Loans 6.5 Political Risk Insurance 6.24
Contingency Planning 5.9 Politically Exposed Person 6.15
Contractual Risk 1.12| 9.4| 9.11 Pooling Method 6.20
Control Culture 3.5 Portfoilio Risk Management 6.12
Control Effectiveness 9.15 Portfolio Risk Management 6.17|6.18
Control Owner 9.10 Positive and negative feedback 1.8
Control Score 1.11 Postive 6.17
Controllable/Non controllable 1.10 Post-Shipment Packing Credit 6.6
Controls 2.8| 9.4 Predictive Models 2.10
Co-participating 6.26 Pre-shipment Packing Credit 6.6
Cornelius Keating 1.6 Preventative controls 2.8
Corporate Debt Securities 6.10 Prevention of Money Laundering Act 9.11
Corporate Debt/Bond Restructuring 6.23 Preventive Controls 9.16| 9.20
Corporate Espionage 9.26 Preventive Measures 4.18| 9.28
Corporate Governance Framework 7.21 Price Risk 1.21
Corporate Impact 1.13 Pricing 5.10
Corporate Knowledge 2.12 Prioritization 2.26| 8.8| 9.27
Corporate objectives 1.9 Probability 9.14
Corporate Risk/Corporate Risk Management 1.9|7.17| 8.8 Probability and Impact matrix 2.5
Corporations 7.2 Probability of Credit Default 6.12|6.18|6.19|6.20
Corrective Action Plan 6.18| 9.32 Probability of occurrence 1.4|2.4
Corrective controls 2.8 Process Notes 9.9
Corrective Measures 4.18 Process Risk 1.21
Corruption Perception Index 5.17 Procurement Policy 9.9
COSO 1.11|7.12|7.20|8.3 Profitability 6.27
Cost 1.12 Project/Infrastructure Loans 6.6
Counterparty Risk 6.1|6.11 Property and Casualty Insurance 6.24
Country Risk 1.21|5.14 Property Risk 1.16
Country Risk Assessment Tools 5.16 Protectionist regimes 1.3
Country Risk Management Process 5.16 Pure 1.16
Covenants 6.12|6.15|6.25
Q
Credibility 6.8 Qualitative Risk Analysis 2.4
Credit Analysis and Research Ltd (CARE) 6.15 Qualitative Risk Asessment 2.5
Credit Approval Matrix/Credit Matrix 6.13|6.14 Qualitative Techniques/of Credit Risk Management 2.8|6.12
Credit Concentration Analysis 6.18 Qualitative Tools 5.16
Credit Default Swaps/CDS 6.21|6.22|6.23 Quantitative Risk Assessment 2.5
Credit Facilities 6.4 Quantitative techniques 2.8|6.26
Credit Information Bureau India Limited (CIBIL) 6.15 Quantitative Tools 5.16
Credit Insurance 6.12|6.24 Quarterly 7.11
Credit loss Estimation 6.19 Questionnaire and Interviews 2.11

Credit Officer 9.16| 9.19

R
Credit Protection 6.11|6.22 Random Loss 6.3
Credit Rating Information Services of India Limited 6.15 Ransomware 9.26
(CRISIL)
Credit Rating Scales 6.15|6.16 Ratio of Import to Export 5.16
Credit Risk 1.19|6.1|6.2|6.4|6.8|6.9 Ratio of import to official Reserve 5.16
Credit Risk Analysis 6.2 Ratios and Financial Assessment 6.31
Credit Risk Model 9.35 RBI defined Market Risk 1.20
Credit Risk Rating Process 6.18 RBI Framework for Revitalising Distressed Assets in the 6.18
Economy
Credit Scoring Models 6.33|6.34 RBI Guideline (CDS, Operational Risk, Cyber Risk) 6.22. 9.5| 9.27| 9.31
Credit Worthiness 6.11 Real Estate Construction Loans 6.7
CRILC/ Central Repository of Information on Large 6.18 Real Time risk/Analysis 1.7| 9.32
Credits
Critical 1.12| 9.22 Reconciliations 9.15
Critical Disruption 9.22 Recovery of loss 9.32
CRO/ Chief Risk Officer 2.33|7.2|7.4|7.18|8.3| 9.5 Recovery Rate 6.4
Culture Monitoring Surveys 4.6 Recovery Risk 6.3
Current Ratio and Quick Ratio 6.33|7.11 Recovery/ Recovery Time 6.9| 9.23

Customer 2.23 Reduce/Manage 2.21

Cyber Risk Mitigation 9.27 Regression 9.33
Cyber risk/Cyber Security 1.8|7.20| 9.6| 9.13| 9.25| Regulatory Risk/Regulators 1.20|4.9|7.15| 9.4| 9.11|
9.28 9.18| 9.25
Cyclical LGD 6.21 Regulatory Violation 9.12
Relationship based banking 6.7
D
Damage to Physical Assets 9.30 Reliability centered maintenance 1.9
Dan Borge 6.30 Reputation 2.23
Dash Boards 4.3 Reputation Risk 1.20| 9.1
Data Security or Regulatory Breach 7.14 Reputational Loss 9.12
Data Security Risk 1.21 Reputational Risk 5.14| 9.4| 9.11
Debt Service Coverage Service Ratio 6.31 Residual risk 1.11| 9.14
Debt Service Ratio 5.16 Responsibilities of Board 7.22
Debt Servicing Capability 6.14 Responsibility 2.31
Debt-Equity Ratio 6.15|7.11 Retail Financing 6.4|6.14|6.17
Debtors Turnover Ratio 7.11 Return on Assets 6.32
Decision Making Tree Method 2.6|2.9 Return on Capital Employed 6.32
Deep Learning and Reinforcement learning 9.33 Return on Equity 6.32
Default/ Defualt Risk 6.2|6.20 RORAC/ Return on Risk Adjusted Capital 6.29
Defence Models 9.7 Reverse Brainstoming 2.11
Degree of Safety 6.16 Reverse Stress Test Scenario 5.12|5.13|7.6
Delegation 6.13 Risco 1.1|3.1
Delphi Approach 2.7 Risicare 1.1|3.1
Delta Normal Method 5.2|5.4 Risk 1.1|3.1|7.7
Demand Loan 6.6 RAROC/ Risk Adjusted Returns/Capital 6.28|6.30
Democracy Index 5.17 Risk Analysis 2.28
Derivative 6.10 Risk and Capital Decision Process 5.10
Detailed Appraisal note 6.14 Risk and Control Matrix 9.10
Detective controls 2.8| 9.16 Risk and Control Self Assessment (RCSA) results 9.5|9.6|9.7|9.10|9.11|
Detective Measures 4.18 Risk and Opportunity Reporting 9.17|9.21|9.31|9.32
4.15|7.13
Deterrent controls 2.8 Risk Appetite 3.3|3.4|3.8|5.8|5.9| 6.18|
Direct Observations 2.12 Risk Appetite Framework 7.2|7.12|7.16|
7.5 7.20| 8.3|
8.4| 8.7| 9.10
Disaster 4.20 Risk Appetite Statement 5.9|7.5
Disaster Recovery /Plan 4.18|4.20| 9.25 Risk Architecture 3.8
Discriminant Analysis 6.26 Risk as a part of GRC 1.18
Distributed Ledger Technology 9.35 Risk Assessment 2.4|2.20|3.6|3.9|7.2| 7.7|
Diversification 6.12 Risk Assessment Framework 7.12|
7.5 8.4
Documented Knowledge 2.13 Risk Attitude 3.3
Doubtful Assets 6.8 Risk Aware 4.7|7.8| 8.6| 8.7
Douglas Hubbard 1.14 Risk based Internal Auditing 7.8| 8.4| 9.4| 9.8
Downturn LGD 6.21 Risk based maintenance 1.9
Dreadful 1.9 Risk Based Pricing 6.12
Dual Hatting 7.3 Risk can arise or change due to 7.7
Due Dilligence/Credit Due Dilligence 6.9|6.14|6.33|9.11|9.23 Risk Capacity 3.3|7.2|8.4
Dynamci Risk 1.17 Risk Committee/Risk Management Committee 2.29|2.30|3.8|4.17|7.3|
Risk Communication 7.10|8.3|
8.4 9.7
E
Early Default Alerts (EDA) 6.17 Risk Components 6.20
Early Warning Signals 6.17 Risk Consequences 1.14|3.9
EBITDA % 6.31 Risk Culture/Risk aware Culture 4.7
EBITDA/Interest 6.31 Risk Defined 8.7
Economic Capital 6.29 Risk Description 9.10
Economic Factos 1.10 Risk Enabled 8.7
Economic Risk 1.7 Risk Evaluation 2.13
Economic Variable 5.15 Risk Event Maps 3.12
Ecosystem 2.27 Risk Event Probability 2.8
Ecvent Specific Tail Risks 5.12 Risk Event Value 2.8
Effect 1.12 Risk Free Condition 5.6
Effective Policy Framework 9.9 Risk Gaming 2.33
Emotional intelligence 1.8 Risk Governance framework 7.6| 9.2

Employee 2.23|2.27|2.28 Risk Grading 9.10| 9.12

Employment Practices and Workplace Safety 9.28 Risk Heat Maps 3.12
End Use Computation Tool 9.4 Risk Identification 2.1|2.4|2.19|3.6|6.15|8.8
Enterprise Resource Planning Package 2.29 Risk Identification and Assessment approaches 2.10
Enterprise Risk Management/ERM 2.4|2.29|4.1|4.6|4.7| 7.12| Risk Impact 2.23|2.28
7.20|8.1|8.2|8.3| 8.8| 9.4

Enterprise Wide Stress Testing 5.8 Risk in an organisational context 1.9

Entity level policies 9.9 Risk Leader 2.29
Epstein and Rejc 2.19|2.29| 8.8 Risk Limits 7.5
Equifax 6.15|6.35|6.36 Risk Managed 8.7
ERM help organisations 8.2 Risk Management 3.1|6.30|7.10|8.2|8.3| 8.4
ERM Leader 8.5 Risk Management Checklist 3.8
ERM Processes 8.5 Risk Management Cycle 3.5
Escrow 6.25 Risk Management Disclosures 7.9|7.12
Ethical Climate Surveys 4.6 Risk Management Framework 2.29|3.8|3.10|7.6|7.18|9.3
EU Accounts Modernisation Directive 4.16|7.12 Risk Management Function 7.5
EVA 6.30 Risk Management Payoff Model 2.29| 8.8
Evaluate 3.8 Risk Management Process 3.6
Evaluating Credit Risk 6.8 Risk Management Technique 3.11
EWS Matrix 6.17 Risk Manager 2.30|3.1|7.2| 8.4
Exception Triggers 9.16| 9.21 Risk Maturity /Risk Maturity Scale 8.4| 8.6| 8.7
Execution, Delivery and Process Management 9.30 Risk Measurement 5.9
Expected Loss 6.20 Risk Mitigation 2.10| 2.20|2.21|3.6|4.2|
Expected Monetary Value 2.8 Risk Model 6.10|6.15|7.20|
5.1| 8.5 8.4| 8.8|
9.4
Expected Shortfall 5.6 Risk Monitoring Practices 4.3| 8.8
Expected Tail Loss 5.6 Risk Naive 8.6| 8.7
Expense Delegation policy 9.9 Risk of Downturn 2.9
Experian Credit Reporting Agency 6.35 Risk Perception 1.4
Experian National Equivalency Score 6.36 Risk Probability 2.5|2.25
Experiental Groups 2.12 Risk Profile 9.14
Expert Judgement 2.9 Risk Protocols 3.8
Export Credit Insurance 6.24 Risk Quantification 2.5|2.10| 9.31
Exposure at Defualt 6.20 Risk Questionnaire 2.1|3.12
Exposure Risk 6.3 Risk Rating 2.24|2.26|9.12
Expropriation Risk 5.15 Risk Register 2.1| 8.4| 8.7| 9.10
External Debt to GDP 5.16 Risk Reporting 5.8|5.9| 8.8| 9.32
External Events 2.13 Risk Return Trade Off 6.2
External Factors 1.19 Risk Score/Scorecard 1.14|3.12|6.13|6.14|
External Fraud 9.28 Risk Sources Matrix 6.17|6.34|
2.16 8.4
External Risk 1.10| 9.12 Risk Strategy 3.8
External Stakeholders 2.27 Risk Tolerance 3.3
Extremely High Risk 1.13 Risk Treatment 2.20
Risk Types 9.10
F
Factoring 6.6 Risk Variables 2.2
False Negative 6.27 Risk-adjusted Return on Capital 6.30
Fault-tree Analysis 2.11 Risks and Opportunities 4.13
Feed 9.19 Risque 1.1|3.1
FICO Score 6.34 Roll Forward/Roll back rates 6.17
Finance Lending Business 9.10 Root Cause 8.7| 9.19| 9.27
Finance Risk 1.7|7.15 Root Cause Analysis 2.12
Financial 2.3|2.23 Root Cause Identification 2.19
Financial Loss 9.12 R-squared 6.28
Financial Market 1.7
S
Financial Planning and Budgeting 5.9 SA 315 1.4|1.5|1.6|2.3| 9.3
Financial Ratios 6.25 Safe Environment 9.29
Financial Reporting Council 3.4 Safety Risk/Hazards 1.21
Financial Reporting Error 9.12 Sales Growth Rate 6.31
Financial Reporting/Financial Reporting Risk 2.3|7.6|7.7|7.8|9.4|9.11 Sampling/Sampling Risk 7.9
Financial Risk 1.11|1.19|5.15| 9.4| 9.11| Sarbanes Oxley Regulations 9.4
9.18| 9.25
Financial Stability Board 7.2 Satutory Violation 9.12
Firewall 9.27 Scenario Analysis 2.9|2.11|5.10|5.11| 9.21
Firm Wide Risk Management System 7.5 Scenario Selection 5.12
Fitch Ratings India Private Limited (Fitch) 6.15 Scope 1.12
Five C's of Credit 6.13 Scoring 2.8
Fixed Asset turnover Ratio 6.31 SEBI 2.29|4.3|4.17|7.10
Fixed Income Money Market and Derivatives Association 6.23 Securities and Exchange Commission 4.16|7.12
of India
Flowchart 3.12 Securitized Assets/Securitization 5.14|6.11|6.25
Focus Area 9.8 Security Deposit 6.6
Foreign Exchange Rate/Risk 1.20| 7.11 Security Margin Cover 6.17
Fortune 500 3.9 Security Risk 1.8|1.21
Frank Knight 1.14 Segregation of Duties 9.15
Fraud Risk 1.21| 9..4| 9.11| 9.13| 9.14| Seldom 1.12
9.18
Freedom in the World 5.17 Sell Down 6.26
French AFEP-MEDEF code 7.12 Service Level Agreements 2.22
Frequency 1.12|2.25| 9.14 Severe 2.24
Frequency of loss 2.9 Severity 9.14

Frog in the well 1.3 Shared Vision 3.5

Fucntional Domains 1.12 Sharpe Ratio 6.28
Full Revaluation Method 5.4 Significant risk 1.4|3.9| 8.4
Functional Recovery Plan/ FRP 9.23| 9.24 Silo Approach 8.7
Fund based Facilities 6.4 Simulation 2.9|2.33
Fundamental Risk 1.17 SMA/ Special Mention Accounts 6.18
SME Rating Agency of India Ltd (SMERA) 6.15
G
Gap 1.11 Sound Management of Operational Risk 4.8
GAS 5 4.16|7.12 Sound Risk Governance Practices recommended by FSB 7.2|7.6
Gini Coefficient 5.17 Sovereign Risk 5.15
Global Peace Index 5.18 Spark Clusters 9.35
Global Risk Outlook 2.18 Special audit consideration 1.4
Gold Pledging 6.10 Special Purpose Vehicle 6.7
Governance Risk 1.21|7.1|7.2 Speculative Risk 1.17
Governance/Governance Functions 1.18|3.9|4.6|4.12| 9.7 Spread 6.22
Granularity 9.9 Stable 6.17
GRC - Governance, Risk, Compliance 1.18 Staffing Risk 1.21
Group based models 6.7 Stakeholder 2.27|2.28|2.29|4.9|7.21|
Guidance on Supervisory Interaction with Financial 4.8 Stakeholder Analysis 8.8
2.12
Institutions on Risk Culture Stakeholder Risk Management 8.8
H
Hadoop Clusters 9.35 Standard Assets 6.8
Hazard 1.7|1.16 Standard Deviation 6.28
Heuristically based 1.13 Standard Operating Procedures 4.6| 9.9
High Mark Credit Information Services 6.15 Standardised Approach 6.11
High Risk 1.13 Standards 9.9
Historical Simulation 5.5 Standards of Internal Audit 1.11|7.8
Holding period 5.2|5.4 Static Risk 1.17
Holistic 3.10|4.16 Statistical Method 6.20

Homogeneity 5.6 Statutory Risk 9.11

Hubbard 1.14 Steel Sector 7.14
Human Development Index 5.18 Strategic 2.3
Human factors 1.8|1.10 Strategic Blunders 4.2
Hybrid Controls 9.16 Strategic Choice 4.3
Strategic Context 4.2
I
IBM Case Study 2.32 Strategic Execution 4.3
ICAI Guidance Note on Internal Financial Controls 7.6| 9.3 Strategic Planning 5.8|5.9
ICAI guide on Risk Assessment methodologies and 2.13 Strategic Risk 1.11|1.20|4.4| 9.1
Applications
ICAI Internal Audit Guide 1.9 Strategy 2.23|3.3|7.2
ICAI RBIA Guide 1.6 Strategy and Risk Allocation 4.14|6.15
Idea Funnel 1.18 Stress Asset/Watchlist Asset Monitoring 6.18
Identify 3.6 Stress Scenarios 5.11
Impact 9.14| 9.22 Stress Testing/Stress Test Process 5.7|5.8|5.10|5.13|6.10|7.6
Impact Assessment 2.5 Structural Method 6.20
Impact Category 9.10 Structuring of Transaction 6.25
Implict Cost 6.8 Subadditivity 5.6
Importance of Risk Management 3.9 Subsidiaries 7.5
Incident Analysis 2.12 Sub-Standard Assets 6.8
Incremental Interest Rate 6.12 Substantive Test 7.9
Independent Directors 9.3 Supervised learning/Unsupervised Learning 9.33

Indian Credit Rating Agency (ICRA) 6.15 Supervisory Control 9.16

Industrial Accident 1.8 Supply Side Market 8.6
Infant Early Delinquencies 6.17 Support Vector Machines 9.33
Information Memorandum 6.14 Surplus/Deficit Balance 5.16
Information provided by Entity/ IPE 9.4 Surveys 2.12
Information Security and IT Governance Circular 9.27 Sustainable Value 2.27
Information Security Policy/Controls 9.9| 9.25 SWOT 2.2|2.15|2.20
Information Technology General Controls 9.19 SWOT Analysis 2.4
Inherent risk 1.11| 9.2| 9.10| 9.14| 9.15 Syndication 6.26

Insignificant 2.24 System Risk and Exposure 2.8

Insolvency 6.24 Systematic Risk 1.20|6.28
Institute of Internal Auditors 1.5 Systems Security 9.29
Institute of Risk Management 1.5|3.2 Sytem Failure 9.18
Institutional Investors 7.21
T
Insurable 1.16 Tail VaR 5.6
Insurance 2.22|3.10| 9.36 Tandon Committee 6.5
Insurers 6.24 Taxes, Rules, and Regulation Risk 5.15

Integrated Report/Integrated Reporting Key 4.10|7.12 Technical Snag 1.18

Integrity Leaders 4.9 Technological factors 1.10
Intellectual Property Risk 9.26 Technology Assessment Competence 9.27
Interest Coverage Ratio 7.11 Technology Outsourcing Risk 9.20
Interest Rate Risk 1.20 Technology Risk 1.12| 1.21| 9.17
Internal Auditor/Internal Audit 2.12|7.5|7.8|8.4|8.7| 8.4| Term Loan 6.6
8.6| 8.8| 9.4| 9.8| 9.28
Internal Control Checklist 4.6 Terminate 3.11
Internal Control Environment/ICE 4.5| 8.6 Test of Controls 7.9

Internal Control/Internal Financial Control 4.2|4.5|4.6|4.7|7.11| 9.3| 9.4 Test-asttack 9.27

Internal Credit Rating 6.13 Theodore Roosevelt 3.2

Internal Events 2.13 Third Party Guarantee Risk 6.3
Internal Factors 1.19 Thomas S Coleman 3.2
Internal Fraud 9.28 Threats 2.8
Internal Rating Approach 6.11 Through-the-Cycle LGD 6.21
Internal Risk 1.10 Tightening 6.12

Internal Stakeholders 2.27 Time 1.12

International Convergence of Capital Measurement and 9.1 Tolerate 3.11
Capital Standards
International Federation of Accountants/ IFAC 1.5|7.13 Total Assset Turnover 6.27
International Institute of Finance Report 4.8 Total Debt/Tangible Net Worth 6.31|7.11
International Integrated Reporting Council 4.9|7.13 Trade Credit Insurance 6.24
International Swaps and Derivatives Association 6.23 Trade Secret 9.26
Inventory Days 6.33 Traffic Signal Risk Card 2.5
Inventory Turnover 7.11 Transactional Risk Management 6.12|6.13
ISO 31000 1.5|3.6|3.8|7.12|7.20|8.3| Transfer/Share 2.21|3.11
8.4|9.5|7.20|8.3| 8.4| 9.5
ISO definition of Risk 1.6 TransUnion 6.35
ISO Guide 1.5 Treat 3.7|3.11
IT Risk 1.8|4.18 Two Way Risk 6.2
ITES 9.22 Type II error 6.27

J U
Jensen's Index 6.28 UK Corporate Governance Code 3.4|4.16|7.12
John Greijmans 2.27 Uncertainty 1.2|1.14|1.15
JP Morgan/ Case Study 3.12|6.21 Unexpected Loss 6.20

Judgement and Intuition 2.7 Unfunded Credit Risk Mitigation 6.11|6.12

Unilever 4.4
K
Key Risk Indicators/ KRI 9.5| 9.6| 9.7| 9.21 Unlikely 1.12
Keyman Risk 9.22 Unscheduled Sysem Downtime 9.16
Keys 8.4| 8.5| 8.7 Unsecured 6.5
K-means clustering 9.33 US Treasury Bond 1.7
Knightian uncertainty and risk 1.14 User Acceptance Testing/ UAT 9.20
Knowledge Management 2.3 User Access Control 9.19
Knowledge Risk 1.12
V
Kodak Case Study 3.12 Vantage Score 6.35
KYC-AML/Know Your Customer- Anti Money 6.15| 9.11 VaR Conversions 5.3
Laundering VaR Parameters 5.4
VaR/ Value at Risk 3.12|5.1|6.30
Vendor 2.23
Verification 9.15
Vision 3.3|3.5
Vital Areas of Responsibility 7.8
Volatility 1.15|6.28
Vulnerabilities 2.8

W
Wannacry Ransomware 9.27
Warren Buffet 3.2
Webster's New Law Dictionary 8.2
What can go wrong exercise 2.3
What-if technique 2.11
Whistle Blower matters 7.2| 9.9
Wholesale Financing 6.4|6.14|6.17
Working Capital Analysis 6.32
Working Capital Loans 6.5
Working Groups 2.12
Workplace Health and Safety Professionals 2.12
Workshops 2.12
World Economic Forum 2.18

X
X1, X2, X3, X4, X5 6.27
.4

9.3
7.6
Risk Management Alpha Sheet
9/11 1.9
Accept 2.21
Account receivable Days 6.33
Accounting Systems 9.19
Actuarial Analysis 6.24
Advanced Management Approach 2.22
Agriculture and Allied Service Loans 6.7
Allocated Risk Capital 6.29
Alpha 6.28
Alternate Site 9.24
Altman Z Score 6.26
Amanda Dacosta 2.20
Ambiguity 1.15
Amortized Credit 6.3
Analysis of Process 2.10
Analytics- Risk Management Applications 9.34
Analyze 3.7
Annual Loss Exposure Value 2.8
Annual Report 7.9|7.10
Antivrus 7.20
Approval 9.16
Artificial intelligence 9.32| 9.35
Asset Liability Management 9.35
Attribute 1.14

Audit Committee 2.29|7.4|7.6|7.10| 9.3| 9.8

Audit Risk 7.9

Audit Trail Reports 9.20
Authorisation 9.16
Authorisation Matrix 4.6
Automated Controls 9.16

Avoid 2.21
B2B type of funding 6.4
B2C type of funding 6.4
Backtesting 5.4
Bank for International Settlement 6.2| 9.1
Bank Guarantee 6.7
Bankruptcy 6.24|6.26
Barclays Case Study 3.13
Basel 4.8

Basel Committee on Banking Supervision Principles for 5.13

Sound
Basel IIStress Testing Practices and Supervision 1.6|2.22|5.14|6.10|6.11| 9.1|
9.7| 9.28| 9.31
Basel III 1.7|6.30
Basis of Preparation and Presentation 4.15
Behavioural and organisational psychology 1.8
Benchmarking/Benchmark 2.12|6.28
Benefits of Risk Management Plan 3.10
Beta 6.28
Bhopal Disaster 1.8
Big Data Technologies 9.34
Bills Discounting 6.6
Black Swan 1.3
Blythe Masters 6.21
Board for Industrial and Financial Reconstruction 6.23

Board Level Consideration of Risk 7.14

Board of Directors/ Board/ Board Level 3.3|3.10|4.1|4.3|4.17|7.1|
7.2|7.3|7.10|7.16|7.18| 7.22|
8.3|8.4| 9.2| 9.5| 9.7| 9.27|
9.32

Bootstrap Simulation 5.5

Bow Tie Analysis 2.11
Brainstorming 2.10
Brand Equity 2.23
Brexit Impact 7.14
Brickwork Rating India Private Ltd 6.16
Bucketing 9.14

Business Analytics 9.32| 9.35

Business Continuity and Disaster Recovery Framework 9.6
Business Continuity Risk/ Plan/BCP 1.21|4.20| 9.22
Business Credit Insurance 6.24
Business Cycle Stresses 5.12
Business Disruption and System Failures 9.30
Business Functions from a risk perspective 2.3
Business Impact Analysis 2.24| 9.22| 9.23
Business Model 4.12|7.17

Business Ratio 6.26

Business Risk 1.2|1.4|1.5|1.10|2.9| 2.22|
2.26|6.2|6.31
Business Risk Management 8.1
Call Tree 9.24
Capacity 6.13
Capital 6.13
Capital Adequacy Rules 5.4
Capital Adequacy/Capital Adequacy Assessment 5.8|5.9
Capital Allocation 5.10
Capital Budgeting 3.12
Capital Market 6.2
Cash Credit 6.6
Cash Flow Analysis 6.32
Cash Settlement 6.22
Catastrophic 1.9|1.12|1.15
Catching the ball 1.18
Causation, causality, Cause Analysis 2.10
CDO 6.24
Change Management 9.19| 9.20
Character 6.13
Checklists 2.11
Chemical Accident 1.8
Chief Audit Executive 5.1| 8.5
Chief Financial Officer 5.1| 8.5
Chief Information Security Officer 9.27
CIMA 1.5|8.2
CISA 9.25
Classification of Assets 6.7
Client relationship risk 1.12
Clients, Products and Business Practices 9.28
Cluster Analysis 9.33
CNOOC 4.8
COBIT, ISACA 1.6
Code of conduct 9.9| 9.28
Coefficient 6.26
Cognitive Psychology 1.4
Coherent Risk Measures 5.5
Collateral 6.10|6.13|6.25
Collateral and Third Party Guarantee 6.3
Collateral Risk 6.3
Collateralized Debt Obligation 6.23
Collective Investment Scheme 6.11
Companies Act, 2013 2.29|7.9| 9.2| 9.3
Competitive 8.6
Competitive Pressure 7.13
Complexity 1.15
Compliance Management 2.3
Compliance Procedures 4.6
Compliance Risk 1.20| 9.35
Compliance risk assessment 2.4
Compliance/Compliance Committee 1.18|2.23|4.9| 8.6
Comtrol Risk 1.17
Concentration Risk / Management 6.18
Concomitant 9.33
Conditional VaR 5.6
Conditions 6.13
Confidence Level 5.2
Confidential Data/Confidentiality 9.26| 9.28
Consequence 2.25
Consumer Loans 6.5
Contingency Planning 5.9
Contractual Risk 1.12| 9.4| 9.11
Control Culture 3.5
Control Effectiveness 9.15
Control Owner 9.10
Control Score 1.11
Controllable/Non controllable 1.10
Controls 2.8| 9.4
Co-participating 6.26
Cornelius Keating 1.6
Corporate Debt Securities 6.10
Corporate Debt/Bond Restructuring 6.23
Corporate Espionage 9.26
Corporate Governance Framework 7.21
Corporate Impact 1.13
Corporate Knowledge 2.12
Corporate objectives 1.9
Corporate Risk/Corporate Risk Management 1.9|7.17| 8.8
Corporations 7.2
Corrective Action Plan 6.18| 9.32
Corrective controls 2.8
Corrective Measures 4.18
Corruption Perception Index 5.17
COSO 1.11|7.12|7.20|8.3
Cost 1.12
Counterparty Risk 6.1|6.11
Country Risk 1.21|5.14
Country Risk Assessment Tools 5.16
Country Risk Management Process 5.16
Covenants 6.12|6.15|6.25
Credibility 6.8
Credit Analysis and Research Ltd (CARE) 6.15
Credit Approval Matrix/Credit Matrix 6.13|6.14
Credit Concentration Analysis 6.18
Credit Default Swaps/CDS 6.21|6.22|6.23
Credit Facilities 6.4
Credit Information Bureau India Limited (CIBIL) 6.15
Credit Insurance 6.12|6.24
Credit loss Estimation 6.19

Credit Officer 9.16| 9.19

Credit Protection 6.11|6.22
Credit Rating Information Services of India Limited 6.15
(CRISIL)
Credit Rating Scales 6.15|6.16
Credit Risk 1.19|6.1|6.2|6.4|6.8|6.9
Credit Risk Analysis 6.2
Credit Risk Model 9.35
Credit Risk Rating Process 6.18

Credit Scoring Models 6.33|6.34

Credit Worthiness 6.11
CRILC/ Central Repository of Information on Large 6.18
Credits
Critical 1.12| 9.22
Critical Disruption 9.22
CRO/ Chief Risk Officer 2.33|7.2|7.4|7.18|8.3| 9.5
Culture Monitoring Surveys 4.6
Current Ratio and Quick Ratio 6.33|7.11

Customer 2.23
Cyber Risk Mitigation 9.27
Cyber risk/Cyber Security 1.8|7.20| 9.6| 9.13| 9.25|
9.28
Cyclical LGD 6.21

D
Damage to Physical Assets 9.30
Dan Borge 6.30
Dash Boards 4.3
Data Security or Regulatory Breach 7.14
Data Security Risk 1.21
Debt Service Coverage Service Ratio 6.31
Debt Service Ratio 5.16
Debt Servicing Capability 6.14
Debt-Equity Ratio 6.15|7.11
Debtors Turnover Ratio 7.11
Decision Making Tree Method 2.6|2.9
Deep Learning and Reinforcement learning 9.33
Default/ Defualt Risk 6.2|6.20
Defence Models 9.7
Degree of Safety 6.16
Delegation 6.13
Delphi Approach 2.7
Delta Normal Method 5.2|5.4
Demand Loan 6.6
Democracy Index 5.17
Derivative 6.10
Detailed Appraisal note 6.14
Detective controls 2.8| 9.16
Detective Measures 4.18
Deterrent controls 2.8
Direct Observations 2.12
Disaster 4.20
Disaster Recovery /Plan 4.18|4.20| 9.25
Discriminant Analysis 6.26
Distributed Ledger Technology 9.35
Diversification 6.12
Documented Knowledge 2.13
Doubtful Assets 6.8
Douglas Hubbard 1.14
Downturn LGD 6.21
Dreadful 1.9
Dual Hatting 7.3
Due Dilligence/Credit Due Dilligence 6.9|6.14|6.33|9.11|9.23
Dynamci Risk 1.17

E
Early Default Alerts (EDA) 6.17
Early Warning Signals 6.17
EBITDA % 6.31
EBITDA/Interest 6.31
Economic Capital 6.29
Economic Factos 1.10
Economic Risk 1.7
Economic Variable 5.15
Ecosystem 2.27
Ecvent Specific Tail Risks 5.12
Effect 1.12
Effective Policy Framework 9.9
Emotional intelligence 1.8

Employee 2.23|2.27|2.28
Employment Practices and Workplace Safety 9.28
End Use Computation Tool 9.4
Enterprise Resource Planning Package 2.29
Enterprise Risk Management/ERM 2.4|2.29|4.1|4.6|4.7| 7.12|
7.20|8.1|8.2|8.3| 8.8| 9.4

Enterprise Wide Stress Testing 5.8

Entity level policies 9.9
Epstein and Rejc 2.19|2.29| 8.8
Equifax 6.15|6.35|6.36
ERM help organisations 8.2
ERM Leader 8.5
ERM Processes 8.5
Escrow 6.25
Ethical Climate Surveys 4.6
EU Accounts Modernisation Directive 4.16|7.12
EVA 6.30
Evaluate 3.8
Evaluating Credit Risk 6.8
EWS Matrix 6.17
Exception Triggers 9.16| 9.21
Execution, Delivery and Process Management 9.30
Expected Loss 6.20
Expected Monetary Value 2.8
Expected Shortfall 5.6
Expected Tail Loss 5.6
Expense Delegation policy 9.9
Experian Credit Reporting Agency 6.35
Experian National Equivalency Score 6.36
Experiental Groups 2.12
Expert Judgement 2.9
Export Credit Insurance 6.24
Exposure at Defualt 6.20
Exposure Risk 6.3
Expropriation Risk 5.15
External Debt to GDP 5.16
External Events 2.13
External Factors 1.19
External Fraud 9.28
External Risk 1.10| 9.12
External Stakeholders 2.27
Extremely High Risk 1.13

F
Factoring 6.6
False Negative 6.27
Fault-tree Analysis 2.11
Feed 9.19
FICO Score 6.34
Finance Lending Business 9.10
Finance Risk 1.7|7.15
Financial 2.3|2.23
Financial Loss 9.12
Financial Market 1.7

Financial Planning and Budgeting 5.9

Financial Ratios 6.25
Financial Reporting Council 3.4
Financial Reporting Error 9.12
Financial Reporting/Financial Reporting Risk 2.3|7.6|7.7|7.8|9.4|9.11
Financial Risk 1.11|1.19|5.15| 9.4| 9.11|
9.18| 9.25
Financial Stability Board 7.2
Firewall 9.27
Firm Wide Risk Management System 7.5
Fitch Ratings India Private Limited (Fitch) 6.15
Five C's of Credit 6.13
Fixed Asset turnover Ratio 6.31
Fixed Income Money Market and Derivatives Association 6.23
of India
Flowchart 3.12
Focus Area 9.8
Foreign Exchange Rate/Risk 1.20| 7.11
Fortune 500 3.9
Frank Knight 1.14
Fraud Risk 1.21| 9..4| 9.11| 9.13| 9.14|
9.18
Freedom in the World 5.17
French AFEP-MEDEF code 7.12
Frequency 1.12|2.25| 9.14
Frequency of loss 2.9

Frog in the well 1.3

Fucntional Domains 1.12
Full Revaluation Method 5.4
Functional Recovery Plan/ FRP 9.23| 9.24
Fund based Facilities 6.4
Fundamental Risk 1.17

G
Gap 1.11
GAS 5 4.16|7.12
Gini Coefficient 5.17
Global Peace Index 5.18
Global Risk Outlook 2.18
Gold Pledging 6.10
Governance Risk 1.21|7.1|7.2
Governance/Governance Functions 1.18|3.9|4.6|4.12| 9.7
Granularity 9.9
GRC - Governance, Risk, Compliance 1.18
Group based models 6.7
Guidance on Supervisory Interaction with Financial 4.8
Institutions on Risk Culture
H
Hadoop Clusters 9.35
Hazard 1.7|1.16
Heuristically based 1.13
High Mark Credit Information Services 6.15
High Risk 1.13
Historical Simulation 5.5
Holding period 5.2|5.4
Holistic 3.10|4.16

Homogeneity 5.6
Hubbard 1.14
Human Development Index 5.18
Human factors 1.8|1.10
Hybrid Controls 9.16

I
IBM Case Study 2.32
ICAI Guidance Note on Internal Financial Controls 7.6| 9.3
ICAI guide on Risk Assessment methodologies and 2.13
Applications
ICAI Internal Audit Guide 1.9
ICAI RBIA Guide 1.6
Idea Funnel 1.18
Identify 3.6
Impact 9.14| 9.22
Impact Assessment 2.5
Impact Category 9.10
Implict Cost 6.8
Importance of Risk Management 3.9
Incident Analysis 2.12
Incremental Interest Rate 6.12
Independent Directors 9.3

Indian Credit Rating Agency (ICRA) 6.15

Industrial Accident 1.8
Infant Early Delinquencies 6.17
Information Memorandum 6.14
Information provided by Entity/ IPE 9.4
Information Security and IT Governance Circular 9.27
Information Security Policy/Controls 9.9| 9.25
Information Technology General Controls 9.19
Inherent risk 1.11| 9.2| 9.10| 9.14| 9.15

Insignificant 2.24
Insolvency 6.24
Institute of Internal Auditors 1.5
Institute of Risk Management 1.5|3.2
Institutional Investors 7.21

Insurable 1.16
Insurance 2.22|3.10| 9.36
Insurers 6.24

Integrated Report/Integrated Reporting Key 4.10|7.12

Integrity Leaders 4.9
Intellectual Property Risk 9.26
Interest Coverage Ratio 7.11
Interest Rate Risk 1.20
Internal Auditor/Internal Audit 2.12|7.5|7.8|8.4|8.7| 8.4|
8.6| 8.8| 9.4| 9.8| 9.28
Internal Control Checklist 4.6
Internal Control Environment/ICE 4.5| 8.6

Internal Control/Internal Financial Control 4.2|4.5|4.6|4.7|7.11| 9.3| 9.4

Internal Credit Rating 6.13

Internal Events 2.13
Internal Factors 1.19
Internal Fraud 9.28
Internal Rating Approach 6.11
Internal Risk 1.10
Internal Stakeholders 2.27
International Convergence of Capital Measurement and 9.1
Capital Standards
International Federation of Accountants/ IFAC 1.5|7.13
International Institute of Finance Report 4.8
International Integrated Reporting Council 4.9|7.13
International Swaps and Derivatives Association 6.23
Inventory Days 6.33
Inventory Turnover 7.11
ISO 31000 1.5|3.6|3.8|7.12|7.20|8.3|
8.4|9.5|7.20|8.3| 8.4| 9.5
ISO definition of Risk 1.6
ISO Guide 1.5
IT Risk 1.8|4.18
ITES 9.22

J
Jensen's Index 6.28
John Greijmans 2.27
JP Morgan/ Case Study 3.12|6.21

Judgement and Intuition 2.7

K
Key Risk Indicators/ KRI 9.5| 9.6| 9.7| 9.21
Keyman Risk 9.22
Keys 8.4| 8.5| 8.7
K-means clustering 9.33
Knightian uncertainty and risk 1.14
Knowledge Management 2.3
Knowledge Risk 1.12
Kodak Case Study 3.12
KYC-AML/Know Your Customer- Anti Money 6.15| 9.11
Laundering
Law of large numbers 6.24
Legal Risk 1.20| 9.1| 9.4| 9.11
Lessons Learned 2.13
Letter of Credit 6.7
Level 1 9.28
Level 2 9.28
Level 3 9.28
Level of Risk 2.25
LGD/ Loss given default 6.18|6.19|6.21
Liability Risk 1.16
Likelihood of Risk 1.14|2.25
Likely 1.12
Limit Setting 5.9
Lin of business/ Departmental Policies 9.9
Linear Approximation/Non linear Approximation 5.4
Lines of Defence 9.7
Liquid Assets 6.27
Liquidity forecasting 9.35
Liquidity Risk 1.19
Listing Agreement, LODR 4.17|7.10| 9.3
Loan Originating System 9.18
Logistic Regression 6.20
Long Run LGD 6.21
Loss Assets 6.8
Loss Reports, Loss Data 9.5
Loss Reserves 6.24
Loss, no loss or no gain 1.16
Low Risk 1.13

Machine Learning 9.33

Major 2.24
Major Impact 9.10
Major Risk 2.24
Malevolent 9.26
Management Discussion and Analysis 4.16|7.11|7.12
Management Risk 1.20
Manual Controls 9.16
Manufacturing Formulae 9.26
Manufacturing Process Manual 9.9
Marginal 1.12
Market Risk 1.20|7.15
Mark-to-Market Accounting 6.24
Master Circular for Banks - Prudential Norms and Asset 6.8
Classification
Master Maintenance 9.19
Merton Model 6.27
Micro Finance Loans 6.7
Migration Risk 9.20
Minor 2.24
Minor Impact 9.10
Minor Risk 2.24
MIS 6.18| 9.16
Mitigating Credit Risk 6.9
Moderate 2.24
Moderate Risk 1.13
Monitor and Review 3.7
Monotonicity 5.6
Monte Carlo Analysis 2.9
Monte Carlo Simulation 5.5
Mortgage Backed Securities 6.23
Mortgage Loan/Home Loan 6.5
MPBF/ Maximum Permissible Banking Finance 6.5
Mumbai City 2.17
Mututal Fund 6.11|6.22
Naked CDS 6.21
NASDAQ 1.7
Nationalisation Risk 5.15
Natural Factors 1.10
Naval Sea Systems Command 3.13
Negative 4.6|6.17|7.5
Negligible 1.12
New York Stock Exchange 7.9|7.12
Non fund Facilities 6.7
Non Performing Asset 6.8|6.17
Non Sampling Risk 7.9
Occassional 1.12
OECD 2.33|7.20
OECD Guidelines for Corporate Governance 7.20
Off Balance Sheet Items 6.3
OHSAS 1.7
On Balance Sheet Netting 6.10
Opacity 6.27
Open Group Standard 1.12
Operaational Risk Originate 9.2
Operataing Linkages 9.6
Operating Efficiency 6.27
Operational 2.3
Operational Failures/ Operational Control Failures 9.10| 9.12
Operational Loss Data Management 9.27
Operational Loss GL 9.31| 9.32
Operational Risk 1.11|1.20|2.22|7.15| 9.1|9.2|
Operational Risk Events/Operational Loss Events 9.7|9.19|9.35
9.5|9.9|9.18|9.28|9.31
Operational Risk Management 9.2| 9.9| 9.21
Operational Risk Management Framework 9.8| 9.10| 9.28
Operational Risk Management Policy 9.5
Operational Risk Manager 9.18| 9.20| 9.24| 9.25
Opportunity Risk 1.17|1.18|7.11|7.15
Organisational Overview and External Environment 4.10
Organisational Risks 2.19
ORMC/Operational Risk Management Committee 9.5| 9.6| 9.7| 9.8| 9.12| 9.32
Outlook 4.15|7.11
Outsourcing 2.22| 9.20| 9.25
Over/Understatement of revenue 1.4|1.11
Overarching 9.2
Overdraft 6.5
Oxford English Dictionary 1.3|1.5
Packing Credit 6.6
Parameters of Prioritiation 9.22
Particular Risk 1.17
PAT % 6.31
Paul Hopkins 1.5|1.16
Payable Days 6.33
Performance 4.14
Performance Measurement and Management 5.10|6.30
Performance Review 6.17
Personal Loan 6.5
Personal Risk 1.16
Personnel Risk 1.12
PESTLE 2.20
Phishing 9.26
Physical Controls 9.15
Physical Factors 1.10
Pillar 2 5.14
Pillar Model 6.11
PLUS Score 6.35
Point-in-time LGD 6.21
Policies/Processes 6.12
Political Factors 1.10
Political Risk 5.15
Political Risk Insurance 6.24
Politically Exposed Person 6.15
Pooling Method 6.20
Portfoilio Risk Management 6.12
Portfolio Risk Management 6.17|6.18
Positive and negative feedback 1.8
Postive 6.17
Post-Shipment Packing Credit 6.6
Predictive Models 2.10
Pre-shipment Packing Credit 6.6
Preventative controls 2.8
Prevention of Money Laundering Act 9.11
Preventive Controls 9.16| 9.20
Preventive Measures 4.18| 9.28
Price Risk 1.21
Pricing 5.10
Prioritization 2.26| 8.8| 9.27
Probability 9.14
Probability and Impact matrix 2.5
Probability of Default 6.12|6.18|6.19
Probability of occurrence 1.4|2.4
Process Notes 9.9
Process Risk 1.21
Procurement Policy 9.9
Profitability 6.27
Project/Infrastructure Loans 6.6
Property and Casualty Insurance 6.24
Property Risk 1.16
Protectionist regimes 1.3
Pure 1.16
Qualitative Risk Analysis 2.4
Qualitative Risk Asessment 2.5
Qualitative Techniques/of Credit Risk Management 2.8|6.12
Qualitative Tools 5.16
Quantitative Risk Assessment 2.5
Quantitative techniques 2.8|6.26
Quantitative Tools 5.16
Quarterly 7.11
Questionnaire and Interviews 2.11
Random Loss 6.3
Ransomware 9.26
Ratio of Import to Export 5.16
Ratio of import to official Reserve 5.16
Ratios and Financial Assessment 6.31
RBI defined Market Risk 1.20
RBI Framework for Revitalising Distressed Assets in the 6.18
Economy
RBI Guideline (CDS, Operational Risk, Cyber Risk) 6.22. 9.5| 9.27| 9.31
Real Estate Construction Loans 6.7
Real Time risk/Analysis 1.7| 9.32
Reconciliations 9.15
Recovery of loss 9.32
Recovery Rate 6.4
Recovery Risk 6.3
Recovery/ Recovery Time 6.9| 9.23
Reduce/Manage 2.21
Regression 9.33
Regulatory Risk/Regulators 1.20|4.9|7.15| 9.4| 9.11|
Regulatory Violation 9.18|
9.12 9.25
Relationship based banking 6.7
Reliability centered maintenance 1.9
Reputation 2.23
Reputation Risk 1.20| 9.1
Reputational Loss 9.12
Reputational Risk 5.14| 9.4| 9.11
Residual risk 1.11| 9.14
Responsibilities of Board 7.22
Responsibility 2.31
Retail Financing 6.4|6.14|6.17
Return on Assets 6.32
Return on Capital Employed 6.32
Return on Equity 6.32
Return on Risk Adjusted Capital 6.29
Reverse Brainstoming 2.11
Reverse Stress Test Scenario 5.12|5.13|7.6
Risco 1.1|3.1
Risicare 1.1|3.1
Risk 1.1|3.1|7.7
Risk Adjusted Returns/Capital 6.28
Risk Analysis 2.28
Risk and Capital Decision Process 5.10
Risk and Control Matrix 9.10
Risk and Control Self Assessment (RCSA) results 9.5|9.6|9.7|9.10|9.11| 9.17|
Risk and Opportunity Reporting 9.21|9.31|9.32
4.15|7.13
Risk Appetite 3.3|3.4|3.8|5.8|5.9| 6.18|7.2|
Risk Appetite Framework 7.12|7.16|
7.5 7.20| 8.3|8.4| 8.7|
9.10
Risk Appetite Statement 5.9|7.5
Risk Architecture 3.8
Risk as a part of GRC 1.18
Risk Assessment 2.4|2.20|3.6|3.9|7.2| 7.7|
Risk Assessment Framework 7.12|
7.5 8.4
Risk Attitude 3.3
Risk Aware 4.7|7.8| 8.6| 8.7
Risk based Internal Auditing 7.8| 8.4| 9.4| 9.8
Risk based maintenance 1.9
Risk Based Pricing 6.12
Risk can arise or change due to 7.7
Risk Capacity 3.3|7.2|8.4
Risk Committee/Risk Management Committee 2.29|2.30|3.8|4.17|7.3| 7.10|
8.3| 9.7
Risk Communication 8.4
Risk Components 6.20
Risk Consequences 1.14|3.9
Risk Culture/Risk aware Culture 4.7
Risk Defined 8.7
Risk Description 9.10
Risk Enabled 8.7
Risk Evaluation 2.13
Risk Event Maps 3.12
Risk Event Probability 2.8
Risk Event Value 2.8
Risk Free Condition 5.6
Risk Gaming 2.33
Risk Governance framework 7.6| 9.2
Risk Grading 9.10| 9.12
Risk Heat Maps 3.12
Risk Identification 2.1|2.4|2.19|3.6|6.15|8.8
Risk Identification and Assessment approaches 2.10
Risk Impact 2.23|2.28
Risk in an organisational context 1.9
Risk Leader 2.29
Risk Limits 7.5
Risk Managed 8.7
Risk Management 3.1|6.30|7.10|8.2|8.3| 8.4
Risk Management Checklist 3.8
Risk Management Cycle 3.5
Risk Management Disclosures 7.9|7.12
Risk Management Framework 2.29|3.8|3.10|7.6|7.18|9.3
Risk Management Function 7.5
Risk Management Payoff Model 2.29| 8.8
Risk Management Process 3.6
Risk Management Technique 3.11
Risk Manager 2.3|3.1|7.2| 8.4
Risk Maturity /Risk Maturity Scale 8.4| 8.6| 8.7
Risk Measurement 5.9
Risk Mitigation 2.10| 2.20|2.21|3.6|4.2|
Risk Model 6.10|6.15|7.20|
5.1| 8.5 8.4| 8.8| 9.4
Risk Monitoring Practices 4.3| 8.8
Risk Naive 8.6| 8.7
Risk of Downturn 2.9
Risk Perception 1.4
Risk Probability 2.5|2.25
Risk Profile 9.14
Risk Protocols 3.8
Risk Quantification 2.5|2.10| 9.31
Risk Questionnaire 2.1|3.12
Risk Rating 9.12
Risk Register 2.1| 8.4| 8.7| 9.10
Risk Reporting 5.8|5.9| 8.8| 9.32
Risk Return Trade Off 6.2
Risk Score/Scorecard 1.14|3.12|6.13|6.14|6.17|
Risk Sources Matrix 6.34|
2.16 8.4
Risk Strategy 3.8
Risk Tolerance 3.3
Risk Treatment 2.20
Risk Types 9.10
Risk Variables 2.2
Risk-adjusted Return on Capital 6.30
Risks and Opportunities 4.13
Risque 1.1|3.1
Roll Forward/Roll back rates 6.17
Root Cause 8.7| 9.19| 9.27
Root Cause Analysis 2.12
Root Cause Identification 2.19
R-squared 6.28
SA 315 1.4|1.5|1.6|2.3| 9.3
Safe Environment 9.29
Safety Risk/Hazards 1.21
Sales Growth Rate 6.31
Sampling/Sampling Risk 7.9
Sarbanes Oxley Regulations 9.4
Satutory Violation 9.12
Scenario Analysis 2.9|2.11|5.10|5.11| 9.21
Scenario Selection 5.12
Scope 1.12
Scoring 2.8
SEBI 2.29|4.3|4.17|7.10
Securities and Exchange Commission 4.16|7.12
Securitized Assets/Securitization 5.14|6.11|6.25
Security Deposit 6.6
Security Margin Cover 6.17
Security Risk 1.8|1.21
Segregation of Duties 9.15
Seldom 1.12
Sell Down 6.26
Service Level Agreements 2.22
Severe 2.24
Severity 9.14
Shared Vision 3.5
Sharpe Ratio 6.28
Significant risk 1.4|3.9| 8.4
Silo Approach 8.7
Simulation 2.9|2.33
SMA/ Special Mention Accounts 6.18
SME Rating Agency of India Ltd (SMERA) 6.15
Sound Management of Operational Risk 4.8
Sound Risk Governance Practices recommended by FSB 7.2|7.6
Sovereign Risk 5.15
Spark Clusters 9.35
Special audit consideration 1.4
Special Purpose Vehicle 6.7
Speculative Risk 1.17
Spread 6.22
Stable 6.17
Staffing Risk 1.21
Stakeholder 2.27|2.28|2.29|4.9|7.21| 8.8
Stakeholder Analysis 2.12
Stakeholder Risk Management 8.8
Standard Assets 6.8
Standard Deviation 6.28
Standard Operating Procedures 4.6| 9.9
Standardised Approach 6.11
Standards 9.9
Standards of Internal Audit 1.11|7.8
Static Risk 1.17
Statistical Method 6.20
Statutory Risk 9.11
Steel Sector 7.14
Strategic 2.3
Strategic Blunders 4.2
Strategic Choice 4.3
Strategic Context 4.2
Strategic Execution 4.3
Strategic Planning 5.8|5.9
Strategic Risk 1.11|1.20|4.4| 9.1
Strategy 2.23|3.3|7.2
Strategy and Risk Allocation 4.14|6.15
Stress Asset/Watchlist Asset Monitoring 6.18
Stress Scenarios 5.11
Stress Testing/Stress Test Process 5.7|5.8|5.10|5.13|6.10|7.6
Structural Method 6.20
Structuring of Transaction 6.25
Subadditivity 5.6
Subsidiaries 7.5
Sub-Standard Assets 6.8
Substantive Test 7.9
Supervised learning/Unsupervised Learning 9.33
Supervisory Control 9.16
Supply Side Market 8.6
Support Vector Machines 9.33
Surplus/Deficit Balance 5.16
Surveys 2.12
Sustainable Value 2.27
SWOT 2.2|2.15|2.20
SWOT Analysis 2.4
Syndication 6.26
System Risk and Exposure 2.8
Systematic Risk 1.20|6.28
Systems Security 9.29
Sytem Failure 9.18
Tail VaR 5.6
Tandon Committee 6.5
Taxes, Rules, and Regulation Risk 5.15
Technical Snag 1.18
Technological factors 1.10
Technology Assessment Competence 9.27
Technology Outsourcing Risk 9.20
Technology Risk 1.12| 1.21| 9.17
Term Loan 6.6
Terminate 3.11
Test of Controls 7.9
Test-asttack 9.27
Theodore Roosevelt 3.2
Third Party Guarantee Risk 6.3
Thomas S Coleman 3.2
Threats 2.8
Through-the-Cycle LGD 6.21
Tightening 6.12
Time 1.12
Tolerate 3.11
Total Assset Turnover 6.27
Total Debt/Tangible Net Worth 6.31|7.11
Trade Credit Insurance 6.24
Trade Secret 9.26
Traffic Signal Risk Card 2.5
Transactional Risk Management 6.12|6.13
Transfer/Share 2.21|3.11
TransUnion 6.35
Treat 3.7|3.11
Two Way Risk 6.2
Type II error 6.27
UK Corporate Governance Code 3.4|4.16|7.12
Uncertainty 1.2|1.14|1.15
Unexpected Loss 6.20
Unfunded Credit Risk Mitigation 6.11|6.12
Unilever 4.4
Unlikely 1.12
Unscheduled Sysem Downtime 9.16
Unsecured 6.5
US Treasury Bond 1.7
User Acceptance Testing/ UAT 9.20
User Access Control 9.19
Vantage Score 6.35
VaR Conversions 5.3
VaR Parameters 5.4
VaR/ Value at Risk 3.12|5.1|6.30
Vendor 2.23
Verification 9.15
Vision 3.3|3.5
Vital Areas of Responsibility 7.8
Volatility 1.15|6.28
Vulnerabilities 2.8
Wannacry Ransomware 9.27
Warren Buffet 3.2
Webster's New Law Dictionary 8.2
What can go wrong exercise 2.3
What-if technique 2.11
Whistle Blower matters 7.2| 9.9
Wholesale Financing 6.4|6.14|6.17
Working Capital Analysis 6.32
Working Capital Loans 6.5
Working Groups 2.12
Workplace Health and Safety Professionals 2.12
Workshops 2.12
World Economic Forum 2.18
X1, X2, X3, X4, X5 6.27
OLD REGIME

Salary 1,038,000
Standard Deduction 50,000
Professional Tax 2,500
985,500

Deductions 166,000
819,500
Tax Slabs Rate Slab income Tax
Upto 2,50,000 - 250,000 -
From 2,50,000 to 5,00,000 5% 250,000 12,500
From 5,00,000 to 10,00,000 20% 319,500 63,900
Above 10,00,000 30% - -
76,400
Add : Cess @ 4% 3,056
79,456

Loss due to new scheme -4,472

NEW REGIME
Salary 1,038,000
Deductions - Not allowed
1,038,000
Slab income Tax
Upto 2,50,000 - 250,000 -
From 2,50,000 to 5,00,000 5% 250,000 12,500 0
From 5,00,000 to 7,50,000 10% 250,000 25,000 0
From 7,50,000 to 10,00,000 15% 288,000 43,200 0
From 10,00,000 to 12,50,000 20% - 0
From 12,50,000 to 15,00,000 25% -
Above 15,00,000 30% -
80,700
Add : Cess @ 4% 3,228
83,928
Sections 0 6 months 1 year 2 years 3 years
124 5 L to 25 L
1 L to 5 L
127 1000 per day
128 50,000 to 5 L
129 50,000 to 5 L
134 50,000 - 25 L
50,000 - 5 L
136 25000, 5000
137 1000/day to 10 L
1 L + 100/day to 5 L

140 50,000 or remu + 500/day

to 5 L
147 25000 to 5 L or 4X Fees 50,000 to 25 L or
8X Fees
148 25000 to 5 L or 4X Fees 50,000 to 25 L or
8X Fees
157 25,000 + 100/day to 1 L

159 50,000 + 500/day

165 5000/day
166 1 L to 5 L
167 1 L to 5 L
172 50,000 to 5 L
173 25,000
178 1 L to 5 L
182 5 X contribution 25,000 to 1 L
184 1L
185 5 L to 25 L
186 25,000 to 1 L / 5L
187 25,000 to 1L/ 25 L
188 25,000 to 5 L
189 25000
190 25000 + 5000/default
191 1L
197 1L/ 5L
203 50,000 + 1000/day to 5 L
204 1 L to 5 L
206 1L + 500/day
207 25000 to 1 L
217 25,000 to 1 L
242 1L to 25L
25000 to 1L
243 5 L to 25 L
245 25,000 to 1 L
392 1L to 3L + 50,000/day
405 25,000 to 3 L
447