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RISK MANAGEMENT MODEL: The RISK MANAGEMENT MODEL covers all types of risk that can potentially impact the achievement of strategic objectives, impair company assets and/or undermine the value of the Brand. RISK MANAGEMENT MODEL is corporate into strategic decisions and key decision- making processes.

1- Operational Risk

• Operational risk: is the prospect of loss resulting from incompetent or failed procedures, method or policies. Employee errors. Systems failures. Fraud or other criminal activity. Any event that disrupts business processes. Operational risk refers to an unforeseen failure in your companys day-to-day operations. It could be a technical defeat, Same a server outage or it could be caused by your people or procedures.

purpose:

operational risk captures business continuousness schema, environmental risk crisis management procedure systems, people regarding risks and health and safety, and information technology dangers.

Advantage of Operational risk:

• Better, more effectual and more reliable operations;
• Reduction in losses from damages, threats, illegal activities and exploits;
• Lower cost of compliance.
• And Reduction in the time to come potential damages.

Disadvantage of Operational risk:

• end result due to operational risks may create irrecoverable losses
• . Sometimes, the losses can also lead to the cancellation of licenses for the responsible employee and/or the organization as a whole.
• In some cases, operational risk can also stem from events outside your control, such as a natural disaster, or a power cut, or a problem with your website host. Anything that interrupts your companys core operations comes under the category of operational risk.

2- SWOT (strengths, weaknesses, opportunities, threats) analysis

PESTLE (political, economic, social, technological, legal and environmental) analysis

scenario anticipation

Porter's Five Forces framework

purpose:

Business analysis models are beneficial tools and techniques that can help you understood your organisational environment and think more strategically about your line of work. Dozens of generic techniques are accessible, but some come to the vanguard more regularly than others do. These include:

SWOT analysis

SWOT analysis is one of the most popular strategic analysis models. It involves looking at the strengths and weaknesses of your business' capacity, and any opportunities and threats to your business.

Once you identify these, you can assess how to:

capitalise on your strengths

minimise the effects of your weaknesses

make the most of any opportunities

reduce the impact of any threats

See our SWOT analysis example.

A SWOT analysis gives you a better recognition into your internal and external business environment. However, it does not always prioritise the results, which can lead to an improper strategic action.

One way to make better use of the SWOT framework is to think about the customer's perspective when making strategic plans and decisions. You can do this by applying importance-performance analysis (IPA) to identify SWOT based on customer appeasement surveys.

Other strategic analysis tools

In addition to SWOT, other useful techniques include:

PESTLE analysis - a technique for understanding the various external influences on a business. See our PESTLE analysis example.

Scenario planning - a technique that builds various plausible views of possible futures for a business.

Critical success factor analysis - a technique to identify the areas in which a business must succeed in order to achieve its objectives.

The Five Forces - a framework for looking at the strength of five important factors that affect competition - potential entrants, existing competitors, buyers, suppliers and alternate products/services. Using this model, you can build a strategy to keep ahead of these influences.

Creating a strategic plan is a key part of planning for growth. A strategic plan helps prepare a realistic vision for the future of your business and maximiser your potential for successful business growth.

You should not baffle strategic planning with business planning. A business plan is about setting short or mid-term goals and defining the steps to achieve them. A strategic plan is focused on mid to long-term goals and explains the basic strategies for achieving them.

This guide explains the purpose of strategic planning. It tells you how to develop a strategic plan and what key elements you should consider in your business' strategy.

It also out boundary the main steps in the strategic planning process and the common planning models you can use, such as PESTLE analysis and SWOT analysis

3- Credit risk

• Credit risk is the risk that a borrower will be unable or unwilling to pay back a lender as agreed. When action loans, lenders of all types try to analyze the advantages or disadvantages of lent to particular borrowers by attempting to determine their credit risk and overall creditworthiness. The field of credit analysis is massive, and firms continue to spend big amounts of money to try to determine where to invest their money without taking on undue credit risk.

purpose:

• The goal of credit risk management is to maximize a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters.

Advantage of credit risk:

• Credit risk management allows predicting and foresee and also measuring the potential risk factor in any transaction.
• The banks management can also make use of certain credit models which can react as a valuable tool which can be used to define the level of lending measuring the risk.
• It is always better to have some techniques choice and strategies for transferring credit, pricing and surround options.

Disadvantage of credit risk:

• Deciding on how good a risk you are cannot be entirely scientific, so the bank must also use judgments.
• Cost and Control associated with operating a credit scoring system.
• With the presence of different models, it?s hard to decide which to use, more often than not, companies will take a one model fits all approach to credit risk, which can result in wrong decisions.