Risk Management Department (RMD) oversees the risks faced by the Bank in its internal operations and from external environment. The Department initiates steps for early identification of risks inherent in the Banking activities/functions; and recommend remedial measures to the Bank’s Senior Management. Presently, key risk areas like credit, operation, market and liquidity are focused on consolidated and integrated basis. The Bank has been presently aligning its Risk Management framework while using Risk Mapping technique, which has been diverted to remold the Job Descriptions of all important functions.

At Branch level, certain amendments have been made to improve supervisory level of Branch Managers. Risk Management has been ensured at Branches by introducing the Key Risk areas in close supervision and monitoring through important checklist, which have been implemented at Branches and its performance and implementation is monitored at the Risk Management Department.

The Department has also been working actively on the implementation of Basel-II. While the Bank’s risks assessments at Treasury have been ranked as per Basel-II, the Credit portfolio is under process for external rating in order to assess the total Risk Weighted Assets and Bank’s Capital Adequacy, as per State Bank of Pakistan guidelines. The Department also conducts regular review of Bank’s Risk assets under stress situations in order to assess the Bank’s shocks absorption capability.