BPCE_REGISTRATION_DOCUMENT_2017
3 RISK REPORT
Governance and risk management system
Macro-level risk mapping plays a central role in an institution’s overall risk management system: it is closely linked to the risk appetite system by establishing the ● institution’s risk profile and determining its priority risks; it contributes to the Group’s SREP – Supervisory Review and ● Evaluation Process – by identifying the its main risks from a risk managementand supervisory standpoint;
it assesses the risk managementsystem, in particularby examining ● the results of the internal control system (permanentand periodic controls). Identifying potential areas of risk helps enhance the internal control system and allocate control resources where they are needed; it serves as a source of information for various documents, ● including the internal control annual report, ICAAP report, documentation for JST meetings, etc.
GOVERNANCE OVERSIGHT
POST-RISK MANAGEMENT SYSTEM RISK + FORWARD- LOOKING VISION Assumed risk
EXPOSURES
RISK MANAGEMENT SYSTEM
Imposed risk, Chosen risk
Quality, Controls, Resources
RISK IDENTIFICATION AND ASSESSMENT
Credit Risks
Financial Risks
Non- Financial Risks
Other Risks
IDENTIFICATION • ANALYSIS • ASSESSMENT • TREATMENT
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Registration document 2017
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