{"id":39353,"date":"2020-04-23T18:15:57","date_gmt":"2020-04-23T12:45:57","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=39353"},"modified":"2022-07-29T18:32:15","modified_gmt":"2022-07-29T13:02:15","slug":"risk-management-in-banking-sector-rbi-grade-b-notes","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/risk-management-in-banking-sector-rbi-grade-b-notes\/","title":{"rendered":"Risk Management in Banking Sector &#8211; RBI Grade B Finance Notes"},"content":{"rendered":"\n<p><span style=\"color: #000000;\"><strong>Reserve Bank of India<\/strong> being the <strong>central bank of the country<\/strong> is a great organisation to work for. Every year Lakhs of aspirants apply for the <strong>RBI Grade B posts<\/strong> as it offers <strong>great career opportunities<\/strong> as well as <strong>impressive perks &amp; allowances to its officers<\/strong>. The <span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noopener noreferrer\">Grade B<\/a><\/strong><\/span> recruitment notification is expected to be announced in the month of June-July 2020. It is highly advisable to <strong>start with your preparations from now on<\/strong> itself so that when you are suddenly notified of the recruitment notification, you have already covered a prominent portion of the syllabus. The Grade B Exam is conducted in three stages namely <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Phase I<\/strong><\/a><\/span>, <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Phase 2<\/strong><\/a><\/span> and the <strong>Interview round<\/strong>.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">Toppers of the exam have always suggested carrying on the <strong>preparations and study for both <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noopener noreferrer\">Phase 1<\/a><\/span> and <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=Rbihny\" target=\"_blank\" rel=\"noopener noreferrer\">Phase 2<\/a><\/span> simultaneously<\/strong> because the syllabus of Phase 2 of RBI Grade B is vast and requires thorough knowledge and persistence in studies. The subjects asked in the Phase 2 Exam are <strong>Economics &amp; Social Issues<\/strong>, <strong>Finance &amp; Management<\/strong> and <strong>Descriptive English<\/strong>. So to give you a helping hand in your studies for the Grade B Exam, we at Oliveboard would be providing you with <strong>study notes<\/strong> on <strong>important topics from the syllabus of Phase 2<\/strong>. In this blog, we will cover the topic of <strong>&#8220;Risk Management in Banking Sector &#8211; RBI Grade B Notes&#8221;.<\/strong><\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><span style=\"color: #000000;\">Risk Management in Banking Sector &#8211; RBI Grade B Notes<\/span><\/strong><\/h3>\n\n\n\n<p><span style=\"color: #000000;\"><strong>Risk Management <\/strong>is a very important topic that has both theory and numerical-related questions being asked in the RBI Grade B Exam. We have tried to elaborate on different types of risks faced by the banking sector and also the difference between different types of Risks with examples in this blog. All these years questions on this topic have been asked in the examination.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>Risk &#8211; Definition<\/strong><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">Risk takes on many forms but is broadly categorized as a chance wherein an outcome or investment&#8217;s actual return will differ from the expected outcome or return.<\/span><br><\/li><li><span style=\"color: #000000;\">Risk includes the possibility of losing some or all of the original investment.<\/span><br><\/li><li><span style=\"color: #000000;\">Different versions of risks are usually measured by calculating the standard deviation of the historical returns or average returns of a specific investment.<\/span><br><\/li><li><span style=\"color: #000000;\">A fundamental idea in finance is the <strong>relationship between risk and return<\/strong>.<\/span><br><\/li><li>As risk is directly proportional to return, the more risk a bank takes, the <span style=\"color: #000000;\">it can expect to make more money.<\/span><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><span style=\"color: #000000;\"><span style=\"color: #000000;\">Types of Risks in the Banking Sector<\/span><\/span><\/strong><\/h3>\n\n\n\n<p><span style=\"color: #000000;\">Banking Sector is associated with the following Risks<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><span style=\"color: #000000;\"><strong>Liquidity Risk<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Interest Rate Risk<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Market Risk<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Credit or Default Risk<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Operational Risk<\/strong><\/span><\/li><\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>1. Liquidity Risk<\/strong><\/span><\/h4>\n\n\n\n<p><span style=\"color: #000000;\">It is a<\/span> risk when a bank fails to honour the commitment of payment of deposits to the customers due to the <span style=\"color: #000000;\">inability to meet cash flow obligations. This may be due to rumours like the closing of banks or assets turning into NPAs.<\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">Based on the reason this is again <strong>divided into 3 types<\/strong>.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><span style=\"color: #000000;\">Funding Risk<\/span><\/strong><br><\/li><li><strong><span style=\"color: #000000;\">Time Risk<\/span><\/strong><br><\/li><li><strong><span style=\"color: #000000;\">Call Risk<\/span><\/strong><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>2. Interest Rate Risk<\/strong><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">The interest rate risk refers to the chance that investments in bonds will suffer as the result of unexpected interest rate changes<strong>.<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\">The interest rate is one of the primary drivers of a bond\u2019s price.<\/span><br><\/li><li><span style=\"color: #000000;\">The <strong>current interest rate and the price of a bond demonstrate an inverse relationship<\/strong>. In other words, when the interest rate increases, the price of a bond decreases.<\/span><br><\/li><li><span style=\"color: #000000;\">This is associated with the opportunity cost of holding Bonds at a fixed rate of interest.<\/span><br><\/li><li><span style=\"color: #000000;\">Mitigation can be done by Hedging or diversifying of Portfolio.<\/span><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>3. Market<\/strong> <strong>Risk<\/strong><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">Market risk is the risk that the value of an investment will decrease due to changes in market factors.<\/span><br><\/li><li><span style=\"color: #000000;\">These factors will have an impact on the overall performance of the financial markets and can only be reduced by diversification into assets that are not correlated with the market such as certain alternative asset classes.<\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Market risk is sometimes called \u201csystematic risk\u201d<\/strong> because it relates to factors, such as a recession, that impact the entire market.<\/span><br><\/li><li><span style=\"color: #000000;\">Banks generally invest in products which are related to the price of Commodities, Shares, and Currency movement and this can lead to market risk.<\/span><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>4. Default or Credit Risk<\/strong><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">It is the risk of loss that may occur from the failure of any party to abide by the terms and conditions of any financial contract, principally the failure to make required payments on loans due to an entity.<\/span><br><\/li><li><span style=\"color: #000000;\">There are two risks associated with it &#8211;\u00a0<strong>Counterpart risk and Country Risk.<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\">The major goal of a project finance firm in risk management is to ensure that it understands, measures, and monitors the various risks that arise, and that the organization adheres strictly to the policies and procedures established to address these risks.<\/span><br><\/li><li><span style=\"color: #000000;\">After analyzing the specific borrower\u2019s risk, the credit risk management group assigns a credit rating to the borrower.<\/span><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>5. Operational Risk<\/strong><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">Operational risk is the risk not inherent in financial, systematic or market-wide risk. It is the risk remaining after determining financing and systematic risk and includes risks resulting from breakdowns in internal procedures, people and systems.<\/span><br><\/li><li><span style=\"color: #000000;\">Operational loss has mainly three exposure classes namely people, processes and systems.<\/span><br><\/li><li><span style=\"color: #000000;\">It has two sub-components. <strong>Transaction Risk &amp; Compliance Risk<\/strong>.<\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Transaction risk<\/strong> is the risk arising from fraud, both internal and external, failed business processes and the inability to maintain business continuity and manage information.<\/span><br><\/li><li><span style=\"color: #000000;\"><strong>Compliance risk<\/strong> is the risk of legal or regulatory sanction, financial loss or reputation loss that a bank may suffer as a result of its failure to comply with any or all of the applicable laws, and regulations.<\/span><\/li><\/ul>\n\n\n\n<p>Other risks include <strong>Strategic Risk, Reputation Risk, Systematic Risk and unsystematic Risk.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>Risk Management in Banking Sector &#8211; Role of RBI<\/strong><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><span style=\"color: #000000;\">1. CAMELS<\/span><\/strong><\/h4>\n\n\n\n<p><span style=\"color: #000000;\">The financial Stability of the banks is evaluated by the banks using the framework of <strong>CAMELS<\/strong><\/span><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">C- Capital Adequacy<\/span><\/strong><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">A- Asset Quality<\/span><\/strong><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">M- Management<\/span><\/strong><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">E- Earnings Quality<\/span><\/strong><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">L- Liquidity<\/span><\/strong><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">S- Sensitivity to Market Risk<\/span><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">This framework was recommended by the <strong>Basel Committee on Banking Supervision<\/strong> by\u00a0the<strong> Bank for International Settlements (BIS).<\/strong><\/span><br><\/li><li><span style=\"color: #000000;\"><strong>The board for Financial Supervision (BFS)<\/strong> works under the control of RBI and supervises all the financial institutions except Stock Markets and Insurance.<\/span><br><\/li><li><strong><span style=\"color: #000000;\">Basel norms (Basel 1, Basel 2 and Basel 3) are being implemented for Risk Management.<\/span><\/strong><br><\/li><li><strong><span style=\"color: #000000;\">PCA (Prompt Corrective Action) to take corrective actions.<\/span><\/strong><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>2. PCA (Prompt Corrective Action) Framework<\/strong><\/span><\/h4>\n\n\n\n<p><span style=\"color: #000000;\">PCA Framework consists of the following three parameters<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><span style=\"color: #000000;\">Capital to risk-weighted assets ratio (CRAR),<\/span><\/strong><br><\/li><li><strong><span style=\"color: #000000;\">Net non-performing assets (NPA) and<\/span><\/strong><br><\/li><li><strong><span style=\"color: #000000;\">Return on Assets (RoA)<\/span><\/strong><\/li><\/ul>\n\n\n\n<p><span style=\"color: #000000;\">The Reserve Bank takes some actions and puts some restrictions on the bank as soon as the value for any one of these parameters goes beyond a certain limit.<\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>3. Risk-Return Tradeoff<\/strong><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"color: #000000;\">The risk-return trade-off is the principle that potential return rises with an increase in risk.<\/span><br><\/li><li><span style=\"color: #000000;\">Low levels of uncertainty or risk are associated with low potential returns, whereas high levels of uncertainty or risk are associated with high potential returns.<\/span><br><\/li><li><span style=\"color: #000000;\">According to the risk-return tradeoff, invested money can render higher profits only if the investor is<\/span>.<br><\/li><li><span style=\"color: #000000;\">Willing to accept the possibility of losses.<\/span><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>Sample Questions<\/strong><\/span><\/h4>\n\n\n\n<p><strong><span style=\"color: #000000;\">Q. Risk Management includes all of the following processes except?<\/span><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><span style=\"color: #000000;\">Risk Monitoring and Control<\/span><\/li><li><span style=\"color: #000000;\">Risk Identification<\/span><\/li><li><span style=\"color: #000000;\"><strong>Risk Avoidance<\/strong><\/span><\/li><li><span style=\"color: #000000;\">Risk Response Planning<\/span><\/li><li><span style=\"color: #000000;\">Risk Management Planning<\/span><\/li><\/ol>\n\n\n\n<p><span style=\"color: #000000;\"><strong>Answer: (3)<\/strong><\/span><\/p>\n\n\n\n<p><strong><span style=\"color: #000000;\">Q. The three factors that characterize project risk are _________?<\/span><\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><span style=\"color: #000000;\">The severity of impact, duration of impact, and cost of impact<\/span><\/li><li><span style=\"color: #000000;\">Identification, Type of risk category, and Probability of impact<\/span><\/li><li><span style=\"color: #000000;\"><strong>Risk event, Risk probability, and the Amount at stake<\/strong><\/span><\/li><li><span style=\"color: #000000;\">Occurrence, Frequency, and Cost<\/span><\/li><li><span style=\"color: #000000;\">Cost, Schedule, and Quality<\/span><\/li><\/ol>\n\n\n\n<p><span style=\"color: #000000;\"><strong>Answer: (3)<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">Q. There are two general categories of risk areas, internal and external. Examples of external risk areas are __________?<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><span style=\"color: #000000;\">Schedule delays, Cost overruns, and Changes in technology<\/span><\/li><li><span style=\"color: #000000;\"><strong>Regulatory, Project completion, and Taxation<\/strong><\/span><\/li><li><span style=\"color: #000000;\">Natural disasters, Regulatory, and Design<\/span><\/li><li><span style=\"color: #000000;\">Currency rates, Design, and Social Impact<\/span><\/li><li><span style=\"color: #000000;\">Inflation rates, Performance, and Schedule delays<\/span><\/li><\/ol>\n\n\n\n<p><span style=\"color: #000000;\"><strong>Answer: (2)<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #000000;\">An overview of the topic along with some important terms has been defined in this blog of <strong>Risk Management in Banking Sector &#8211; RBI Grade B Notes<\/strong>. We hope that you find the information given in the blog &#8220;Risk Management in Banking Sector &#8211; RBI Grade B Notes&#8221; useful and informative. Practice more MCQs to get conceptual clarity. RBI Grade B Exam 2020 Notification is soon to be expected, it is advisable to study regularly if you are an aspirant.\u00a0<\/span><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-text-align-center\"><strong>DOWNLOAD THE&nbsp;<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=in.oliveboard.regulatory\" target=\"_blank\" rel=\"noreferrer noopener\">RBI, NABARD, SEBI Prep App<\/a>&nbsp;FOR ON-THE-GO EXAM PREPARATION<\/strong><\/p>\n\n\n\n<p><span class=\"has-inline-color has-black-color\">The app provides comprehensive study material in form of online courses to ace these examinations.<br>The study material ranges from online LIVE classes, video lectures, study notes, revision sessions, past year papers, topic tests, the objective plus descriptive mock tests, mock interviews and much more.<\/span><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.oliveboard.in\/images\/app.png\" alt=\"Oliveboard Mobile App\" width=\"267\" height=\"224\"\/><\/figure><\/div>\n\n\n\n<p><strong><span class=\"has-inline-color has-black-color\">List of Exams<\/span><\/strong><\/p>\n\n\n\n<p><span class=\"has-inline-color has-black-color\">1) RBI Grade B Generalist Posts<br>2) SEBI Grade A Generalist Posts<br>3) SEBI Grade A IT Officer Posts<br>4) NABARD Grade A Generalist Posts<br>5) NABARD Grade A IT Officer Posts<br>6) NABARD Grade A Agriculture Officer Posts<br>7) NABARD Grade B Posts<br>8) SIDBI Grade A Officer Posts<br>9) FSSAI Recruitment &#8211; For Technical officers, Food Safety Officers and Assistants<\/span><\/p>\n\n\n\n<p><span class=\"has-inline-color has-black-color\">Get free video lessons, mock tests and GK tests to evaluate course content before signing up!<\/span><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=in.oliveboard.regulatory\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/img\/play.png\" alt=\"\" width=\"162\" height=\"48\"\/><\/a><\/figure><\/div>\n\n\n\n<p><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Reserve Bank of India being the central bank of the country is a great organisation to work for. Every year<\/p>\n","protected":false},"author":50,"featured_media":39436,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,31,2586,320],"tags":[],"class_list":["post-39353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-bank-exams","category-notes","category-rbi-grade-b","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risk Management in Banking Sector - RBI Grade B Notes - Oliveboard<\/title>\n<meta name=\"description\" content=\"We have covered a topic of Risk Management in Banking Sector - RBI Grade B Notes from the syllabus of Finance &amp; Management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/risk-management-in-banking-sector-rbi-grade-b-notes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risk Management in Banking Sector - RBI Grade B Finance Notes\" \/>\n<meta property=\"og:description\" content=\"Reserve Bank of India being the central bank of the country is a great organisation to work for. Every year Lakhs of aspirants apply for the RBI Grade B\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/risk-management-in-banking-sector-rbi-grade-b-notes\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-23T12:45:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-29T13:02:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2019\/06\/Risk-Management-compressor.png\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Saloni Singhal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:site\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Saloni Singhal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/risk-management-in-banking-sector-rbi-grade-b-notes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/risk-management-in-banking-sector-rbi-grade-b-notes\/\"},\"author\":{\"name\":\"Saloni Singhal\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/6aedd7baaab0f33dc2f40834a257f88c\"},\"headline\":\"Risk Management in Banking Sector &#8211; 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