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Extra info for Introduction to Risk Management Citibank

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Summary — Market Risk Market risk is made up of two elements: price risk and liquidity risk. Price risk is the risk associated with changes in market factors that affect the value of all positions. These factors include interest rates, commodity prices, and volatility in options. 0 1-14 RISK CATEGORIES Liquidity risk is the risk that Citibank will not be able to meet financial commitments to customers or other market participants when they are due. There are two types of liquidity risk. Funding liquidity risk is the risk that the bank will not have the funds available to fulfill its financial obligations.

For instance, suppose that Builders, Inc. wishes to borrow $1,000,000 to finance a new construction project. Bank XYZ agrees to do this and draws up a contract for that amount. However, Bank XYZ and Builders, Inc. are located in a country which imposes a legal lending limit of 5%, meaning that Bank XYZ cannot loan more than 5% of its capital to one customer. The current capital of Bank XYZ is $10,000,000, so it is legally allowed to loan Builders, Inc. only $500,000. Exceeding the legal lending limit may subject the bank to a sanction or fine.

Defaults on the loan. Disclosure Risk Improper information reporting Disclosure risk occurs when we act as an agent for other investors, either as an underwriter or as an advisor on a transaction. , approaches Midtown Bank for another loan. 's account. Bank XYZ confirms that Builders has been a good customer and reveals that they have a healthy deposit account of $1,823,000. 's deposit account balance, and once again, Bank XYZ is in trouble. 0 v05/15/96 p01/07/00 RISK CATEGORIES 1-19 Legal and Regulatory Risk Regulatory, civil, or criminal sanctions or litigation Legal and regulatory risk occurs whenever the bank, a related corporate entity (such as a non-bank subsidiary or affiliate), a transaction, or a customer is subject to a change in exposure resulting from regulatory, civil or criminal sanctions, or litigation.

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