Основы управления рисками в Банке России

The operational risk was realized because the Bank of Russia was unable to timely process citizen requests due to a high workload of its employees. This resulted in a failure to meet operational objectives and potential negative consequences for the bank's operations.

The sharp increase in the exchange rate of the dollar to the ruble led to a shortage of funds for the Bank of Russia to fulfill a contract in foreign currency, resulting in the failure to deliver equipment for one of the Bank of Russia's most important projects. This situation represents the realization of market risk, which in turn led to the realization of operational risk.

This answer describes strategic risk as the risk of not achieving activity goals and not properly performing functions due to errors or deficiencies in decision-making that determine the strategy of the Bank of Russia's activities and development. It also includes the risk of not considering or timely reacting to external factors that threaten the price and financial stability of the Russian Federation.

The correct answer is "Банком России уплачен в бюджет налог ниже требуемой суммы, что повлекло за собой штрафные санкции к Банку России". This option states that the Bank of Russia paid taxes to the budget below the required amount, resulting in penalty sanctions against the Bank of Russia. This scenario represents a risk event for the Bank of Russia as it implies non-compliance with tax regulations and potential financial penalties.

Описание бизнес-процессов необходимо для облегчения выявления рисков и структурирования работы с ними. Это позволяет более четко понять, какие шаги и действия в рамках бизнес-процессов могут вызвать риски, и разработать соответствующие меры по их управлению. Описание бизнес-процессов также помогает организовать работу с рисками, определить ответственных лиц и установить механизмы контроля и мониторинга.

The principle of "Unity of Opinions" does not relate to the risk management principles of the Central Bank of Russia. This principle refers to the need for all stakeholders within an organization to have a shared understanding and alignment in their opinions and decisions. In risk management, the focus is on identifying, assessing, and mitigating risks, rather than seeking consensus or unity of opinions. The other two principles mentioned, "Training and Motivation" and "Continuity," are relevant to risk management as they emphasize the importance of ongoing education and maintaining a consistent approach to risk management.

The correct answer is "Подразделения-владельцы рисков". This means that the risk-owning departments are responsible for the direct management of operational risks, including identification, assessment, and response to risks. The answer implies that the Bank of Russia delegates the responsibility of managing operational risks to the departments that are directly involved in those risks.

The correct answer is "Да" because the given statement in the question implies that there are risks associated with the Bank of Russia. The reference to the Federal Law and the mention of risks in the activities of central banks suggest that there are indeed risks involved in the operations of the Bank of Russia.

The correct answer states that the consequences of a risk event are negative outcomes that hinder the achievement of goals and the fulfillment of functions of the Bank of Russia. This means that when a risk event occurs, it can have adverse effects on the Bank of Russia's objectives and its ability to carry out its functions effectively.

The risks mentioned in the answer are operational risk, strategic risk, and reputational risk. Operational risk refers to the risk of loss resulting from inadequate or failed internal processes, systems, or human factors. Strategic risk refers to the risk of loss resulting from the bank's business strategy or decisions. Reputational risk refers to the risk of loss resulting from negative public perception or damage to the bank's reputation. These risks are non-financial in nature and can have a significant impact on the bank's operations and overall performance.

This statement is an example of a risk formulation. It describes a situation where the Bank of Russia has violated contractual obligations outlined in a general credit agreement with a supervised credit organization. Risk formulation involves identifying and describing potential risks that may occur in a particular situation or context. In this case, the risk is the violation of contractual obligations by the Bank of Russia.

The main ways to respond to risks include transferring the risk to another party, minimizing the risk through various strategies, financing the risk by allocating resources, accepting the risk and its potential consequences, and avoiding the risk altogether.

The correct answer states that a risk source (risk factor) is an occurrence or action that directly leads to the realization of a risk for the Bank of Russia. This means that it is an event or activity that directly contributes to the occurrence of a negative consequence or outcome that affects the Bank of Russia's goals and functions. In other words, it is something that directly triggers or brings about a risk for the Bank of Russia.

The process of responding to risks includes making decisions about the need to optimize control procedures, the need to implement new response measures, and the method of responding to the risk. This involves evaluating the risks, identifying related risks, and determining significant risks. The description of the business process is not directly mentioned as part of the process of responding to risks.

The correct answer is a combination of three statements. The first statement, "Риск - Ущерб деловой репутации Банка России и финансовые потери от иска клиента" (Risk - Damage to the business reputation of the Bank of Russia and financial losses from a client's lawsuit), is correct because it describes the potential negative consequences that the Bank of Russia may face due to the risk. The second statement, "Причина - На Банк России была осуществлена хакерская атака" (Cause - The Bank of Russia was subjected to a hacker attack), is correct because it identifies the cause of the risk. The third statement, "Риск-событие - Со счета клиента в Банке России была незаконно переведена крупная сумма денег" (Risk event - A large sum of money was illegally transferred from a client's account at the Bank of Russia), is correct because it describes a specific event that occurred as a result of the risk.