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Note:
1. No: Code of risks
- Credit Risk = CR000xx
- Interest Rate Risk = IRR000xx
- Foreign Exchange Risk = FXR000xx
- Liquidity Risk = LR000xx
- Operation Risk = OPR000xx
- Reputation Risk = RR000xx
- Regulation and Compliance Risk = RCR000xx
2. Area of Risk: Risk type can be write in shortcut such as CR =
Credit Risk, OPR = Operation Risk.
3. Current Risk Description: Description can be written in short
sentence as title/heading and brief description to support risk title.
4. Risk Analysis
- Likelihood: This is a re-assessment of how likely the risk is to
occur now, after controls are in place and their effectiveness is
considered. Rate 1 if the risk was rare to happen and rate 5 if
the risk is frequently or most certain happened.
- Impact: This is assessment of how serious the impact now is,
again, after the existing controls are considered. Rate 1 to 5. 1
if the impact is very small and 5 if the impact is very big.
- Risk Level = impact X Likelihood. The risk level can be scored
following the risk level in Risk Rating Map.
5. Risk Trend: Such as Increase, stable or decrease
6. Risk Implication: Describes what happened and would happen if
the risk occurs.
7. Additional Actions: Additional action/ strategies to mitigated risk
would be mentioned.
8. Risk owner: the specific departments for relevant risks will be
assigned to control and monitor those risks.
9. Due date: Fill out the date when your action can be completed.
10. Estimated Risk level following additional actions: the estimation for
risk level can be score as lower or in the same level after you taken
actions are accomplished.
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Department:Period:
Reportdate:
EarlyWarningReport
RiskIndicator WarningLevel LimitLevel ActualLevel EWS*
1
2
Newrisksraising
No Riskdescription Likelihood Impact Risklevel
1 - Brief description of risk
- Root cause
2 - Brief description of risk
- Root cause
*EWS:EarlyWarningStatus
Safe
Warning
Trigger
Note:Thisearlywarningreportrequiresfillingoutinthisforminsoftcopyandsendbye
mailtoRCUMbynotexceedthe2
nd
weekofnextmonth.
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Appendix 4: Covenant Report form
Lender Advance Payment/Late Repayment Ratio Name Covenant
Requirements
Current MFI
Performance
Other Covenant Notes
XYZ
* For late repayment the overdue
amount will be..................
Portfolio at risk 30+ < xx% < xx% * Merger, Sale of Assets:
.
Write off Ratio < xx% < xx%
Leverage Ratio < x:y < x:y
Unhedged foreign
currency < xx% < xx%
Solvency Ratio >xx% >xx%
ABC
* For late repayment the overdue
amount will be..................
Portfolio at risk 30+ < xx% < xx% * Merger, Sale of Assets:
.
Write off Ratio < xx% < xx%
Leverage Ratio < x:y < x:y
Unhedged foreign
currency < xx% < xx%
Solvency Ratio >xx% >xx%
69
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