Risk Management Division

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Risk Management

After recognization the need for Risk Management and complying guidelines of State Bank of Pakistan, this division was established under in House Building Finance Corporation at Head Office Karachi under the supervision of Ms. Sarwat Gilani in July 2005. Being an imperative unit, Risk Management Division is engaged in formulation and implementation of policies for managing major risk faced by the corporation including Price, Interest Rate, Credit, Liquidity, Market and Operational Risks. We are in process of devising and implementing a structure for identifying, assessing, monitoring and reporting of these Risks. Our target is to add value to our organization by assisting the management in decision making process in the shape of analytical risk reviews and reports.

The following activities are carried out on regular basis:

Formulate Policies and Guidelines for managing all the Risk Categories mentioned above. These policies need to be approved by the Board and implemented at all level for the organization.
Introduce an Integrated Risk Management Structure within the organization. The structure should clearly define scope of work and responsibilities related to risk for individuals and various oversight committees like ALCO, Credit Committee, Risk Management Committee etc.
Introduce and implement Internation Best Practices for risk management to the extent they can be practically adopted given the environment, nature and size of the organization.
Implement and fulfill all the requirement of State Bank of Pakistan as outlined in Risk Management Guidelines for Commercial Bnaks & DFIs and circulars issued from time to time.
Implementation of Basel II. Developing a Road map and strategies for its implementation.
Facilitate management in business decision by providing analytical and conceptual risk reviews as and when required.
Review all the assets and liability product and issue risk review for the same before finalization.
Keep update of latest techniques, market information and requirement of regulatory international bodies related to risk management.

Contact Person:

Ms. Sarwat Gilani

General Manager (RMD)

Head of Risk Management