Risk
Risk forms the foundation for our position as one of the safest banks in the world. Discover more about this area of expertise at BNG.
Risk forms the foundation for our position as one of the safest banks in the world. Discover more about this area of expertise at BNG.
In Risk, we safeguard the stability and security of BNG in an ever-changing world. Alongside traditional areas like credit, market, and operational risks, we also focus on new challenges such as environmental, behavioural, and cyber risks. We determine which risks BNG does and does not accept and directly contribute to the safety of our organisation. In this way, we continuously work to maintain and improve our position as the third safest bank worldwide.
Risk consists of three departments: Credit Risk Assessment, Risk Management, and Security:
The Credit Risk Assessment department advises and decides on credit risks within BNG. For all clients, including local authorities, we use thorough risk analysis when granting credit. Employees in this department carry out financial analyses, which are used to advise the Credit Committee and the Board of Directors.
The Risk Management team monitors risks within BNG, such as market, liquidity, credit, and operational risks. They also ensure compliance with financial regulations, plan the required amount of capital, and manage it proactively. The team translates risks into clear boundaries, monitors them, and prepares reports. We advise across the whole chain: from the bank’s strategy to daily risk limits.
In the Security department, employees deal with the ever-changing landscape of digital threats. The team works hard to keep BNG safe, without causing inconvenience to clients.