Risk Management Unit
Risk Management Unit

The Risk Management Unit assesses the enterprise-wide risks within the guidelines / criteria and notifications of the State Bank of Pakistan that PICL may have to encounter through its activities.
  1. All potential business proposals are screened by the Credit Risk-Appraisal Function and only those evaluations are put forward for the approvals which meet internal guidelines / criteria.
  2.  Market Risks arising from business activities are monitored and managed by the Market Risk Function. Routine operations of Treasury & Investment Functions are monitored through Middle Office Function while ALCO provides strategic direction in relation to Balance Sheet Management. Capital Market operations are also subject to stringent and comprehensive Risk Management guidelines to ensure adequate control.
  3.  Operational Risk Function is developing key risk indicators in coordination with Internal Audit Unit.