这个报告的目的是评估现有的澳大利亚国民银行的风险包括战略风险、利率风险、市场风险、信用风险、信用组合风险、流动性风险和外汇风险和做出一些建议,可以提高通过比较与其他三大银行在澳大利亚联邦银行、澳新银行和西太平洋银行)。通过评估我们集团的风险状况，我们可以得出结论，由于总体的经济状况，我们的战略风险和利率风险与其他三家银行几乎相同。在99%的置信水平上使用VaR，我们的市场风险远低于其他三家银行，但这并不意味着我们有更大的信心来避免这种风险，我们仍然需要关注和衡量我们的市场风险与其他方法。本集团的信贷风险较其他三家银行为低，但在财务数据方面仍然偏高，这意味着我们应采取行动，尽量减少不可挽回的贷款。在流动性风险方面，我们集团在2014年经历了流动性不足的危险，流动性风险应引起高度重视。最后，由于我们在海外的金融业务活动，我们面临着和其他三家银行一样的外汇风险。最后但并非最不重要的是，其他风险，包括保险风险、经营风险、合规风险和声誉风险在本报告中没有讨论，但仍然需要注意。战略风险是指企业在财务、社会或管理战略发生变化时所产生的财务损失的可能性，内部和外部的因素都会极大地阻碍组织实现其战略目标。通过我们2017年的年度报告，我们应该认识到，我们集团可能会采取错误的战略，我们可能不会很快做出反应来应对这种情况。(NAB年报，2017)。本集团长期以来一直在寻找任何能够提升集团财务业绩和社会影响力的机会，但这可能会改变本集团的风险状况和资本结构，并不可避免地带来声誉和财务风险。
This report aims to evaluate existing risks of National Australia Bank including strategic risk, interest rate risk, market risk, credit risk, credit portfolio risk, liquidity risk and foreign exchange risk and make some recommendations to where can be improved by making comparisons with other big three banks in Australia (Commonwealth Bank, ANZ and Westpac). By assessing our Group’s risk profile, it can be concluded that our strategic risk and interest rate risk are almost the same as the other three banks because of the general economic condition. Our market risk is much lower than any other three banks by using VaR at 99% confidence level, but it does not mean that we have more confidence to avoid this risk, we still need attention and measure our market risk along with another method. The Group’s credit risk is lower than the other three banks but still high in terms of financial data which means that we should take actions to try our best to reduce our amount of irredeemable loans. In terms of liquidity risk, our Group experienced the danger of illiquidity in the year 2014 which should be paid much attention to liquidity risk. Finally, due to our financial business activities overseas, we are suffering from foreign exchange risk which is same as the other three banks. Last but not least, other risks which include insurance risk, operational risk, compliance risk and reputational risk are not discussed in this report but still need to be noticed. Strategic risk is the possibility of financial loss arising from changes in the business financial, social or management strategy, both internal and external factors can significantly prevent organizations from achieving their strategic goals. Through our annual report in the year 2017, we should recognize that it is possible for our Group to conduct incorrect strategy and we may not react very quickly to cope with such condition. (NAB Annual Report, 2017). Our group has been seeking an opportunity that can improve our financial performance as well as a social influence for a long time, however, it may change our Group’s risk profile and capital structure and inevitably come with reputational and financial risks.
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