RISK MANAGEMENT

- Investment banking
Other interests: research, stocks, baking, painting, badminton
Candice spoke to me about:
 Three risk stripes
1. Operation
2. Market
3. Credit

 Why Morgan Stanley:

I genuinely enjoy the idea of planning for the future of a business and the ability to solve money related issues. I
believe that MS allows individuals to be creative and collaborate which is very important to build relationships
and solve problems.

Values: Morgan Stanley is guided by five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to
diversity and inclusion, and give back.

Very attractive values to me include diversity and inclusion cuz…

Sustainability: Morgan Stanley partners with clients and stakeholders to mobilize capital at scale for a sustainable, low-carbon
economy. Our businesses strive to deliver environmental, social and governance (ESG) solutions that reduce risk, enhance value
and expand the frontiers of sustainable finance. We aim to operate sustainably and to disclose our global progress.\

 Why risk management

- The concept of risk is very interesting to me and how companies actually reduce risk; the understanding of risk
management would add to my understanding of finance.
- Effectively managing the risk associated with a business is a critical and intrinsic
- responsibility of management
- Risk Management works best when the Firm’s risk appetite is clear and when business
- managers possess a strong risk management culture and own the risk

 How banks make money

- They make money from what they call the spread, or the difference between the interest rate they pay for deposits and the
interest rate they receive on the loans they make. They earn interest on the securities they hold.