Download or read book Credit Risk Management for Indian Banks written by K. Vaidyanathan and published by SAGE Publications Pvt. Limited. This book was released on 2013-09-17 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Risk Management for Indian Banks is a one-stop reference book for practising credit risk professionals in the Indian banking sector. This is the first book of its kind, which is exclusively targets the practical needs of Indian bankers. It lays more emphasis on the ground realities of Indian banking and enunciates principles and guidelines of credit risk management based on real-life situations.
Download or read book Managing Portfolio Credit Risk in Banks An Indian Perspective written by Arindam Bandyopadhyay and published by Cambridge University Press. This book was released on 2016-05-09 with total page 390 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explains how a proper credit risk management framework enables banks to identify, assess and manage the risk proactively.
Download or read book Managing Portfolio Credit Risk in Banks written by Arindam Bandyopadhyay and published by Cambridge University Press. This book was released on 2016-05-09 with total page 390 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit risk is the risk resulting from the uncertainty that a borrower or a group of borrowers may be unwilling or unable to meet their contractual obligations as per the agreed terms. It is the largest element of risk faced by most banks and financial institutions. Potential losses due to high credit risk can threaten a bank's solvency. After the global financial crisis of 2008, the importance of adopting prudent risk management practices has increased manifold. This book attempts to demystify various standard mathematical and statistical techniques that can be applied to measuring and managing portfolio credit risk in the emerging market in India. It also provides deep insights into various nuances of credit risk management practices derived from the best practices adopted globally, with case studies and data from Indian banks.
Download or read book Credit Risk Management Index Score for Indian Banking Sector written by Anju Arora and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last decade, the role of credit risk management practices in the overall risk management in the commercial banks was well accepted and banks have established a set of these practices, collectively known as Credit Risk Management (CRM) framework. The present paper evaluates the strength of CRM framework in the Indian banking industry, and makes a quantitative assessment of the overall CRM framework and each of its three major elements, namely, CRM organization, CRM policy and strategy, and CRM operations and systems. The CRM operations and systems are closely studied at transaction and portfolio levels. The paper statistically arrives at two potential areas of improvement that bank management should focus on in the near future, namely, credit risk monitoring at transaction level and credit portfolio risk analysis. The study provides new insights into CRM process and CRM framework in commercial banks.
Download or read book RISK MANAGEMENT IN BANKS written by Dr. Mustari Hanmanth. N. and published by Lulu.com. This book was released on 2014-03-09 with total page 621 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking is the life line of the economy. Prosperity and adversity of an economy hinges upon the performance of its banking sector. Banks are primarily engaged in mobilisation of funds and its subsequent channelization towards productive activities which are must for economic development. In trying to do so banks are exposed to wide variety of risks, an effective and efficient bank risk management is essential but not so easy. In fact risk management in banks is over sold conceptually yet under utilised in practice. In this backdrop, we felt the need for a book which through flood light on different dimensions of risk management in banks. This has resulted in to the emergence of this book. It is our immense pleasure to place this book with humbleness in to the hands of readers so as to add to pool of their knowledge.
Download or read book Credit Risk Management written by Hong Kong Institute of Bankers (HKIB) and published by John Wiley & Sons. This book was released on 2012-04-13 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt: The importance of managing credit and credit risks carefully and appropriately cannot be overestimated. The very success or failure of a bank and the banking industry in general may well depend on how credit risk is handled. Banking professionals must be fully versed in the risks associated with credit operations and how to manage those risks. This up-to-date volume is an invaluable reference and study tool that delves deep into issues associated with credit risk management. Credit Risk Management from the Hong Kong Institute of Bankers (HKIB)discusses the various ways through which banks manage risks. Essential for candidates studying for the HKIB Associateship Examination, it can also help those who want to acquire a deeper understanding of how and why banks make decisions and set up processes that lower their risk. Topics covered in this book include: Active credit portfolio management Risk management, pricing, and capital adequacy Capital requirements for banks Approaches to credit risk management Structural models and probability of default Techniques to determine loss given default Derivatives and structured products
Download or read book Risk Management In Indian Banks written by Dr. K. M. Bhattacharya and published by . This book was released on 1900 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: CHAPTER 1 - INTRODUCTIONCHAPTER 2 - CONCEPT OF RISKS IN BANKSCHAPTERS 3 - RISK MANAGEMENTCHAPTER 4 - QUANTITATIVE RISK MEASUREMENTCHAPTER 5 - CREDIT RISKCHAPTER 6 - MARKET RISKCHAPTER 7 - OPERATIONAL RISKCHAPTER 8 - SOLVENCY RISK - CONCEPT OF CAPITAL ADEQUACY AND RISK BASED CAPITALCHAPTER 9 - RISK BASED SUPERVISION OF BANKSBIBLIOGRAPHY.
Download or read book The Impact of Branch Network on Credit Risk Management Practices in Indian Banking Sector written by Anju Arora and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The branch network of a commercial bank provides a platform for drawing customers for taking credit, and so the Credit Risk Management (CRM) practices need to be carefully chosen and implemented to ensure timely identification of credit risks across all branches and precise calculation/ measurement of aggregate credit risk, and to build appropriate systems and internal controls at head office such that acceptable level of credit risk is assumed by the banks' branches at all times. The present study attempts to assess whether the size of branch network has significant impact on the diverse range of CRM practices followed by commercial banks in emerging economies by analysing the data collected from 35 scheduled commercial banks in India, an emerging economy. The responding banks were categorized into wide, average and low branch network size on the basis of the number of branches of these banks and responses were sought with regard to a vast range of CRM practices relating to organizational structure, policy guidelines, targets defined in CRM strategy, credit risk rating model, monitoring practices, risk estimation procedures and other operations and systems at portfolio level through a structured questionnaire. The findings reveal that there is no significant difference in CRM practices of banks with varying size of branch network. Another important inference is that as the size of branch network increases, the commercial banks prefer to follow the approach of higher degree of specialization and centralization of authority in CRM. The study also infers that Indian banks with wide branch network are ahead of other sample banks with regard to the scope of CRM policy, credit risk analytical abilities and credit risk monitoring procedures. The findings indicate that size of branch network or emphasis on bricks-andmortar branches to deliver financial services in emerging economies, in particular India, has not served as a deterrent in following benchmark CRM practices. The study suggests further potential areas of improvement in CRM across Indian banks of varying branch network size, which has policy implications for bank management and regulatory authority alike.
Download or read book Employee S Perception of Risk Management in Indian Banks written by Bansal Mansi and published by Independent Author. This book was released on 2022-11-09 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Risk is detrimental to the financial health of the bank and could threaten its survival. To make the banking function sound and diversify the risk, it is necessary to deal with all kinds of risks related to banking. The future of banking will undoubtedly rest on risk management dynamics. Only those banks that have efficient risk management systems will survive in the market in the long run. The study attempts to analyze the risk management practices of Indian banks (Public and Private Sector) so as to infer the status of risk management in Indian banks. This will help in estimating the strength of Indian banks, their resilience to probable catastrophes, and their preparedness for uncertain events. Based upon the norms declared by the Bank of International Standards, viz., Basel norms, a questionnaire-based survey was performed to gauge the standing of Indian Banks. The primary data required for the proposed study has been gathered with the help of two questionnaires and semi-structured interviews. The first questionnaire attempts to explore the perception of employees in the risk management department regarding the risk, risk management practices, and overall risk management philosophy of banks. A total number of 20 banks: 10 Public Sector, 6 Private Sector (New), and 4 Private Sector (Old) Banks have been selected for the study. So, the sample consisted of 100 respondents with 5 employees from each bank. All these respondents belong to the risk management department of the banks under study. The questionnaire is divided into a number of categories that correspond to aspects of the risk management process in Indian banks. The questionnaire includes the following sections: Risk severity, Risk Identification (RI), Risk Assessment & Analysis (RAA), Risk Management Practices (RMP), Risk Monitoring (RM), Mitigation of Risk (MTR), Credit Risk Management (CR), Market Risk Management (MR) and Operational Risk Management (OR). The questionnaire is objective in nature and seeks responses on a seven-point Likert Scale on statements from each section.
Download or read book Analytical Techniques in the Assessment of Credit Risk written by Michalis Doumpos and published by Springer. This book was released on 2018-09-29 with total page 115 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a unique, focused introduction to the analytical skills, methods and techniques in the assessment of credit risk that are necessary to tackle and analyze complex credit problems. It employs models and techniques from operations research and management science to investigate more closely risk models for applications within the banking industry and in financial markets. Furthermore, the book presents the advances and trends in model development and validation for credit scoring/rating, the recent regulatory requirements and the current best practices. Using examples and fully worked case applications, the book is a valuable resource for advanced courses in financial risk management, but also helpful to researchers and professionals working in financial and business analytics, financial modeling, credit risk analysis, and decision science.
Download or read book Credit Risk Management in Indian Banking System written by Sharon Sophia and published by . This book was released on 2013 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit risk management is becoming increasingly important element in Indian banks as its regulatory framework by BASEL II makes banks compulsory to implement credit risk management. The study attempts to identify the application and implementation of credit risk management in banks. Survey method and MANOVA analysis is done to evaluate and identify the implementation of credit risk management.
Download or read book Credit Risk Management Principle and Practices written by and published by . This book was released on 2021 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Relationship Between Credit Risk Management and Non Performing Assets of Commercial Banks in India written by Sirus Sharifi and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The study examines the impact of credit risk components on the performance of credit risk management and the growth in non-performing assets of commercial banks in India.The data is obtained from primary and secondary sources. The primary data is collected by administering questionnaire among risk managers of Indian banks. The secondary data on non-performing assets (NPAs) of Indian banks is from annual reports and Prowess database compiled by Centre for Monitoring Indian Economy (CMIE). Multiple linear regression is used to estimate the models for our study. The results suggest that identification of credit risk significantly affects the credit risk performance. The results are robust as credit risk identification is negatively related to annual growth in non-performing assets or loans. There is evidence in support of a priori expectation of better credit risk performance of private banks compared to that of government banks. The study has implications for Indian banks suffering from high level of losses due to bad loans. In addition, it will have implications for the implementation of new Basel Accord norms (Basel III) by Reserve Bank of India (RBI). The high and rising level of NPAs will have adverse consequences for credit flow in the economy in the absence of appropriate intervention by government and central bank in the form of changes in institutional and regulatory infrastructure. The problems in banking and financial services sector will lead to lower industrial and aggregate economic growth, and lower (or negative) growth in employment.There is little evidence on credit risk management practices of Indian banks, and its relationship with credit risk performance and NPA growth. The need for an effective risk management system to manage credit risk assumes importance and urgency in the context of high and rising NPAs of Indian banks, and the consequences for the Indian economy.
Download or read book Risk Management in Indian Banks written by Suksham Aneja and published by . This book was released on 2016 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nothing is constant but risk in today's dynamic environment. Banking is the business of risks and all banks are exposed to a variety of risks viz. a viz. credit risk, liquidity risk, foreign exchange risk, market risk and interest rate risk. It is very important to handle these risks in a pre-emptive, proficient and cohesive manner to maintain sound financial health of a bank. The purpose of this empirical study is to make an assessment as to how far Indian banks have been successful in achieving their objectives of minimizing the negative effects that risks can put on the financial results and capital of a bank. The need of the hour is an efficient risk management system comprising risk identification, measurement and control. An effort has been made to assess the financial health of the commercial banks in India by analyzing their riskiness and the probability of being insolvent. The insolvency risk for 73 Indian banks (26 public sector banks, 20 private sector banks and 27 selected foreign banks) using Z-Index along with the probabilistic prediction of their book value bankruptcy over a period of nine years i.e. from 2005-06 to 2013-14 has been analyzed and a comparative analysis among public, private and foreign banks to examine the probability of their book value bankruptcy has been made.
Download or read book Managing Indian Banks written by Vasant C. Joshi and published by . This book was released on 1998 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Ownership Effects on Credit Risk Management Strategic Decisions written by Anju Arora and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The present study attempts to investigate the impact of bank ownership on Credit Risk Management (CRM) strategic decisions in Indian banking sector by using primary data regarding CRM strategic decisions of 24 public sector banks and 11 Indian private sector banks. The study observes that CRM strategic decisions are not significantly influenced by bank ownership, except with regard to the decision regarding the unit responsible for framing CRM policy. Apparent variations in strategic decisions are observed between public sector and private sector banks with regard to some issues. The study concludes that public sector banks prefer centralization of authority in strategic decision making. It also identifies the relatively weak areas that the sample banks should focus upon to strengthen their CRM framework. Thus, the findings of the study make important contribution to the ongoing debate on the impact of bank ownership on risk management practices.
Download or read book Asset Liability Management in Banking Sector written by Jaskaran Singh Dhillon and published by LAP Lambert Academic Publishing. This book was released on 2012 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Banking, Asset and Liability Management (often abbreviated ALM) is the practice of managing risks that arise due to mismatches between the assets and liabilities (debts and assets) of the bank. Banks face several risks such as the liquidity risk, interest rate risk, credit risk and operational risk. Asset liability management (ALM) is a strategic management tool to manage interest rate risk and liquidity risk faced by banks, other financial services companies and corporations. Banks manage the risks of asset liability mismatch by matching the assets and liabilities according to the maturity pattern or the matching of the duration, by hedging and by securitization. . Modern risk management now takes place from an integrated approach to enterprise risk management that reflects the fact that interest rate risk, credit risk, market risk, and liquidity risk are all interrelated.