Download or read book A Study on Risk Management Practices in Public and Private Sector Banks written by N. Fathima Thabassum and published by Archers & Elevators Publishing House. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 Risk Management in Commercial Banks a Case Study of Public and Private Sector Banks written by Rekha Arunkumar and published by . This book was released on 2006 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: Quot;Banks are in the business of managing risk, not avoiding it . . . .quot;Risk is the fundamental element that drives financial behavior. Without risk, the financial system would be vastly simplified. However, risk is omnipresent in the real world. Financial Institutions, therefore, should manage the risk efficiently to survive in this highly uncertain world. The future of banking will undoubtedly rest on risk management dynamics. Only those banks that have efficient risk management system will survive in the market in the long run. The effective management of credit risk is a critical component of comprehensive risk management essential for long-term success of a banking institution.Credit risk is the oldest and biggest risk that a bank, by virtue of its very nature of business, inherits. This has, however, acquired a greater significance in the recent past for various reasons. Foremost among them is the wind of economic liberalization that is blowing across the globe. India is no exception to this swing towards market-driven economy. Better credit portfolio diversification enhances the prospects of the reduced concentration credit risk as empirically evidenced by direct relationship between concentration credit risk profile and NPAs of public sector banks. quot;. . . a bank's success lies in its ability to assume and aggregate risk within tolerable and manageable limits.quot.

Download or read book Quality Management Practices for Global Excellence written by Alok Bansal and published by Allied Publishers. This book was released on 2015-01-05 with total page 489 pages. Available in PDF, EPUB and Kindle. Book excerpt: Achieving excellence in the fast changing global scenario of business and world economic structure demands deeper insight into the quality management practices. To survive in this competitive and challenging global business arena one needs to adopt quality management strategies that incorporate the best global practices. An attempt has been made in the present cook to focus on quality aspects and solutions that can enhance global business excellence.

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 Impact of Basel III on Public and Private Sector Banks written by Charu Watts and published by . This book was released on 2023-06-06 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The implementation of Basel III regulations has had a significant impact on the banking industry worldwide. This description focuses on the effects of Basel III implementation in the banking industry, specifically through a comparative study of selected public and private sector banks. Basel III, developed by the Basel Committee on Banking Supervision, aims to strengthen the global banking system by introducing stricter capital adequacy, liquidity, and risk management requirements. The comparative study explores how these regulations have influenced both public and private sector banks. The effects of Basel III implementation on banks can be observed in various areas. Firstly, capital adequacy requirements have compelled banks to maintain higher capital reserves, ensuring they have a sufficient cushion to absorb potential losses. This has led to changes in banks' capital structures and strategies, affecting their lending capacity and profitability. Secondly, Basel III's liquidity regulations, such as the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR), have emphasized the importance of maintaining sufficient liquidity buffers. Banks have had to adopt strategies to manage their liquidity positions effectively, ensuring they can withstand periods of financial stress. Additionally, Basel III's enhanced risk management requirements have prompted banks to improve their risk assessment frameworks and strengthen internal controls. Banks have focused on better risk measurement, monitoring, and mitigation practices, resulting in a more resilient banking system. The comparative study explores how the effects of Basel III implementation differ between public and private sector banks. Factors such as governance structures, capital resources, risk appetite, and market competitiveness may influence how banks in each sector adapt to the new regulations. Overall, the implementation of Basel III regulations has brought about significant changes in the banking industry. While it has increased the resilience and stability of banks, it has also posed challenges for profitability, lending practices, and liquidity management. The comparative study of selected public and private sector banks provides valuable insights into how different banking institutions have responded to and navigated these regulatory changes. By understanding these effects, policymakers and industry stakeholders can make informed decisions and further strengthen the global banking system.

Download or read book Risk Management in Organizations written by Margaret Woods and published by Routledge. This book was released on 2011 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt: Risk Management in Organizations sets the world of risk management in the context of the broader corporate governance agenda, as well as explaining the core elements of a risk management system. With a detailed array of risk management cases, lecturers and managers will find this a uniquely well researched resource.

Download or read book Assessing the Risk Management Process in the Banking Industry written by Letizia Zisa and published by GRIN Verlag. This book was released on 2011-05-04 with total page 31 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seminar paper from the year 2010 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, Leeds Metropolitan University, course: Risk Management, language: English, abstract: Risk is inevitable within business environments. It is an inherent part of business and public life. Risk covers all aspects of organizational activities, therefore it is included in all management levels. Nowadays, every business faces risks. As competition increases, banks and insurance companies need a fundamental and clear understanding of all the risks they are taking in order to protect every asset of their organisation, such as financial, intellectual and human assets. In an ever changing environment organisations must be prepared to any changes, whether they like it or not, and more importantly, adapt to all those changes that might threaten their business activities. Organisations must be prepared that the uncertainty and the risk of a potential event cannot be eliminated but must be assessed proactively in order to take advantage of it. “Nothing ventured, nothing gained” (Dallas, M.F., 2006, p.37).

Download or read book Risk Management for Central Banks and Other Public Investors written by Ulrich Bindseil and published by Cambridge University Press. This book was released on 2009-01-15 with total page 541 pages. Available in PDF, EPUB and Kindle. Book excerpt: A survey of the fundamental issues and techniques surrounding risk management.

Download or read book Evaluating the Credit Risk Management Framework of Public and Private Sector Banks in India 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: Professional management and sincere efforts towards upgrading Credit Risk Management (CRM) framework have gained reasonable pace in both the public and private sector banks alike. The present study, first of its kind, attempts to find the difference in the strength of overall CRM framework of private and public sector banks in India in quantitative terms and also identifies the specific CRM elements leading to such differences in their respective frameworks, if any. A mathematical evaluation tool, namely, CRM Index Score, comprising quantitative assessment of the current set of CRM practices relating to organization, policy and strategy, operations and systems at transaction level and operations and systems at portfolio level, the four basic elements of CRM framework, were deployed for making a comparative evaluation. The findings revealed that the strength of the overall CRM framework did not vary significantly between public and private sector banks as on the whole there existed very little difference in the scores of the public and private sector banks.

Download or read book The Failure of Risk Management written by Douglas W. Hubbard and published by John Wiley & Sons. This book was released on 2020-02-26 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical guide to adopting an accurate risk analysis methodology The Failure of Risk Management provides effective solutionstosignificantfaults in current risk analysis methods. Conventional approaches to managing risk lack accurate quantitative analysis methods, yielding strategies that can actually make things worse. Many widely used methods have no systems to measure performance, resulting in inaccurate selection and ineffective application of risk management strategies. These fundamental flaws propagate unrealistic perceptions of risk in business, government, and the general public. This book provides expert examination of essential areas of risk management, including risk assessment and evaluation methods, risk mitigation strategies, common errors in quantitative models, and more. Guidance on topics such as probability modelling and empirical inputs emphasizes the efficacy of appropriate risk methodology in practical applications. Recognized as a leader in the field of risk management, author Douglas W. Hubbard combines science-based analysis with real-world examples to present a detailed investigation of risk management practices. This revised and updated second edition includes updated data sets and checklists, expanded coverage of innovative statistical methods, and new cases of current risk management issues such as data breaches and natural disasters. Identify deficiencies in your current risk management strategy and take appropriate corrective measures Adopt a calibrated approach to risk analysis using up-to-date statistical tools Employ accurate quantitative risk analysis and modelling methods Keep pace with new developments in the rapidly expanding risk analysis industry Risk analysis is a vital component of government policy, public safety, banking and finance, and many other public and private institutions. The Failure of Risk Management: Why It's Broken and How to Fix It is a valuable resource for business leaders, policy makers, managers, consultants, and practitioners across industries.

Download or read book Financial Risk Management in Banking written by Shahsuzan Zakaria and published by Routledge. This book was released on 2019-08-08 with total page 339 pages. Available in PDF, EPUB and Kindle. Book excerpt: As risk-taking is an essential part of the banking industry, banks must practise efficient risk management to ensure survival in uncertain financial climates. Banking operations are specifically affected by fluctuations in interest rates which cause financial imbalance; thus banks are now required to put in place an effective management structure that incorporates risk management efficiency measures that help mitigate the wide range of risks they face. In this book, the authors have developed a new modelling approach to determine banks’ financial risk management by offering detailed insights into the integrated approach of dollar-offset ratio and Data Envelopment Analysis (DEA), based on derivatives usage. It further analyses the efficiency measurement under stochastic DEA approaches, namely (i) Bootstrap DEA (BDEA), (ii) Sensitivity Analysis and (iii) Chance-Constrained DEA (CCDEA). As demonstrated in the modelling exercise, this integrated approach can be applied to other cases that require risk management efficiency measurement strategies. Additionally, this is the first book to comprehensively review the derivative markets of both the developed and developing countries in the Asia-Pacific region, by examining the differences of risk management efficiency of the banking institutions in these countries. Based on this measurement approach, strategies are provided for banks to improve their strategic risk management practices, as well as to reduce the impacts from external risks, such as changes in interest rates and exchange rates. Furthermore, this book will help banks to keep abreast of recent developments in the field of efficiency studies in management accounting, specifically in relation to hedge accounting, used by banks in the Asia-Pacific region.

Download or read book The Future of State Owned Financial Institutions written by Gerard Caprio and published by Rowman & Littlefield. This book was released on 2010-12-01 with total page 396 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research suggests that if the majority of a country's financial institutions are owned by the state, that country will experience slower financial development, less efficient financial systems, less private sector credit, and slower GDP growth. Yet more than 40 percent of the world's population live in countries in which public sector institutions dominate the banking system. In The Role of State-Owned Financial Institutions: Policy and Practice noted experts discuss the challenges presented by state-owned financial institutions and offer cross-disciplinary solutions for policymakers and banking regulators. The issues include: methods for effectively managing, reforming, and privatizing state-owned banks; the fiscal costs and contingent liabilities of state-owned banks; macroeconomic implications and the impact of state-owned banking on access to credit in an economy; guidance for effective supervision of state-owned banks; managerial perspectives on improving products, human resources, and risk; management case studies of different methods of privatization, such as initial public offerings, employee stock ownership plans, and strategic investors Contributors include David Binns (Beyster Institute), Robert Cull (World Bank), Ron Gilbert (ESOP Services), James A. Hanson (World Bank), Richard Hemming (International Monetary Fund), Fred Huibers (ING Research), Arminio Fraga (formerly Central Bank of Brazil), Nicholas Lardy (Institute for International Economics), David Marston (International Monetary Fund), Moody's Global Investor Service, Herman Mulder (ABN-Amro), William Nichol (Deutsche Bank AG), Urjit Patel (Infrastructure Development Finance Company, India), and P. S. Srinivas (World Bank).

Download or read book Handbook of Evidence Based Management Practices in Business written by Satyendra Kumar Sharma and published by Taylor & Francis. This book was released on 2023-05-25 with total page 725 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a collection of selected high-quality research papers presented at the 4th International Conference on Evidence-Based Management (ICEBM) 2023, held at Birla Institute of Technology & Science, Pilani, Rajasthan, India, during February 24–25, 2023. It has 76 chapters written by various scholars focusing on evidence-based management practices in different functional areas of management with the application of theory and empirical techniques. This book will be helpful to practitioners, academics, scholars, and policymakers.

Download or read book MANAGEMENT OF FINANCIAL INSTITUTIONS written by MEERA SHARMA and published by PHI Learning Pvt. Ltd.. This book was released on 2008-05-27 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written in a highly readable style, this book provides in-depth coverage of the concepts of management of financial institutions, focusing primarily on the banking sector and risk management. Divided into five parts, the text first looks at the framework of the Indian financial sector and examines the significance of various financial intermediaries. It then moves on to explain in detail the products and financial statements of banks and their methods of performance analysis. The book exposes the students to various risks faced by financial institutions and elaborates on the process of risk management. It analyzes the regulatory framework for financial institutions and discusses their capital management with emphasis on both the first and second Basel accords. In addition, the text provides a thorough exposition of the Indian banking industry in the light of latest trends, data and RBI regulations. KEY FEATURES  Facilitates easy understanding of theory with the help of a number of figures, tables, graphs and worked-out examples.  Highlights the key concepts in boxes throughout the text.  Incorporates chapter-end questions and problems, case studies and computer-based exercises to help students master the concepts. This book is designed for a course in Management of Financial Institutions, offered to postgraduate students of management programmes (Finance and Banking) and commerce. It will also be useful to practising bankers and risk managers.

Download or read book CAMELS RATING OF INDIAN BANKING SECTOR written by Dr. Tarsem Lal and Mr. Arjun Gupta and published by Ashok Yakkaldevi. This book was released on 2022-08-25 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: The banking industry is a vital part of the financial system. It aids in the stimulation of capital formation, innovation, and monetization, as well as the facilitation of monetary policy and plays an important part in the economic development of countries (Said & Tumin, 2011). It acts as a catalyst for achieving a long-term economic upswing through effective fiscal intervention. A financially sound system encourages investment by funding lucrative market niches, mobilising savings, efficiently dispensing resources and making commodity and service trading more convenient (Echekoba et al., 2014). During the liberalisation process in India, the banking industry has changed significantly. Since 1969, when the Indian government nationalised all major banks, the banking sector in India has been dominated by public sector banks.

Download or read book Research Practices and Innovations in Global Risk and Contingency Management written by Strang, Kenneth David and published by IGI Global. This book was released on 2018-01-12 with total page 458 pages. Available in PDF, EPUB and Kindle. Book excerpt: Risk management is a vital concern in any organization. In order to succeed in the competitive modern business environment, the decision-making process must be effectively governed and managed. Research, Practices, and Innovations in Global Risk and Contingency Management is a critical scholarly resource that provides an all-encompassing holistic discussion of risk management and perception, while giving readers innovations on empirical risk-contingency management research and case studies. Featuring coverage on a broad range of topics, such as contingency planning, project management, and risk mitigation, this book is geared towards academicians, practitioners, and researchers seeking current research on risk and contingency management issues.