A Study On Risk Management Practices In Public And Private Sector Banks
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A Study On Risk Management Practices In Public And Private Sector Banks
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Author : N. Fathima Thabassum
language : en
Publisher: Archers & Elevators Publishing House
Release Date :
A Study On Risk Management Practices In Public And Private Sector Banks written by N. Fathima Thabassum and has been published by Archers & Elevators Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on with Antiques & Collectibles categories.
Employee S Perception Of Risk Management In Indian Banks
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Author : Bansal Mansi
language : en
Publisher: Independent Author
Release Date : 2022-11-09
Employee S Perception Of Risk Management In Indian Banks written by Bansal Mansi and has been published by Independent Author this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-11-09 with Business & Economics categories.
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.
Risk Management In Commercial Banks A Case Study Of Public And Private Sector Banks
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Author : Rekha Arunkumar
language : en
Publisher:
Release Date : 2006
Risk Management In Commercial Banks A Case Study Of Public And Private Sector Banks written by Rekha Arunkumar and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with categories.
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.
Impact Of Basel Iii On Public And Private Sector Banks
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Author : Charu Watts
language : en
Publisher:
Release Date : 2023-06-06
Impact Of Basel Iii On Public And Private Sector Banks written by Charu Watts and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-06-06 with Business & Economics categories.
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.
Ownership Effects On Credit Risk Management Strategic Decisions
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Author : Anju Arora
language : en
Publisher:
Release Date : 2014
Ownership Effects On Credit Risk Management Strategic Decisions written by Anju Arora and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
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.
Evaluating The Credit Risk Management Framework Of Public And Private Sector Banks In India
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Author : Anju Arora
language : en
Publisher:
Release Date : 2015
Evaluating The Credit Risk Management Framework Of Public And Private Sector Banks In India written by Anju Arora and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
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.
The Future Of State Owned Financial Institutions
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Author : Gerard Caprio
language : en
Publisher: Rowman & Littlefield
Release Date : 2010-12-01
The Future Of State Owned Financial Institutions written by Gerard Caprio and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-12-01 with Business & Economics categories.
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).
Public Sector Banks In India
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Author : R. K. Raul
language : en
Publisher: Gyan Publishing House
Release Date : 2005
Public Sector Banks In India written by R. K. Raul and has been published by Gyan Publishing House this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Banks and banking categories.
The present book examines the impact of Financial Reforms on the working of banking sector in general and Public Sector Banks in particular. In addition to assess multi-dimensional trend of banking sector, it examines the impact of Deregulation Policies on the Management of bank s resources. The book identifies many critical issues like determinants of Non-performing Assets, Profitability productivity of banks, mismatch of assets and liabilities and services rendered by banks particularly in the backward regions. The treatise embodies in it inter-intra banks and inter-intra regional, districts level variations. To encounter the objectives, appropriate hypothesis have been framed, statistical and financial techniques have been used to testify, the nature and problems of Public Sector vis-à-vis Private Sector and foreign banks. This book runs into ten chapters encompassing into different aspects of bank s performances with critical assessment in the context of reform package. The book will meet the growing interest of students, researchers, scholars, policymakers and general readers. It may be used as textbook for B.Com, B.B.A., M.B.A.; M.F.M. and M.A. (Eco.), M.Sc. (Eco.) courses.
Risk Management In Organizations
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Author : Margaret Woods
language : en
Publisher: Routledge
Release Date : 2011
Risk Management In Organizations written by Margaret Woods and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
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.
Assessing The Risk Management Process In The Banking Industry
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Author : Letizia Zisa
language : en
Publisher: GRIN Verlag
Release Date : 2011-05-04
Assessing The Risk Management Process In The Banking Industry written by Letizia Zisa and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-05-04 with Business & Economics categories.
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).