Credit Risk Management In Indian Banking System
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Credit Risk Management For Indian Banks
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Author : K. Vaidyanathan
language : en
Publisher: SAGE Publications Pvt. Limited
Release Date : 2013-09-17
Credit Risk Management For Indian Banks written by K. Vaidyanathan and has been published by SAGE Publications Pvt. Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-09-17 with Business & Economics categories.
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.
Credit Risk Management In Indian Banking System
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Author : Sharon Sophia
language : en
Publisher:
Release Date : 2013
Credit Risk Management In Indian Banking System written by Sharon Sophia and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
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.
Managing Portfolio Credit Risk In Banks An Indian Perspective
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Author : Arindam Bandyopadhyay
language : en
Publisher: Cambridge University Press
Release Date : 2016-05-09
Managing Portfolio Credit Risk In Banks An Indian Perspective written by Arindam Bandyopadhyay and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-05-09 with Business & Economics categories.
This book explains how a proper credit risk management framework enables banks to identify, assess and manage the risk proactively.
Credit Risk Management Index Score For Indian Banking Sector
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Author : Anju Arora
language : en
Publisher:
Release Date : 2014
Credit Risk Management Index Score For Indian Banking Sector 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.
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.
Risk Management In Banks
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Author : Dr. Mustari Hanmanth. N.
language : en
Publisher: Lulu.com
Release Date : 2014-03-09
Risk Management In Banks written by Dr. Mustari Hanmanth. N. and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-09 with Business & Economics categories.
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.
Credit Risk Management Principle And Practices
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Author :
language : en
Publisher:
Release Date : 2021
Credit Risk Management Principle And Practices written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with categories.
The Impact Of Branch Network On Credit Risk Management Practices In Indian Banking Sector
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Author : Anju Arora
language : en
Publisher:
Release Date : 2015
The Impact Of Branch Network On Credit Risk Management Practices In Indian Banking Sector 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.
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.
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.
Risk Management In Indian Banking Sector
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Author : Prajakta Prabhune
language : en
Publisher:
Release Date : 2015-11-30
Risk Management In Indian Banking Sector written by Prajakta Prabhune and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-11-30 with categories.
Risk Management in Indian Banking Sector is a Riskpro Publication and a comprehensive reference for the Indian Banking industry, covering various aspects of Risk and Compliance. This useful guide emphasize on Basel III Compliance, Capital Adequacy, derivatives, liquidity analysis, market risk, structured products, credit risk, securitizations etc. This is one of the foremost books written by the Industry expert in the BASEL III Compliance
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.