Credit Risk Management

Risk Management in Banks

Tags:	Banking,Risk Management
Category:	Business Area
Industries:	Banking
Functional Areas:	Performance
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Members:	641
Jobs:	175
Articles:	138
Questions:	39
Debates:	42
Idea Contests:	34

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Topic of the week : Biggest Project Management Mistakes Go to Topic

Nearly 70 percent of IT projects are dogged by cost-overruns or aren't...

Problems and Challenges Faced in IT Project Management


	5 risk assesment...
	2 Planning and Execution
	1 IT Funding

Is the time management is really managing the time

Is time management is really managing the time or its jus the criteria to manage ourselves,i m in doubt that are these factors the same or does there exist a difference between them please add ur view regarding the matter with a reason. Thank you,

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Argue

Allow banks to charge more for small loans: Is this suggestion by NABARD right?

197 referals, 12 arguments, 39 views

	Argument added by Ayan Kumar Das, Solution Manager, Misys International Financial Systems \| Topic: Banking access in rural regions \| 1 year ago
	Pricing for loans should be a function of cost of funds, operating costs, credit costs (incl. credit losses/provisions) and profit margin. I feel the operating cost as a percentage of credit extended is pretty high for small ticket loans, be it...

Argue

Are the students changing after entering the corporate office?

1337 referals, 4 arguments, 0 views

	Argument added by Muhammad Salman, Team lead - Operations, Zetroplex \| Topic: Corporate Layoffs \| 1 year ago
	yes they do change. without changing they can't sustain.

Argue

Bancassurance in India- success or failure

275 referals, 8 arguments, 70 views

	Referred by Nishith Mehta, Fraud Risk Management, Fullerton India Credit Co Ltd \| 2 years ago
	Bancassurance as a means of distribution of insurance products is already in force Bancassurance is not simply about selling insurance but about changing the mindset of a bank.

Argue

India- The Mother of All

74 referals, 4 arguments, 22 views

	Argument added by Mathew Cherian, Research Associate/Analyst, Western Michigan University \| Topic: Dream India \| 2 years ago
	Knowledge, culture and heritage....., let me explain the definition of culutre, it is the belief and aspirations commonly prevelent in a cluster. Do we have a common culutre, I don't think so. Do we all believe that welfare, transparency and mutuality...

Argue

Jobs Vs Entrepreneurship

546 referals, 16 arguments, 127 views

	Argument added by Sudeep Tarafdar, Senior Consultant, IBM \| 2 years ago
	In my opinion its good to take up job rather than being an enterpreneur, right after the college. It will be easy for us to run the business after gaining some experience in a corporate house. Taking up a job will help us to bring discipline in our...

Argue

What can be better option for savings having idl liquidity or investing in short term product like ELSS etc ? any suggestions

7 referals, 2 arguments, 9 views

	Argument added by Swati Raut, Product Manager, Aviva \| Topic: Managing liquidity crisis \| 2 years ago
	It would have been great if you have mention the sides Mr. Fuzel. It always better to invest rather than having idel liquidity. ELSS is an efficient investment tool that offers the twin-advantage of healthy capital appreciation and reduced tax burden....

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Solution for the energy crisis, will it be Solar power???

1 referals, 14 arguments, 308 views

	Argument added by Dayanand Deshpande, Senior Consultant, Ernst & Young \| Topic: New and Renewable energy \| 2 years ago
	In our country we still lack proper infrastructure which can make us rely only on Solar Energy. We cannot solely depend on Solar energy as we still lack proper infrastructure. To overcome this problem, an idea which can be suggested is, to use all...

Argue

An apolitical federal government would be better for India

143 referals, 9 arguments, 206 views

	Argument added by Dayanand Deshpande, Senior Consultant, Ernst & Young \| Topic: 2009 General Elections : Key Issues \| 2 years ago
	I agree with this statement. The present democratic system in India is completely unstable which has no guarantee of sustaining for a long time. One of the reasons of this can be, it is runned mainly by politicians and unfortunately, majority of our...

Argue

How to define and measure Liquidity,liquidity risk tolerance and cushion value for a bank?

73 referals, 12 arguments, 156 views

	Argument added by Sanjay Thakur, PhD Student in Finance(Portfolio Risk Management), IIT Bombay \| Topic: Liquidity Risk \| 2 years ago
	Correct, one uses stethescope for primitive measure and move ahead rather than sticking there. I agree that one cant reach in higher education before primary one. Thanks and regards, Sanjay

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Should short-selling be banned?

0 referals, 14 arguments, 263 views

	Argument added by Mathew Cherian, Research Associate/Analyst, Western Michigan University \| 2 years ago
	Baning short selling is a bad idea because the efficient trajectory of the market is maintained by this. Even if it is baned one can use indirect methods for short selling like 1) one can sell Call options 2) One can sell ones own stock at high points...

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Topics in Credit Risk Management

US ECONOMY - TURN AROUND IN 2009? Go to Topic

UK economy in dire straits

FORGET snow — every part of the Office for National Statistics report on the economy was bad news: household spending, business investment, services, finance, construction, even previously hopeful manufacturing figures — all revised downwards — plus declining house prices and anything else you can measure. The one shard of hope is that the lunatic tendency on the Bank of England’s monetary policy committee (Andrew Sentance) may be silenced on raising interest rates. Rising inflation is almost e

Is US Economy Turning Around?

Yes

New generation of Risk Management & Investments Go to Topic

Is it the time right to start investing in small and mid cap stocks?

Yes

How does investors’ risk appetite work in different conditions?

Top Rated Answer :

Dear Deepa, Investors risk appetite varies depending on the market sentiments. When the market is in a boom phase no matter what is the real value of the security, investor liquidates all his liquid as well as illiquid...

Subprime Crisis: The impact & Lessons Learnt for Indian Economy Go to Topic

Is India heading towards recession?

Yes

The subprime crisis and what it means for India

The subprime mortgage crisis and its potential impact on US economic growth has raised concerns whether growth in India — which averaged over 9% in the last three years — will be adversely affected. The Indian economy showed signs of overheating in mid-2007, with inflation rising above 6%. Although the central bank has pursued a tight monetary policy, inflation has recently risen above 7%. Buoyant capital flows posed challenges for liquidity and macroeconomic management, and the Reserve Bank of

Credit crisis impact on countries Go to Topic

Will the US crisis be Asia's gain?

Yes

If the American economy collapsed or went into rapid decline?what will be the scenario?


	6 We now need an investment mela now - inviting Janardhan Poojary!
	5 will not affect indians
	2 Economy will work

Life on Credit Go to Topic

LETS TOGETHER FIGHT AGAINST TERROR AND MARK A DIFFERENCE

LETS TOGETHER FIGHT AGAINST TERROR AND MARK A DIFFERENCE We - the citizens, must be aware of what is happening around us. It is ridiculous to swallow the entire episode of blood and terror, which happened right before our eyes and blame it on the governance to shirk off the responsibility from our shoulders. How do you feel when you watch any event like this on T.V.? If you think revolutionary, help us spread it, so that we can come up together and do something about it. Here we give you a chan

Cash or Credit Card

Cash

Credit Card

Global measures for credit crisis Go to Topic

Should RBI be persuaded to open financial markets for commodity financing methods like prepayment

Yes

A case for an SEZ of Reconditioned Machinery, Automobile, Household Goods

The financial turmoil has upset many businesses, making thousands of people jobless. It has bruised many economies so significantly, that the world is likely to take sometime to regain confidence, before it considers investing in those countries again. Several Financial Institutions have been jolted and are in serious need of repairs restructuring. Large Business Conglomerates across the globe are busy reassessing their plans, reorient to the emerging situation, renew emerging demand-supply sce

Govt measures for credit crisis Go to Topic

Has RBI done enough to tackle the crisis?


	2 Monetary policy stance needs more easing
	0 Petroleum prices
	0 RBI role

Will the govt's stimulus package work to boost the economy?

Yes

Managing liquidity crisis Go to Topic

What methods are firms using to access liquidity risk and its effect on risk management techniques?

Top Rated Answer :

Well, GAP analysis(using Time Bucket) is still the best way to see the structural liquidity needs and obligations coupled with short term liquidity measurement- focusing in rise/fall in liquidity flow within 90 days. If it is added with liquidity...

Should short-selling be banned?

Yes

Survive credit crisis Go to Topic

Survival Tactics

Stay Liquid: In down times cash is king. Review credit policies for customers and take credit from suppliers. Increase cash discounts for customers if required. Enhance customer relationships: One to one close relationship with customers is a must. Build relationship with all customers including small customers which you may not have got enough attention during economic boom. Listen to customers, know their situation and accept their demands and complaints wherever possible. Build up their

Braving the downturn : Are lessons from Gita the real stimulus ?

The global leaders of G20 gave a stimulus package of $1.1 trillion for the world. Can it solve the problem ? Stimulus package are the part or perception game that Government plays to raise the market sentiments . Government needs help , because there regulation where the part of the problem earlier. Now there perception block adds to it . A real help can be done by an entreprenuer because they where always the part of the solution. Rather then hitting a perception block , they always changes th

Credit crisis impact on industries Go to Topic

How Financial Crisis will Impact Healthcare?