| Topic : Credit risk management in banks |
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Activity:
Question posted: 04 23 2008 02:44:12 +0000,
2 answers, 480 views, last activity
07 06 2010 20:18:08 +0000
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Top Answer :
Rating : +2
This is depend on policy deside by bank.As general credit risk in nothing but the loan policy which covered in detail as
LOAN SANCTION POLICY, LOAN DISBURMENT POLICY, LOAN RECOVRY POLICY.
LAST BUT NOT LEAST IS MARKET POLICY. CAZ ON MARKRT IT DEPENDS ALL MONITORING POLCY.THATS WHY RBI INTRODUCE CRAR SYSTEM IN BANKING. IT IS A VAST DATA TO GET IN. BUT I ALWAYS SAY THAT CREDIT RISK IS PART OF MARKET RISK. IT INCLUDES A GAP ANALYSIS WHICH SHOWS +'VE OR -'VE TRND IN MARKET TO MONITAR CREIDT RISK IN BANK
by
PARAG PRADEP PATHAK, Operations Manager, ICICI Bank
| 05 17 2009 08:51:57 +0000
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Answer modified by
Deepak Somani, Associate, HDFC Bank
| 04 23 2008 02:45:07 +0000
Not Rated
The issues related to Credit Risk are addressed in the Policies stated below;
Loan Policy.
Credit Monitoring Policy.
Real Estate Policy.
Credit Risk Management Policy.
Collateral Risk Management Policy.
Recovery Policy.
Treasury Policy.
Bank carried out a comprehensive Self-Assessment exercise spanning all the risk areas and evolved a road map to move towards implementation of Basel II as per RBI’s directions. The program in implementation of Risk Management, Organizational Structure, Risk measures, risk data compilation and reporting etc. is as per this laid down road map.
The Polices framed and procedures / practices adopted are benchmarked to the best in the industry on a continuous basis and the Bank has a clear intent to reach an advanced level of sophistication in management of risks in the coming year.
The ever-improving risk management practices in the Bank will result in Bank emerging stronger, which in turn would confer competitive advantage in the Market.
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