Credit Risk Management Practices from a Banker's Perspective
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Credit Risk Management Practices from a Banker's Perspective
- 1. An Overview of Credit Risk Management practices - A Banker’s perspective Sumant A. Palwankar Credit Risk Analyst 8 th October 2009.
- 3. Bank Goals and Constraints Maximise Shareholder Wealth Amount of Cash Flow Timing of Cash Flow Risk of Cash Flow Constraints
- 8. Kindly note that these are conceptually arrived numbers. Risk Grid-Institutional Players 20% 40% 40% Investment Banks 25% 60% 50% 25% Operational Risk 40% -do- 12% 30% ALM Risk 38% 10% Market Risk Depends on positions –proprietary trading Securities Broking 35% 35% Credit Risk Insurance Asset Management Banks Risk Category
- 9. THE BASEL-II CAPITAL ACCORD Minimum Capital Requirements Supervisory Review Market Discipline Three Basic Pillars
- 11. Credit Risk “ There is one big difference between selling a credit product and selling soap. The sale of money is not final, you expect it back with interest.”
- 16. Important factors for Credit approval.
- 28. But after all this, Institutions with best risk management systems failed…………….!!! What went wrong and learnings from these ???
- 32. Thanks for your attention . . .