The present study has focused on following aspects. First, an attempt has been made to examine the importance given to various types of risks being faced by Indian banks. Second, to study the risk management framework among banks, the study examines the size and ownership effect on the Risk Management Practices in banks. Third, we enumerate the growth and performance of banking sector in India since implementation of Basel I. Last issue undertaken in this study is to put forth the major challenges that are being faced by banks in India with the implementation of Basel II Accord and to suggest the procedures to face these challenges.
This is a first of its kind empirical study addressing the unmarked topic of risk management practices (RMPs) of IFIs and CFIs in Pakistan. The study aimed at expanding the existing literature by providing novel empirical evidence. Literature review classified risks faced by both IFIs and CFIs under six categories. The research concludes that credit risk, equity investment risk, market risk, liquidity risk, rate of return risk and operational risk management practices in IFIs are not different from the practices in CFIs and the overall risk management practices of IFIs and CFIs are alike in Pakistan. The study also concludes that a research based in one country cannot be generalized to another country therefore every country must conduct research in its own context. This opens our eyes to the fact that much is unknown about the risk management practices in Pakistani financial system, creating a need for empirical studies for further discoveries to formulate better frameworks and to prevent an impending financial crisis that might be unraveling as you read this book. “The revolutionary idea that defines the boundary between modern times and the past is the mastery of risk…”
Human Resource Management holds a key position in any scheme of economic development in any country because the developmental process is the sum total of our productive efforts, guided, managed and executed through our human resource. It is an approach; a point of view a new technique of thinking and a philosophy of management which is concerned not only with managing people but also with solving the human problems of an organization intelligently and equitably and in a manner which ensure that employees potential is properly developed, that maximum satisfaction is desired by them from their work, that the objective of the organization are achieved. In this research work an effort has been made to study Human Resource Management practices in selected Public Sector Banks of Udaipur District in India. The Study is divided in to seven chapters in which main focus is on Human Resource Management practices in public sector banks, It also includes the study of manpower planning recruitment and selection in public sectors banks. The authors feel that the research work would be helpful for academicians, Policy makers and research scholars.
The management of NPAs is one of the main business objectives of banks which require appropriate appraisal, monitoring and management of issued loans. The increased level of NPAs in banks and other financial institutions has been a high matter of concern . The present study attempts to discuss the banking sector reforms in India, explains the conceptual and regulatory framework governing NPAs including the changes in provisions and policies on NPAs and analyzes the trends of NPAs among different bank groups. On the basis of the study it has been found that the NPAs have reduced drastically. Although, the FBs are at the top in terms of assets quality, yet their assets quality is declining while the assets quality of PSBs and PBs has been improving. It is further suggested that the reform measures such as creation of proper data base, recovery of dues through compromise settlements, approaching DRTs and Lok Adalats, asset liability management etc can be of great help to the bankers in managing their NPAs.
Co-operative banks are an integral part of the Indian financial system. They comprise urban co-operative banks and rural co-operative credit institutions. Co-operative banks in India are more than 100 years old. UCBs also referred to as primary co-operative banks, play an important role in meeting the growing credit needs of urban and semi-urban areas of the country. UCBs mobilize savings from the middle and lower income groups and purvey credit to small borrowers, including weaker sections of the society. Scheduled UCBs are under closer regulatory and supervisory framework of the RBI. Though much smaller as compared to scheduled commercial banks, co-operative banks constitute an important segment of the Indian banking system. They have traditionally played an important role in creating banking habits among the lower and middle-income groups in urban areas and also in strengthening the rural credit delivery system. This book – focusing on management of UCBs – in India, including recent reforms. Besides, it includes a case study of financial efficiency and the working of UCBs in the Indian state of Andhra Pradesh of Chittoor District.
The existence of sound market risk management practices is crucial to promote investors confidence required for capital market development. This study would therefore help in guiding management, especially in the financial sector, in determining the best risk management strategy to be adopted by their organizations. The study will also bring to the fore, certain risk management practices that when paired with existing global events, can be detrimental to the performance of the financial sector.Both private and corporate investors will benefit from understanding the current practices of risk management in Nigeria and how these fit with recommendations in literature.
In the wake of the great financial crisis of 2008 the entire industry's practices have come under scrutiny. Everyone from the government to regulators, banks and risk managers are rethinking the best way forward for the financial sector. The stakes are high. Should trends in the industry continue and financial innovations allow the damage of the next crisis to grow exponentially, the endgame could be the sort of mutually assured destruction that topples entire economies. Charting the way forward in financial services reform requires a fundamental reappraisal of how things are done in order to avert disaster in the near future.
The book explains how interest rate risk exposure affects the financial performance of commercial banks in Uganda. The banking sector in Uganda is extremely exposed to various risk exposures in terms of volatility from exchange rates, currency fluctuations, oil prices shocks and inflation which later affects the lending activities of the banks. The purpose of the study was to highlight the key measures, strategies and best practices of minimizing risk exposures in the banking sector by practicing best risk management approaches in line with the international best practices of managing interest rate risks. The study has created avenues for discussion to the extent that the commercial banks in Uganda has achieved good sound and strong measures of the Camel rating risks measures of financial performance and risk reduction strategies in order to curb future risk exposures in the sector. We explore to encourage readers to compare our approach to bring in more insights to the banking sector best practices of interest rate risk management and best ways to sustain bank performance in the fragile environments especially financial crisis in the global financial markets and fragile economies
Banking is the lifeline of an economy. The present and future of any country depends upon the success and development of banking. The objective can’t be achieved with the traditional banking as now is the age of technology. Indian banking industry, today, is in the midst of an IT revolution. The competition among the banks has led to the increasing total banking automation in the Indian banking industry.This book presents an overview of E-Banking in India through a comparative study of public sector banks,private sector banks and foreign banks. It analysis the progress of E-Banking in the country by emphasizing on four major components i.e. ATM, Credit cards, Mobile Banking and Internet Banking. These components of E-Banking are studied individually to know the customer satisfaction and the problems associated with each. Book also highlights the various E-banking services provided by these banks and also the prospects and problems associated with E-Banking. Risk management strategies used by these banks have also been studied.
The recent turmoil on financial markets has made evident the importance of efficient liquidity risk management for the stability of banks. The measurement and management of liquidity risk must take into account economic factors such as the impact area, the timeframe of the analysis, the origin and the economic scenario in which the risk becomes manifest. Basel III, among other things, has introduced harmonized international minimum requirements and has developed global liquidity standards and supervisory monitoring procedures. The short book analyses the economic impact of the new regulation on profitability, on assets composition and business mix, on liabilities structure and replacement effects on banking and financial products.a??
This book presents the results of the study on influence of Environmental Risk Management on the general performance of commercial banks in Uganda. Quantitative research approaches were adopted and a method of data collection, consisting of a survey questionnaire was used. The results from the research provide some evidence that commercial banks in Uganda incorporate environmental issues into lending decisions and are aware of environmental risks and opportunities. It further revealed that good Environmental Risk Management(ERM)contributes to better overall performance of banks and that consideration of environmental issues when making lending decisions is important to banks. The study recommended development and implementation of a comprehensive environmental risk management system and frameworks, adoption environmental management procedures, adoption of appropriate strategy and consideration of structured community participation in monitoring funded projects for enhancing ERM.
Corporate Governance is the relationship among various participants in determining the direction and performance of corporations. The book focused the prevailing status of banking governance in Nepal. The study has been especially focusing the Corporate Governance practices and its impact in the following ways: That what is the present scenario of Corporate Governance compliance position of Commercial Banks? Is there any empirical relationship between Ownership concentrations , Board Size , Board Composition, Role Duality , Board Compensation , CEO compensation , and role of Public Directors on Earning per Share , Return on Assets , Return on Equity , and Tobin’s Q ratio ?. The present study seeks to examine and analyze the Corporate Governance practices of the Commercial Banks and their impact on the financial performance. The study directly focused the bankers and common investors in Nepal regarding the governance practices to maintain good governance status of their entity. The study has been divided into nine sections
Risk Management, the process of measuring the risks, controlling them and implementing measures in order to achieve the desired risk profile, is fundamental to all aspects of a bank’s activities. Due to the liberalization of financial markets, advances in technology and the various risks brought by these developments, the way that banks practice Risk Management has substantially changed during the last years. The important role that an effective Risk Management plays in ensuring banks’ profitability and continuity is widely proven. This survey was conducted to provide a status position on the extent to which Risk Management is practiced by banks in North Cyprus. The survey revealed that risk management systems in TRNC banks are relatively underdeveloped and there is a low level of awareness in banks on the importance of employing an integrated Risk Management framework. There are various gaps that demonstrate the need for developing Risk Management in TRNC banking sector and employing innovative Risk Management tools to manage the risks, non-credit risks in particular.
Over the last decade, largely because of the profound events of 2007-2009, there has been an increasing consciousness in risk literature that a more holistic approach to managing risks would enrich the effectiveness of risk management practices across industries. Despite the heightened interest in enterprise risk management (ERM) by academics and practitioners, there is an absence of empirical evidence on the impact of various ERM practices on the three most commonly used financial performance ratios: return on total assets, net profit margin and return on equity. The absence of clear empirical evidence on the value of ERM and the effects of the level of ERM practices on financial performance continues to limit the growth of these programs. This book, therefore, provides a new metric of success for enterprise risk management, in assessing and managing uncertainties that various enterprises face as value is being generated. The analysis should help shed some light on whether the use of a fully functioning ERM helps big companies enhance their financial performance, and should be especially useful to the top executives in making decisions towards adopting ERM within their firms.
The turmoil caused by problems in the American mortgage market has served as an important reminder of the interdependency of global financial institutions. This book presents a survey of the fundamental issues surrounding risk management and shows how central banks and other public investors can create better risk management systems.