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1、“RISKMANAGEMENTINCOMMERCIALBANKS”(ACASESTUDYOFPUBLICANDPRIVATESECTORBANKS)-ABSTRACTONLY1.PREAMBLE:1.1RiskManagement:Thefutureofbankingwillundoubtedlyrestonriskmanagementdynamics.Onlythosebanksthathaveefficientriskmanagementsystemwillsurviveinthemarketinthelongrun.Theeffectivemanagementofcredi
2、triskisacriticalcomponentofcomprehensiveriskmanagementessentialforlong-termsuccessofabankinginstitution.Creditriskistheoldestandbiggestriskthatbank,byvirtueofitsverynatureofbusiness,inherits.Thishashowever,acquiredagreatersignificanceintherecentpastforvariousreasons.Foremostamongthemisthewind
3、ofeconomicliberalizationthatisblowingacrosstheglobe.Indiaisnoexceptiontothisswingtowardsmarketdriveneconomy.Competitionfromwithinandoutsidethecountryhasintensified.Thishasresultedinmultiplicityofrisksbothinnumberandvolumeresultinginvolatilemarkets.Aprecursortosuccessfulmanagementofcreditriski
4、saclearunderstandingaboutrisksinvolvedinlending,quantificationsofriskswithineachitemoftheportfolioandreachingaconclusionastothelikelycompositecreditriskprofileofabank.Thecornerstoneofcreditriskmanagementistheestablishmentofaframeworkthatdefinescorporatepriorities,loanapprovalprocess,creditris
5、kratingsystem,risk-adjustedpricingsystem,loan-reviewmechanismandcomprehensivereportingsystem.1.2Significanceofthestudy:Thefundamentalbusinessoflendinghasbroughttroubletoindividualbanksandentirebankingsystem.Itis,therefore,imperativethatthebanksareadequatesystemsforcreditassessmentofindividual
6、projectsandevaluatingriskassociatedtherewithaswellastheindustryasawhole.Generally,BanksinIndiaevaluateaproposalthroughthetraditionaltoolsofprojectfinancing,computingmaximumpermissiblelimits,assessingmanagementcapabilitiesandprescribingaceilingforanindustryexposure.Asbanksmoveintoanewhighpower
7、edworldoffinancialoperationsandtrading,withnewrisks,theneedisfeltformoresophisticatedandversatileinstrumentsforriskassessment,monitoringandcontrollingriskexposures.Itis,therefore,timethatbanksmanagementsequipthemselvesfullytograpplewiththedem
