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1、“RISKMANAGEMENTINCOMMERCIALBANKS”(ACASESTUDYOFPUBLICANDPRIVATESECTORBANKS)-ABSTRACTONLY1.PREAMBLE:1.1RiskManagement:Thefutureofbankingwillundoubtedlyrestonriskmanagementdynamics.Onlythosebanksthathaveefficientriskmanagementsystemwillsurviveinthemarketinthelong
2、run.Theeffectivemanagementofcreditriskisacriticalcomponentofcomprehensiveriskmanagementessentialforlong-termsuccessofabankinginstitution.Creditriskistheoldestandbiggestriskthatbank,byvirtueofitsverynatureofbusiness,inherits.Thishashowever,acquiredagreatersigni
3、ficanceintherecentpastforvariousreasons.Foremostamongthemisthewindofeconomicliberalizationthatisblowingacrosstheglobe.Indiaisnoexceptiontothisswingtowardsmarketdriveneconomy.Competitionfromwithinandoutsidethecountryhasintensified.Thishasresultedinmultiplicityo
4、frisksbothinnumberandvolumeresultinginvolatilemarkets.Aprecursortosuccessfulmanagementofcreditriskisaclearunderstandingaboutrisksinvolvedinlending,quantificationsofriskswithineachitemoftheportfolioandreachingaconclusionastothelikelycompositecreditriskprofileof
5、abank.Thecornerstoneofcreditriskmanagementistheestablishmentofaframeworkthatdefinescorporatepriorities,loanapprovalprocess,creditriskratingsystem,risk-adjustedpricingsystem,loan-reviewmechanismandcomprehensivereportingsystem.1.2Significanceofthestudy:Thefundam
6、entalbusinessoflendinghasbroughttroubletoindividualbanksandentirebankingsystem.Itis,therefore,imperativethatthebanksareadequatesystemsforcreditassessmentofindividualprojectsandevaluatingriskassociatedtherewithaswellastheindustryasawhole.Generally,BanksinIndiae
7、valuateaproposalthroughthetraditionaltoolsofprojectfinancing,computingmaximumpermissiblelimits,assessingmanagementcapabilitiesandprescribingaceilingforanindustryexposure.Asbanksmoveintoanewhighpoweredworldoffinancialoperationsandtrading,withnewrisks,theneedisf
8、eltformoresophisticatedandversatileinstrumentsforriskassessment,monitoringandcontrollingriskexposures.Itis,therefore,timethatbanksmanagementsequipthemselvesfullytograpplewiththedem
