Preview

Credit Risk Management

Powerful Essays
Open Document
Open Document
9145 Words
Grammar
Grammar
Plagiarism
Plagiarism
Writing
Writing
Score
Score
Credit Risk Management
School of Technology and Society

MASTER DEGREE PROJECT

Title: BANK PERFORMANCE AND CREDIT RISK MANAGEMENT

Master Degree Project in Finance Level ECTS: 15 Spring term Year: 2008 Takang Felix Achou Ntui Claudine Tenguh Supervisor: YingHong Chen (PhD) Examiner: Bernd-Joachim Schuller (PhD)

ACKNOWLEDGEMENT

We would like to express our immense thankfulness to all those who gave us the possibility to complete this thesis. We would like to thank the library staff of the University of Skovde for their relentless effort in making access to research data and literature possible. We are bound to all our lecturers for their motivating effort in transferring knowledge. Also, our most profound gratitude goes to our parents, husband, siblings, friends and relatives for their unconditional love and steadfast support always.

Especially, we are deeply indebted to our supervisor Dr.Yinghong Chen, whose support, interest, encouragement and stimulating suggestions helped us during the research and writing process of this thesis.

Above all, we thank you Almighty God for all your mercies.

2

ABSTRACT

Banking is topic, practice, business or profession almost as old as the very existence of man, but literarily it can be rooted deep back the days of the Renaissance (by the Florentine Bankers). It has sprouted from the very primitive Stone-age banking, through the Victorian-age to the technology-driven Google-age banking, encompassing automatic teller machines (ATMs), credit and debit cards, correspondent and internet banking. Credit risk has always been a vicinity of concern not only to bankers but to all in the business world because the risks of a trading partner not fulfilling his obligations in full on due date can seriously jeopardize the affaires of the other partner. The axle of this study is to have a clearer picture of how banks manage their credit risk. In this light, the study in its first section gives a background to the study and the second part



References: 11 The Bank for International Settlements (or BIS) is an international organization of central banks which exists to "foster cooperation among central banks and other agencies in pursuit of monetary and financial stability" (Wikipedia online, 2008)

You May Also Find These Documents Helpful

  • Satisfactory Essays

    A3595 Term Project W15

    • 384 Words
    • 2 Pages

    Palepu, K., S. Srinivasan, and A. Sesia Jr. New Century Financial Corporation, published on October 14, 2009. Product Number: 9-109-034 (28 pages).…

    • 384 Words
    • 2 Pages
    Satisfactory Essays
  • Good Essays

    The Bank for International Settlements (Bank for International Settlements, BIS) is the oldest international financial institution in the world, having been in operation since 1930.…

    • 5855 Words
    • 24 Pages
    Good Essays
  • Powerful Essays

    2011 International Conference on Financial Management and Economics IPEDR vol.11 (2011) © (2011) IACSIT Press, Singapore…

    • 3095 Words
    • 13 Pages
    Powerful Essays
  • Powerful Essays

    Costing in Banking Service

    • 10495 Words
    • 42 Pages

    Journal of Money, Investment and Banking ISSN 1450-288X Issue 6 (2008) © EuroJournals Publishing, Inc. 2008 http://www.eurojournals.com/finance.htm…

    • 10495 Words
    • 42 Pages
    Powerful Essays
  • Powerful Essays

    Financial Risk Management

    • 8063 Words
    • 33 Pages

    Average derivative volume was 0.31; average bank profitability was 0.34; average interest rate risk exposure was 0.14 average leverage was 0.43; average investment growth of the sampled commercial banks was 0.38 and the average bank size was approximately UGX. 245Billion. The higher the…

    • 8063 Words
    • 33 Pages
    Powerful Essays
  • Powerful Essays

    All borrower relationships/loan facilities are reviewed and approved through the submission of a Credit Application at least annually. Refer to the Credit Application format attached at Appendix 1.2.1.…

    • 1613 Words
    • 8 Pages
    Powerful Essays
  • Satisfactory Essays

    Credit Risk Management

    • 289 Words
    • 2 Pages

    Case study: Why was Vietnam bank for industry and trade fail in bad debt ?…

    • 289 Words
    • 2 Pages
    Satisfactory Essays
  • Powerful Essays

    Budget Constraint

    • 9477 Words
    • 38 Pages

    The researchers would like to express their warmest appreciation to the following that, in one way or another, have helped to finish this research paper.…

    • 9477 Words
    • 38 Pages
    Powerful Essays
  • Powerful Essays

    Associate Professor of Finance at UTI Institute of Capital Markets Address: UTI Institute of Capital Markets Sector- 17, Plot – 82 Vashi, Navi Mumbai – 400 705 Tel: 022 – 2789 2815 / 16 Fax: 022 – 2789 2824 E mail: bigyanverma@hotmail.com…

    • 5820 Words
    • 24 Pages
    Powerful Essays
  • Powerful Essays

    My sincere gratitude also goes to all my teachers who have given me excellent lectures and great help, which are indispensable to the completion of this thesis. I also give my hearty thanks to all my classmates who have offered generous help and useful suggestions in the process of writing this thesis.…

    • 3754 Words
    • 16 Pages
    Powerful Essays
  • Powerful Essays

    Intro to Financial Economics

    • 6459 Words
    • 26 Pages

    BMA Ch t 2 ( ti 2.1), Chapter 4 (section 4.1), Chapter 7 (section 7.1)…

    • 6459 Words
    • 26 Pages
    Powerful Essays
  • Powerful Essays

    Credit Management

    • 10600 Words
    • 43 Pages

    The report and analysis details which are being presented here are a tiresome and fruitiest effort of many unseen hands that were continuously being a helping hand in all kind of conditions.…

    • 10600 Words
    • 43 Pages
    Powerful Essays
  • Powerful Essays

    credit risk management

    • 8559 Words
    • 35 Pages

    Risk management underscores the fact that the survival of an organization depends heavily on its capabilities to anticipate and prepare for the change rather than just waiting for the change and react to it. The objective of risk management is not to prohibit or prevent risk taking activity, but to ensure that the risks are consciously taken with full knowledge, purpose and clear understanding so that it can be measured and mitigated. It also prevents an institution from suffering unacceptable loss causing an institution to suffer or materially damage its competitive position. Functions of risk management should actually be bank specific dictated by the size and quality of balance sheet, complexity of functions, technical/ professional manpower and the status of MIS in place in that bank.…

    • 8559 Words
    • 35 Pages
    Powerful Essays
  • Good Essays

    Banking plays an important role in the lives of individuals as well as nations. As a matter of fact, you couldn’t just imagine how our economic system in particular could function efficiently and effectively without the services rendered by banks. As the center of the financial sector, the banking industry in most emerging economies is passing through a process of change. With the passing of years, our banking system underwent rapid development which includes how they handle different risks to survive in their industry. As the financial activity has become a major economic activity in most economies, any interference or imbalance in banking system’s infrastructure will have significant impact on the entire economy. So to avoid any disruption on this, different banks used their own risk handling methods otherwise called a risk management as their key solution on this.…

    • 8543 Words
    • 35 Pages
    Good Essays
  • Powerful Essays

    International Research Journal of Finance and Economics ISSN 1450-2887 Issue 41 (2010) © EuroJournals Publishing, Inc. 2010 http://www.eurojournals.com/finance.htm…

    • 4156 Words
    • 17 Pages
    Powerful Essays