Quesstioniares
Vali
VALIDATION OF CREDIT RISK RATING MODEL – THE BOBRAM MODEL
A report submitted in partial fulfillment of the requirements of MBA Program at Birla Institute of Management Technology, Greater Noida. Submitted to: Ms. Devina Nair, Company Guide, Bank of Baroda, Kolkata Prof. Ravi Agarwal, Faculty Guide, BIMTECH, Gr. Noida
By: Shruti Naz
The project attempts to study the rating methodology adopted by Bank of Baroda and the various parameters taken into account while conducting a rating. An attempt has also been made to establish a hierarchy of factors which influence ratings using AHP.
2
Summer Project Certificate
This is to certify that Ms. Shruti Naz, Roll No. 111 a student of PGDM has worked on a summer project titled VALIDATION OF CREDIT RISK RATING MODEL – THE BOBRAM MODEL at Bank of Baroda, Kolkata after Trimester-III in partial fulfillment of the requirement for the Post Graduate Diploma in
Management Programme. This is her original work to the best of my knowledge.
Date:___________
Signature ________________ (_________________________)
Validation of Credit Risk Rating Model – The BOBRAM Model
3
ACKNOWLEDGEMENT
In my endeavor to learn the basics of Risk Management, I would like to thank Bank of Baroda for providing me an opportunity to work with their India Exchange Branch, Kolkata. It would have been a difficult task to give shape to this project without the guidance, and encouragement of certain very important people. I hereby take this opportunity to thank my project guide, Ms Devina Nair , Credit Officer , Bank of Baroda, India Exchange Branch, who has always been there to provide me with necessary inputs and keeping me motivated during the project. This project was possible purely because of her kind co operation.
Further, I am extremely grateful to my Faculty Guide, Prof. Ravi Agarwal who has taken great pains to assist me in my project by guiding me throughout from the time of deciding the project title till the
VALIDATION OF CREDIT RISK RATING MODEL – THE BOBRAM MODEL
A report submitted in partial fulfillment of the requirements of MBA Program at Birla Institute of Management Technology, Greater Noida. Submitted to: Ms. Devina Nair, Company Guide, Bank of Baroda, Kolkata Prof. Ravi Agarwal, Faculty Guide, BIMTECH, Gr. Noida
By: Shruti Naz
The project attempts to study the rating methodology adopted by Bank of Baroda and the various parameters taken into account while conducting a rating. An attempt has also been made to establish a hierarchy of factors which influence ratings using AHP.
2
Summer Project Certificate
This is to certify that Ms. Shruti Naz, Roll No. 111 a student of PGDM has worked on a summer project titled VALIDATION OF CREDIT RISK RATING MODEL – THE BOBRAM MODEL at Bank of Baroda, Kolkata after Trimester-III in partial fulfillment of the requirement for the Post Graduate Diploma in
Management Programme. This is her original work to the best of my knowledge.
Date:___________
Signature ________________ (_________________________)
Validation of Credit Risk Rating Model – The BOBRAM Model
3
ACKNOWLEDGEMENT
In my endeavor to learn the basics of Risk Management, I would like to thank Bank of Baroda for providing me an opportunity to work with their India Exchange Branch, Kolkata. It would have been a difficult task to give shape to this project without the guidance, and encouragement of certain very important people. I hereby take this opportunity to thank my project guide, Ms Devina Nair , Credit Officer , Bank of Baroda, India Exchange Branch, who has always been there to provide me with necessary inputs and keeping me motivated during the project. This project was possible purely because of her kind co operation.
Further, I am extremely grateful to my Faculty Guide, Prof. Ravi Agarwal who has taken great pains to assist me in my project by guiding me throughout from the time of deciding the project title till the