“CREDIT APPRAISAL PROCESS ON WORKING CAPITAL FINANCE IN HDFC BANK (MSME)” A summer internship project submitted in partial fulfilment of the requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION By BIPIN CHANDU M Register No 1220310 Under the guidance of PROF. KRISHNA M C Institute of Management Christ University, Bangalore MBA 2012-2014 DECLARATION I, , do hereby declare that the summer internship project entitled Credit Appraisal Process on Working Capital Finance
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Dangerous derivatives at the heart of the financial crisis Financiers have engineered a “shadow banking system” that has subverted regulation and dumped risk. Complex derivative trades have fuelled a decade or more of cheap credit and destabilised the financial system. The financial and human costs are now being revealed as the massive borrowing spree unwinds, leaving the public purse to pay for failed corporate structures and the threat of a major economic recession. Fund managers, insurers and
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Part 3 Fundamentals of Financial Institutions Chapter 7 Why Do Financial Institutions Exist? Chapter Preview A vibrant economy requires a financial system that moves funds from savers to borrowers. But how does it ensure that your hard-earned dollars are used by those with the best productive investment opportunities? Copyright ©2015 Pearson Education, Inc. All rights reserved. 7-3 Chapter Preview In this chapter, we take a closer look at why financial institutions exist and how they promote
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minimizing credit risk. Banks that operate internationally are required to maintain a minimum amount (8%) of capital based on a percent of risk-weighted assets. Basel II is the second of the Basel Accords, (now extended and partially superseded[clarification needed] by Basel III), which are recommendations on banking laws and regulations issued by the Basel Committee on Banking Supervision. BREAKING DOWN 'Basel I' The first accord was the Basel I. It was issued in 1988 and focused mainly on credit risk
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of taking illiquid assets and pooling various types of contractual debts like residential mortgage, commercial mortgages, auto loans, credit card debt obligations and selling them as securities to third party investors which may be described as bonds, pass-through securities, or collateralized debt obligations (CDOs). Securitization helps in diversifying the credit market as the process of lending and borrowing is broken into several discrete leading to economies of scale. Consider the case of
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Credit crunch and SME financing ----Take China as an example * * Shu Ruochen Noah 4063148 * Yuan Ziting Circle 40631 * Chou Xue Snow 40631 * * ABSTRACT ------------------------------------------------- SME are always important forces of social and economic development,and they play important roles in optimizing the economic structure, promoting innovation,easing social pressures and maintaining social stability.However, the world crisis was
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investments that fed on AIG’s AAA rating. AIGFP had made more than $60 million in the first six months. Sosin left in 1993 and was replaced as CEO by Tom Savage. In 1998, AIGFP had revenue of $500 million and had yet to divulge in credit-default swaps. However, later that year, with the backing of Joe Cassano, who was at the time COO, Savage signed off on the backing of JP Morgan’s complex debt. This is where credit-default swaps were first acted on. These credit-default swaps were a series of
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CHAPTER I: INTRODUCTION 1. THEME OF THE STUDY 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.
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CHAPTER I: INTRODUCTION 1. THEME OF THE STUDY 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.
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History of Banking Supervision in Albania (Banking System in Albania and Supervisory Process. 7 IV. Three Pillars of Basel II and the implications related to the implementation in Albania: 10 1.Pillar 1 – Capital Defined 11 1.1 Pillar 1 – Credit Risk 11 1.2 Pillar 1 – Market Risk 15 1.3 Pillar 1 – Operational Risk 16 2. Pillar 2 – The Supervisory Review Process 16 3. Pillar 3 – Market Disclosure 18 V. Reference List 21 Abstract: Basel II Capital
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