Risk and risk management 1. Credit Risk – The risk of loss of principal or loss of a financial reward stemming from a borrower's failure to repay a loan or otherwise meet a contractual obligation. Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Investors are compensated for assuming credit risk by way of interest payments from the borrower or issuer of a debt obligation. The higher the perceived credit risk, the higher the rate of interest
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Corporate Debt Restructuring in India Despite of best intentions and efforts, corporate find themselves in financial difficulty because of factors beyond their control or due to internal reasons. The trigger for difficulty might be an unstable macro-economic environment or changes in government policy or regulation or due to an incorrect strategic decision or problems within the company. If a company goes down, it takes an entire ecosystem of creditors, distributors, employees, customers, etc down
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taking exposure. Limit on exposure against unsecured financing facilities. Linkage between financial indicators of the borrower and total exposure from financial institutions. Exposure against shares/TFCs and acquisition of shares. Guarantees. Classification and provisioning for assets. Assuming obligations on behalf of NBFCs. Facilities to private limited company. Payment of dividend. Monitoring. Margin requirements. CORPORATE GOVERNANCE (G) Regulation G-1 Corporate
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The main purpose of this study is to investigate and observe into the loan disbursement and recovery of Sonali Bank Limited, Sopura Branch, Rajshahi and to provide some suggestions to improve its performance. However, followings are some of the specific objectives of the study: ❖ To know general banking activities performed by the bank. ❖ To find out the comparative position of the bank. ❖ To identify various loans, advances and credit provided by the bank. ❖ To know the amount of
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Credit Risk Management of Prime Bank Limited University of Liberal Arts Bangladesh Internship Report Credit Risk Management of Prime Bank Limited Submitted to Sumaiya Zaman Senior Lecturer ULAB School of Business Submitted by Sadia Ferdous ID # 092011014 Date of submission 21 August 2013 Acknowledgements I would like to thank my supervisor, Sumaiya Zaman, Senior Lecturer, ULAB, for her guidance and feedback during this internship, without which I would have been unable
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Group 11 Final Report Modeling Credit Risks with Enterprise Miner™ Tanu Aggarwal Meryl Lo Zhouzghzu “Jack” Liang Sallie Smith April 15, 2016 0 MIS6324.503/BUAN 6324.503 Table Of Contents Executive Summary ............................................................................................................... 2 1. Project Motivation........................................................................................................... 3 2. Data Description ..
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[pic] http://mbanetbook.blogspot.com/ Project on Non Performing Assets in Banks CONTENTS |Chapter no. | Title |Page no. | | |Executive Summary |2 | |1 |General Introduction | | |
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properties are available immediately. Get into a rent to own home in just a few days with flexible owner terms or set a date further out. Compare that to buying an owner occupied home through an agent. How frustrating! First you have to qualify for a loan which could take 3 to 8 weeks (Rent to own homes however require no upfront bank financing). Then you have to coordinate your move subject to the schedule of the seller. Look out if the seller wants everything contingent on them getting into their
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Rate (BR): 10.25% w.e.f: 25 February 2013 | Notice to the Borrower: Base Rate linked pricing system of loans and advances has been started since 01.07.2010. Base Rate is the minimum rate below which Banks are not permitted to lend barring certain exceptions. In respect of existing loans, borrowers have an option to either continue with the existing system of BPLR till the maturity of their loans or switch over to the new system of Base Rate. No fee will be charged from the borrower for such switch
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Malegam Committee Report Malegam Committee was setup in November, 2010 after the crisis in Andhra Pradesh which recorded an increase in suicides committed due to failure of loan repayment. The committee was formed as the debts of MFIs were increasing year on and around $4 billion were borrowed by the MFIs from banks which could affect the countries growth at some point of time and also due to improper means of recovery method used by the MFIs. One of the main reasons for failure of MFIs was
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