Credit Risk Management in Banks-Project Report

The Impact of Size on Credit Risk Management Strategies in Commercial Banks-Project Report on Finance Topic

 

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In recent times, Credit Risk Management (CRM) has come under increasing scrutiny in both academia and practice. It is commonly believed that Credit Risk Management strategies followed vary with bank-specific characteristics. However, a study focusing on examining the association between size of the bank and CRM strategies in India does not seem to have been attempted so far. Drawing upon primary data of 35 Indian commercial banks during 2007-2008, this study aims to explore the extent to which bank size impacts on the choice of a broad set of Credit Risk Management strategies relating to four elements of CRM, namely, (1) CRM organization; (2) CRM policy; (3) Credit Risk Management operations and systems at transaction level; and (4) CRM operations and systems at portfolio level. For this purpose, sample banks were classified on the basis of their value of advances portfolio into three size categories, namely, small, medium and large banks. The findings obtained using discriminate analysis together with chi-square test suggested significant association between the size of bank and some of the CRM strategies, particularly with regard to CRM organization and CRM operations and systems at transaction level. It was concluded that large-sized banks generally emphasized the elements of specialization and centralization in the choice of their Credit Risk Management strategies. The findings also indicated that a mix of the credit risk avoidance, credit risk mitigation and credit risk control approach was commonly followed by all the sample banks, irrespective of their size.

You can buy the Project Report on Credit Risk Management in Commercial Banks in India from Mahasagar Publications.

Get Dissertation Writing Tips or buy for reference purpose The Project Report on Credit Risk Management which  confirm that such political pluralism reduces the power of either government to constrain business decision making but that pluralism might at times lead to unhealthy competition between parties, harming local expansion opportunities. The data show that, in India, banks selectively exploit political pluralism to guide their expansion decisions.

Contact +91 9819650213 or mail projectspapersindia@gmail.com.  Mahasagar Publications who provide Project Report on Credit Risk Management in Banks in India is located at Mumbai, India.