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COVER
STORY
Risk
Measurement and Management in Banks
Katuri Nageswara Rao
Banks
essentially encounter three major risks, namely credit risk,
operational risk and market risk. For prudent management with
high degree of transparency, banks need to put in place a
scientific system of measuring and managing risk. Better risk
management has resulted in the resilience of the global financial
system in recent years.
Š
2006 IUP . All Rights Reserved
MERGERS
AND ACQUISITIONS
Crossborder
Mergers in Europe : Poised for Growth?
Jayshree Bose
The
fragmented nature of the banking sector in Europe, some pathbreaking
trends set in recent deals clinched there, impending regulatory
reforms and near saturation in the US bank mergers are all
pointers to a heady growth in crossborder mergers in Europe.
Will that happen?
Š
2006 IUP . All Rights Reserved
REGULATION
Monetary
and Credit Policy for 200607 : Walking the Tightrope between
Averting an Asset Bubble and Sustaining Growth
Manoranjan Sharma
Credit growth has reached a level of 30% in the last two
years. There are serious concerns for higher CD ratio. Major
problems are credit quality, financial market conditions etc.
The monetary policy for 200607 has tried to address concerns
such as inflation management, slowpaced growth and level
of currency supply.
Š2006 IUP . All Rights Reserved
RURAL
LENDING
Banking
Reforms and Agricultural Credit
Saroj Upadhyay
Since
the banking reforms, banks credit to various sectors has
gone up, but the credit to agriculture sector has declined
from 37% in 199798 to 35% in 200304. While in the recent
past, the Central Government and RBI has tried to push the
agriculture credit as banks are not even able to meet the
18% target suggested by the advisory committee. Therefore,
major thrust is needed from commercial banks and RRBs to increase
the rural credit.
Š
2006 IUP . All Rights Reserved
RISK
MANAGEMENT
BaselII:
A Need for Existence
Anju Das
Changing
business environment has forced the banking industry to put
in place a new regulation which makes the banks stable and
strong. BaselII seems to fulfill all the requirements of
the present scenario.
Š
2006 IUP . All Rights Reserved
RISK
MANAGEMENT
Risk
Management in Indian Banking Industry in 2015
CM Madtha, Durba Roy and Kasmera Dilip Shah
As
the deadline for implementing BaselII approaches, Indian
banks are still preparing to solve the risk puzzle for a more
transparent and riskfree financial base. This article looks
at the risk measurement and management scenario in 2015, especially
in retail lending which would be an area of concern in 2015
and suggests risk measurement tools to address the problem
of low quality and high risk loans.
Š
2006 IUP . All Rights Reserved
RISK
MANAGEMENT
Operational
Risks Management in Indian Banks
PR Kulkarni and KM Bhattacharya
Operational risks in banks have been increasing in the
past few decades due to globalization, increasing deregulation,
etc. These changes have been making the activities of banks
more diverse and complex, and compelling them to set up and
have a proper structure to manage operational risk.
Š
2006 IUP . All Rights Reserved
PRODUCT
Retail
Banking in India
Neetu Prakash
The
growth of retail banking is an important milestone in Indian
Banking Sector Developments. However, the retail banking in
India is very small by world standards. The retail loan constitutes
less than 67% of the GDP visāvis 18% to 60% for Asian Economies,
and the housing loans are just 2.5% of the GDP visāvis 25%
to 60% in other nations. This reveals that retail banking
in India has not reached its full potential.
Š
2006 IUP . All Rights Reserved
FOCUS
BaselII:
Will it Take Off in the US?
Yash Paul Pahuja
There
is no doubt that BaselII has enlightened bankers, s
and risk management pundits in terms of measurement and management
of risk. But still there are some difficulties in the context
of its implementations. BaselII is so versatile that all
the countries could make their own version of the Accord.
This is true because without its flexibility, most of the
countries wouldnt have endorsed it. While BaselII is going
to be effective from January 1, 2007 in many countries like
the EU countries, the US has postponed its date of implementation
to 2008.
Š 2006 IUP . All Rights Reserved
BOOK
REVIEW
CrossBorder
Debt Restructurings :Innovative Approaches for Creditors,
Corporates and Sovereigns
Esteban C Buljevich
This book is a comprehensive and authoritative treatise
on crossborder, outofcourt, debt restructuring commonly
known as workouts. It begins with the basics and takes the
reader to a sophisticated level of understanding the subject
of international workouts as it enters the case studies stage.
The treatment of the subject matter is quite lucid and the
presentation style is excellent and elegant. The book enters
the market at a time when the crossborder debt restructuring
cases are on the rise calling for expert knowledge in dealing
with the intricacies and nuances of workouts, a field which
is multidisciplinary in nature.
Š
2005 Euromoney Institutional Investor Plc. All Rights Reserved.
IUP holds the copyright for the Book
Review. |
