Risk management in the banking industry

Type :

Term papers

Pages :

23 pages

Format :

.doc

Published date :

04/15/2009

Category :

Economics & finance

Sub category :

Finance

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Summary :

Introduction
An overview of the banking sector
1. Risk factors
What is a home loan?
1. Salient features of home loans
What are the types of home loans available?
What is an EMI?
Risks involved in banking
1. Types of risks
An introduction to risk management
Steps in risk management process
Objectives of risks management
Risk management in Indian banking
An introduction to Basel II
1. Basel II norms stand on three pillars
2. Issues and challenges of Basel II
Risk management and business continuity
Conclusion

Abstract

'Safe, Secure & Sure' are the three fundamentals of life that are always sought after but seldom achieved. Human who is the only being blessed to analyze & anticipate the future has always been a spectator when it comes to being a perfectionist. As the future has disclosed the unpredictable & unpleasant situations circumstances, human being in spite of his knowledge, skill, technology & ability to sustain has till date remained a subject prone to risk & danger of meeting the unpleasant tune of distress, loss & misinterpreted calculations. Money which has always shared the priority since the time of emergence of this materialistic world has made man & his well being a subject of outmost concentration, consideration & concern to keep a suitable & stable check of all the activities & attributes marking it. This is the only universal truth & fact that relates to common man as well as to a business tycoon in terms of its priority thrust area. The concept of seeking a satisfaction in terms of security & opportunity to earn on a better preposition minimizing the risk to the best possible extent has what contributed to the emergence of the most driving & deterministic variable of the economy of an individual alone & also the net worth of the country's financial strength i.e. the banking sector. The only assure way of making investments & exploiting limited resources to safeguard against mismatch of reality to a fantasized proposal is what guarantees a contract being entered with a bank.

Banks has always remained a backbone to facilitate & implement economic reforms & provide a medium for a common man to make his dreams of earning a respectable & deserving livelihood. Therefore, a well planned, developed, analyzed, implemented & monitored in terms of policies & procedures comprising a well directed approach is required to minimize & check the risk associated with it in terms of efficiency, profitability & above all susceptibility to future trends & requirements.