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Emerging Market Bank Lending And Credit Risk Control

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Emerging Market Bank Lending and Credit Risk Control

Emerging Market Bank Lending and Credit Risk Control Book
Author : Leonard Onyiriuba
Publisher : Academic Press
Release : 2015-08-03
ISBN : 0128034475
Language : En, Es, Fr & De

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Book Description :

Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. Emphasizes bank credit risk issues peculiar to emerging economies Explains how to attain asset and portfolio quality through efficient lending and credit risk management in high risk-prone emerging economies Presents a simple structure, devoid of complex models, for creating, assessing and managing credit and portfolio risks in emerging economies Provides credit risk impact mitigation strategies in line with the Basel Accords

Analyzing and Managing Risks in Bank Lending

Analyzing and Managing Risks in Bank Lending Book
Author : Anonim
Publisher : Unknown
Release : 2021-09-27
ISBN : 9781542901499
Language : En, Es, Fr & De

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Book Description :

Download Analyzing and Managing Risks in Bank Lending book written by , available in PDF, EPUB, and Kindle, or read full book online anywhere and anytime. Compatible with any devices.

Principles and Practice of Bank Lending

Principles and Practice of Bank Lending Book
Author : Leonard Onyiriuba
Publisher : Createspace Independent Publishing Platform
Release : 2018-05-13
ISBN : 9781975902247
Language : En, Es, Fr & De

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Book Description :

Lending and credit administration nowadays are increasingly becoming core functions in bank management. Equally, they now easily dominate regulatory and stakeholder interests in how banks are run to ensure that they remain liquid and strong going concerns at all times. Incidentally, the two banking activities are carried out within a common framework that defines a bank's risk assets portfolio strategies. The framework comprises the crux of the usually three-pronged lending function - depicted as the three pillars of credit risk management: credit analysis (pillar 1); credit policy and control - also referred to as credit administration or credit compliance (pillar 2); and loan workout, remedial and recovery (pillar 3). Credit analysis institutionalizes a process for assessing credit risk well while credit admin enforces credit control and compliance. Loan recovery follows failure of workout and remedial actions on delinquent loans. The approach to, and methodology for, dealing with issues implied in the pillars have witnessed dramatic changes over time. Yet, the goal of credit risk management remains immutable. Its spirit is geared to ensure that bank lending is efficient and that risk assets portfolio is of high quality. The facts that lending generates the largest earning, as well as riskiest, assets of a bank underscore the need to attain the goal. It is imperative, therefore, that students, practitioners and stakeholders - indeed, everyone having borrowing relationship with a bank - is availed a good textbook that elucidates the subject. This edition of "Principles and Practice of Bank Lending" - now jointly authored by Leonard Onyiriuba (sole author of the first edition) and Ochei Ikpefan - fulfills the foregoing need. It comprehensively covers curriculums on bank lending and credit administration - with tutorials on, and solutions to past questions of, the professional examinations of Chartered Institute of Bankers of Nigeria. It will keep the readers abreast of evolving issues, possibilities and risk management demands in bank lending and credit administration overall. The readers will especially find the book useful both as a course text - for students in institutions of higher learning - and as a practical handbook that serves reference needs. It will certainly be indispensable to its target audience and a really good read.

Risk Assessment and Financial Regulation in Emerging Markets Banking

Risk Assessment and Financial Regulation in Emerging Markets    Banking Book
Author : Alexander M. Karminsky
Publisher : Springer Nature
Release : 2021-09-27
ISBN : 3030697487
Language : En, Es, Fr & De

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Book Description :

Download Risk Assessment and Financial Regulation in Emerging Markets Banking book written by Alexander M. Karminsky, available in PDF, EPUB, and Kindle, or read full book online anywhere and anytime. Compatible with any devices.

Institutional Banking for Emerging Markets

Institutional Banking for Emerging Markets Book
Author : Wei-Xin Huang
Publisher : John Wiley & Sons
Release : 2007-04-04
ISBN : 9780470511091
Language : En, Es, Fr & De

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Book Description :

In today's competitive banking industry, institutional banking is attracting greater interest. Under the globalization umbrella, inter-bank business is undergoing dynamic change and is transcending the boundaries of traditional correspondent banking. In today's climate, no bank, regardless of size, can grow without the cooperation of other banks and no bank can hope to survive and prosper without utilizing emerging markets. Institutional banking in emerging countries has some unique functions: for example, problem solving is heavier and more crucial in emerging markets than in developed countries, given the irregularity of the market and non-transparency of the financial/legal systems. Moreover, it is particularly necessary to forge good relationships, day-to-day contact and personal communication, to provide better chances for product marketing and risk management. Products are therefore tailor-made and adapted as the situation dictates, a successful lesson for one case in one country cannot necessarily be repeated in another. Huang provides a systematic framework for the subject combining both principles and practice. The direct experience of the author, allows him to write authoritatively about the subject with academic vigour as well as a large amount of practical knowledge which only a practitioner can provide. The book contains numerous real life examples and case studies to allow the reader an insight into how Institutional Banking actually works in the real world. The book also contains a supplementary CD which includes chapter summary's and further information. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.

Bank Risk Management in Developing Economies

Bank Risk Management in Developing Economies Book
Author : Leonard Onyiriuba
Publisher : Academic Press
Release : 2016-10-04
ISBN : 0128093595
Language : En, Es, Fr & De

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Book Description :

Bank Risk Management in Developing Economies: Addressing the Unique Challenges of Domestic Banks provides an up-to-date resource on how domestically-based banks in emerging economies can provide financial services for all economic sectors while also contributing to national economic development policies. Because these types of bank are often exposed to risky sectors, they are usually set apart from foreign subsidiaries, and thus need risk models that foreign-based banks do not address. This book is the first to identify these needs, proposing solutions through the use of case studies and analyses that illustrate how developing economic banking crises are often rooted in managing composite risks. The book represents a departure from classical literature that focuses on assets, liabilities, and balance sheet management, by which developing economy banks, like their counterparts elsewhere, have not fared well. Contains fifty cases that reinforce risk management best practices Provides a consistent chapter format that includes abstract, keywords, learning focus, and outcomes Summaries, questions, and glossaries conclude each chapter

Bank Credit Policy Administration and Remedial Strategies

Bank Credit Policy  Administration and Remedial Strategies Book
Author : Leonard Onyiriuba
Publisher : Createspace Independent Publishing Platform
Release : 2017-02-21
ISBN : 9781543221954
Language : En, Es, Fr & De

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Book Description :

Bank Credit Policy, Administration and Remedial Strategies is designed to contribute knowledge that would help to stabilize the banking system and stem future global financial crisis. It addresses issues in the long-term implications of the views which its author upholds in the book. At the preliminary stage, it profiles contemporary credit risk crisis. That defines the problem which takes centre stage of the book. Diagnosing credit risk as the canker of financial crisis in the banking system, it challenges contemporary management of credit risk in global banks. The book propounds five evolutionary stages of credit risk management. Doing so, it discusses implications of the stages for bank management. With appropriate case studies and analyses, the book addresses five major issues: * The dynamics of contemporary bank credit, risk, and management * Credit risk management methodology vis-à-vis bank lending need * Growing international concerns about global bank credit risk * Implications of Basel I and Basel II Accords for global bank credit risk * Evolving thinking and issues in failed bank credit risk management This book focuses on two of the three Pillars of credit risk management in banking - credit policy and control, also referred to as credit administration or credit compliance (Pillar 2); and loan workout, remediation and recovery (Pillar 3). I dealt with credit analysis, representing the Pillar 1, in another book - Analyzing and Managing Risks in Bank Lending. Pillar 2 ensures that the lending portfolio is of high quality, profitable, and effectively managed. Pillar 3 seeks, regularizes, and adopts measures that ensure that a bank always has efficient processes for loan workout, remediation of non-performing loans, and recovery of classified or lost risk assets.

Risk Management Balancing Act

Risk Management Balancing Act Book
Author : Anonim
Publisher : Unknown
Release : 2011
ISBN : 0987650XXX
Language : En, Es, Fr & De

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Book Description :

Download Risk Management Balancing Act book written by , available in PDF, EPUB, and Kindle, or read full book online anywhere and anytime. Compatible with any devices.

Financing in Europe

Financing in Europe Book
Author : Marcella Lorenzini,Cinzia Lorandini,D'Maris Coffman
Publisher : Springer
Release : 2018-02-19
ISBN : 3319584936
Language : En, Es, Fr & De

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Book Description :

This book explores the evolution of credit and financing in Europe from the Middle Ages through to Modern Times. It engages with the distinct political, economic and institutional frameworks of the examined areas (England, Italy, France, Germany, Spain, the Netherlands and Turkey) and discusses how these affected the credit market. It covers a wide range of different types of lending and borrowing instruments, the destination of capital, the way it was raised, and the impact it had on local or national economies in a very long run. Presented in two parts, part one of the book focuses on credit markets in the preindustrial age, in particular the period before the advent of modern joint stock banks. Part two examines the evolution of credit at the time of the emergence of modern banks. This volume will be of interest to academics and researchers in the field of finance who are interested in the historic evolution of credit and the credit market.

Risk Management in Emerging Markets

Risk Management in Emerging Markets Book
Author : Anonim
Publisher : Emerald Group Publishing
Release : 2016-10-04
ISBN : 1786354519
Language : En, Es, Fr & De

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Book Description :

This book addresses three main dimensions of risk management in emerging markets: 1) the effectiveness of risk management practices; 2) current issues and challenges in risk assessment and modelling in emerging market countries; 3) the responses of emerging markets to the recent financial crises and the design of risk management models.

Liquidity Risk

Liquidity Risk Book
Author : E. Banks
Publisher : Springer
Release : 2004-09-24
ISBN : 0230508111
Language : En, Es, Fr & De

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Book Description :

Much critical attention has been given in recent years to market and credit risks, which have a significant effect on corporate and financial operations and must be understood and managed with care. While these areas have rightly received considerable scrutiny, another critical dimension of financial risk - based on corporate liquidity - has been largely overlooked. Liquidity risk is the risk of loss arising from an inability to quickly realise asset value or obtain funding and can be damaging if not properly considered or actively managed. Lack of liquidity can lead to large losses in asset/liability portfolios and off balance sheet activities and in extreme cases can trigger financial distress and insolvency. Liquidity Risk is a comprehensive treatment of the topic focusing on the nature of the risk, problems that arise in asset and funding liquidity and mechanisms that can be developed to monitor, measure and control such risks.

Managing Credit Risk

Managing Credit Risk Book
Author : John B. Caouette,Jack B. Caouette,Edward I. Altman,Paul Narayanan
Publisher : John Wiley & Sons
Release : 1998-11-03
ISBN : 9780471111894
Language : En, Es, Fr & De

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Book Description :

The first full analysis of the latest advances in managing credit risk. "Against a backdrop of radical industry evolution, the authors of Managing Credit Risk: The Next Great Financial Challenge provide a concise and practical overview of these dramatic market and technical developments in a book which is destined to become a standard reference in the field." -Thomas C. Wilson, Partner, McKinsey & Company, Inc. "Managing Credit Risk is an outstanding intellectual achievement. The authors have provided investors a comprehensive view of the state of credit analysis at the end of the millennium." -Martin S. Fridson, Financial Analysts Journal. "This book provides a comprehensive review of credit risk management that should be compulsory reading for not only those who are responsible for such risk but also for financial analysts and investors. An important addition to a significant but neglected subject." -B.J. Ranson, Senior Vice-President, Portfolio Management, Bank of Montreal. The phenomenal growth of the credit markets has spawned a powerful array of new instruments for managing credit risk, but until now there has been no single source of information and commentary on them. In Managing Credit Risk, three highly regarded professionals in the field have-for the first time-gathered state-of-the-art information on the tools, techniques, and vehicles available today for managing credit risk. Throughout the book they emphasize the actual practice of managing credit risk, and draw on the experience of leading experts who have successfully implemented credit risk solutions. Starting with a lucid analysis of recent sweeping changes in the U.S. and global financial markets, this comprehensive resource documents the credit explosion and its remarkable opportunities-as well as its potentially devastating dangers. Analyzing the problems that have occurred during its growth period-S&L failures, business failures, bond and loan defaults, derivatives debacles-and the solutions that have enabled the credit market to continue expanding, Managing Credit Risk examines the major players and institutional settings for credit risk, including banks, insurance companies, pension funds, exchanges, clearinghouses, and rating agencies. By carefully delineating the different perspectives of each of these groups with respect to credit risk, this unique resource offers a comprehensive guide to the rapidly changing marketplace for credit products. Managing Credit Risk describes all the major credit risk management tools with regard to their strengths and weaknesses, their fitness to specific financial situations, and their effectiveness. The instruments covered in each of these detailed sections include: credit risk models based on accounting data and market values; models based on stock price; consumer finance models; models for small business; models for real estate, emerging market corporations, and financial institutions; country risk models; and more. There is an important analysis of default results on corporate bonds and loans, and credit rating migration. In all cases, the authors emphasize that success will go to those firms that employ the right tools and create the right kind of risk culture within their organizations. A strong concluding chapter integrates emerging trends in the financial markets with the new methods in the context of the overall credit environment. Concise, authoritative, and lucidly written, Managing Credit Risk is essential reading for bankers, regulators, and financial market professionals who face the great new challenges-and promising rewards-of credit risk management.

The Credit Risk of Complex Derivatives

The Credit Risk of Complex Derivatives Book
Author : E. Banks
Publisher : Springer
Release : 2016-01-12
ISBN : 1403946094
Language : En, Es, Fr & De

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Book Description :

Since the publication of the second edition of The Credit Risk of Complex Derivatives in 1997, the world of derivatives has gone through a period of dramatic change - in the external operating environment, product and market characteristic and risk management techniques. In the light of these changes, the text has been substantially reorganized, updated and expanded. Several new chapters have been added including: * Derivative losses * Risk governance and risk management efforts * Regulatory initiatives and advances * Credit risk portfolio models Aimed at clients, intermediaries and regulators, this edition will be focused clearly on risk education, risk management and risk disclosure in order to make participation in derivatives more secure, transparent, efficient and beneficial.

Handbook of Research on Applied AI for International Business and Marketing Applications

Handbook of Research on Applied AI for International Business and Marketing Applications Book
Author : Christiansen, Bryan,Škrinjarić, Tihana
Publisher : IGI Global
Release : 2020-09-25
ISBN : 1799850781
Language : En, Es, Fr & De

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Book Description :

Artificial intelligence (AI) describes machines/computers that mimic cognitive functions that humans associate with other human minds, such as learning and problem solving. As businesses have evolved to include more automation of processes, it has become more vital to understand AI and its various applications. Additionally, it is important for workers in the marketing industry to understand how to coincide with and utilize these techniques to enhance and make their work more efficient. The Handbook of Research on Applied AI for International Business and Marketing Applications is a critical scholarly publication that provides comprehensive research on artificial intelligence applications within the context of international business. Highlighting a wide range of topics such as diversification, risk management, and artificial intelligence, this book is ideal for marketers, business professionals, academicians, practitioners, researchers, and students.

Managing Credit Risk

Managing Credit Risk Book
Author : John B. Caouette,Edward I. Altman,Paul Narayanan,Robert Nimmo
Publisher : John Wiley & Sons
Release : 2011-07-12
ISBN : 111816069X
Language : En, Es, Fr & De

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Book Description :

Managing Credit Risk, Second Edition opens with a detailed discussion of today’s global credit markets—touching on everything from the emergence of hedge funds as major players to the growing influence of rating agencies. After gaining a firm understanding of these issues, you’ll be introduced to some of the most effective credit risk management tools, techniques, and vehicles currently available. If you need to keep up with the constant changes in the world of credit risk management, this book will show you how.

7 Things to Know About Getting Money for Your Business

7 Things to Know About Getting Money for Your Business Book
Author : Dr. David Doriscar
Publisher : Elm Hill
Release : 2020-05-05
ISBN : 1400331242
Language : En, Es, Fr & De

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Book Description :

This book will share some insights for both people who are currently in need of getting money for their business as well as people that are in a situation where they currently do not feel like they need any money but would like to be armed with the knowledge that may be useful if they ever did need to consider financing. This book will arm the reader (Business owner, or aspiring Business owner) with the perspective that most funders have, which will allow the Business principal to better anticipate and position themselves in a way that can increase their chances for receiving funding. The book was written after witnessing the different perspectives that business owners and funders have, its aim is to bridge that gap so that there can be greater understanding between those aspiring to receive funds and those giving it. The book is mainly focus on speaking to those aspiring to receive funds, to help them be more successful by learning these 7 things they should know as a foundational piece to their funding endeavors.

Symposium proceedings XVI International symposium Symorg 2018

Symposium proceedings   XVI International symposium Symorg 2018 Book
Author : Nevenka Žarkić-Joksimović,Sanja Marinković
Publisher : University of Belgrade, Faculty of Organizational Sciences
Release : 2018-06-12
ISBN : 8676803617
Language : En, Es, Fr & De

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Book Description :

Download Symposium proceedings XVI International symposium Symorg 2018 book written by Nevenka Žarkić-Joksimović,Sanja Marinković, available in PDF, EPUB, and Kindle, or read full book online anywhere and anytime. Compatible with any devices.

Foreign Bank Entry and Credit Allocation in Emerging Markets

Foreign Bank Entry and Credit Allocation in Emerging Markets Book
Author : Ms.Emilia Magdalena Jurzyk,Hans Degryse,Olena Havrylchyk,Sylwester Kozak
Publisher : International Monetary Fund
Release : 2009-12-01
ISBN : 1451874154
Language : En, Es, Fr & De

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Book Description :

We employ a unique data set containing bank-specific information to explore how foreign bank entry determines credit allocation in emerging markets. We investigate the impact of the mode of foreign entry (greenfield or takeover) on banks' portfolio allocation to borrowers with different degrees of informational transparency, as well as by maturities and currencies. The impact of foreign entry on credit allocation may stem from the superior performance of foreign entrants ("performance hypothesis"), or reflect borrower informational capture ("portfolio composition hypothesis"). Our results are broadly in line with the portfolio composition hypothesis, showing that borrower informational capture determines bank credit allocation.m

Housing Finance Policy in Emerging Markets

Housing Finance Policy in Emerging Markets Book
Author : Loic Chiquier,Michael J. Lea
Publisher : World Bank Publications
Release : 2009
ISBN : 0821377515
Language : En, Es, Fr & De

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Book Description :

Housing finance markets have been changing dramatically in both emerging and developed economies. On the one hand, housing finance markets are expanding and represent a powerful engine for economic growth in many emerging economies. However, the unfolding sub-prime mortgage crisis highlights the risks and potential turbulence that this sector can introduce into the financial system when expanding without proper infrastructure and regulation. As housing finance keeps growing in emerging economies to match a rising demand for housing, new risk management approaches, business models, funding tools, and policy instruments can help. Yet many questions remain about the right balance between innovation and regulation, the extent of risks to the financial system, the appropriate role of the state to promote affordable housing, and the effects of the sub-prime crisis. This book provides a guide for policymakers dealing with housing finance in emerging markets. It highlights the prerequisites for an effective housing finance system; it lays out several policy alternatives and models of housing finance; and it explores the role of governments in expanding access to housing finance for lower-income households. There is no "best" model set out in this book. The aim is to provide a developmental roadmap that can be tailored and sequenced to each country's situation and timing.