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Risk Management in Commercial Banks (A

Case Study of Public and Private Sector Banks)

Rekha Arunkumar
Bapuji Institute of Engineering & Technology

G. Kotreshwar
University of Mysore
Indian Institute of Capital Markets 9th Capital Markets Conference Paper
Abstract:
"Banks are in the business of managing risk, not avoiding it . . . ."
Risk is the fundamental element that drives financial behavior.
Without risk, the financial system would be vastly simplified.
However, risk is omnipresent in the real world. Financial Institutions,
therefore, should manage the risk efficiently to survive in this highly
uncertain world. The future of banking will undoubtedly rest on risk
management dynamics. Only those banks that have efficient risk
management system will survive in the market in the long run. The
effective management of credit risk is a critical component of
comprehensive risk management essential for long-term success of a
banking institution.
Credit risk is the oldest and biggest risk that a bank, by virtue of its
very nature of business, inherits. This has, however, acquired a
greater significance in the recent past for various reasons. Foremost
among them is the wind of economic liberalization that is blowing
across the globe. India is no exception to this swing towards marketdriven economy. Better credit portfolio diversification enhances the
prospects of the reduced concentration credit risk as empirically
evidenced by direct relationship between concentration credit risk
profile and NPAs of public sector banks.
". . . a bank's success lies in its ability to assume and aggregate risk
within tolerable and manageable limits."
Number of Pages in PDF File: 22
Keywords: Banks, Risk Management, Credit risk, NPA, India,

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Concentration risk, Risk based supervision

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Date posted: January 25, 2006
Suggested Citation
Arunkumar, Rekha and Kotreshwar, G., Risk Management in Commercial Banks
(A Case Study of Public and Private Sector Banks). Indian Institute of Capital
Markets 9th Capital Markets Conference Paper. Available at SSRN:
http://ssrn.com/abstract=877812 or http://dx.doi.org/10.2139/ssrn.877812

Contact Information
Rekha Arunkumar (Contact Author)
Bapuji Institute of Engineering &
Technology ( email )
Karnataka
India
G. Kotreshwar
University of Mysore ( email )
Manasagangotri, karnataka
India

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