Principles for the Management of Credit Risk

Topics:
Commercial Lending,
Strategic Planning and Analysis
Tags:
Bank,
Bank For International Settlements,
Credit Risk Management,
Financial Services,
Management,
Risk,
Security,
Strategy
Source:
Bank for International Settlements

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Overview: This article is related to credit risk management. Credit risk is most simply defined as the potential that a bank borrower or counterpart will fail to meet its obligations in accordance with agreed terms. The goal of credit risk management is to maximize a bank’s risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or transactions. Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a critical component of a comprehensive approach to risk management and essential to the long-term success of any banking organization.

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Format: PDF | Size: 131KB | Date: Sep 2000 | Pages: 30

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