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Emerging Market Bank Lending and Credit Risk Control

Emerging Market Bank Lending and Credit Risk Control
  • Author : Leonard Onyiriuba
  • Publisher :Unknown
  • Release Date :2015-08-03
  • Total pages :738
  • ISBN : 9780128034477
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Summary : 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
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2021
  • Total pages :229
  • ISBN : 1542901499
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Summary :

Risk Management in Emerging Markets

Risk Management in Emerging Markets
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2016-10-04
  • Total pages :752
  • ISBN : 9781786354518
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Summary : 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.

Principles and Practice of Bank Lending

Principles and Practice of Bank Lending
  • Author : Leonard Onyiriuba
  • Publisher :Unknown
  • Release Date :2018-05-13
  • Total pages :320
  • ISBN : 1975902246
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Summary : 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.

Bank Risk Management in Developing Economies

Bank Risk Management in Developing Economies
  • Author : Leonard Onyiriuba
  • Publisher :Unknown
  • Release Date :2016-10-04
  • Total pages :668
  • ISBN : 9780128093597
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Summary : 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

The Journal of Lending & Credit Risk Management

The Journal of Lending & Credit Risk Management
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :1998
  • Total pages :229
  • ISBN : UCLA:L0080812118
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Summary :

Managing Portfolio Credit Risk in Banks: An Indian Perspective

Managing Portfolio Credit Risk in Banks: An Indian Perspective
  • Author : Arindam Bandyopadhyay
  • Publisher :Unknown
  • Release Date :2016-03-31
  • Total pages :390
  • ISBN : 9781107146471
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Summary : This book explains how a proper credit risk management framework enables banks to identify, assess and manage the risk proactively.

Symposium proceedings - XVI International symposium Symorg 2018

Symposium proceedings - XVI International symposium Symorg 2018
  • Author : Nevenka Žarkić-Joksimović,Sanja Marinković
  • Publisher :Unknown
  • Release Date :2018-06-12
  • Total pages :1159
  • ISBN : 9788676803613
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Summary :

Housing Finance Policy in Emerging Markets

Housing Finance Policy in Emerging Markets
  • Author : Loic Chiquier,Michael J. Lea
  • Publisher :Unknown
  • Release Date :2009
  • Total pages :491
  • ISBN : 9780821377512
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Summary : 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.

Pensions, Savings and Capital Flows From Ageing to Emerging Markets

Pensions, Savings and Capital Flows From Ageing to Emerging Markets
  • Author : Reisen Helmut
  • Publisher :Unknown
  • Release Date :2000-05-15
  • Total pages :240
  • ISBN : 9789264181625
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Summary : This books explores the international aspects of pension reform, private savings and volatile capital markets and clarifies how they relate to each other.

Institutional Banking for Emerging Markets

Institutional Banking for Emerging Markets
  • Author : Wei-Xin Huang
  • Publisher :Unknown
  • Release Date :2007-04-30
  • Total pages :247
  • ISBN : UCSD:31822034297465
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Summary : In today's competitive banking industry, institutional banking isattracting greater interest. Under the globalization umbrella,inter-bank business is undergoing dynamic change and istranscending the boundaries of traditional correspondent banking.In today's climate, no bank, regardless of size, can grow withoutthe cooperation of other banks and no bank can hope to survive andprosper without utilizing emerging markets. Institutional bankingin emerging countries has some unique functions: for example,problem solving is heavier and more crucial in emerging marketsthan in developed countries, given the irregularity of the marketand non-transparency of the financial/legal systems. Moreover, itis particularly necessary to forge good relationships, day-to-daycontact and personal communication, to provide better chances forproduct marketing and risk management. Products are thereforetailor-made and adapted as the situation dictates, a successfullesson for one case in one country cannot necessarily be repeatedin another. Huang provides a systematic framework for the subject combiningboth principles and practice. The direct experience of the author,allows him to write authoritatively about the subject with academicvigour as well as a large amount of practical knowledge which onlya practitioner can provide. The book contains numerous real life examples and case studiesto allow the reader an insight into how Institutional Bankingactually works in the real world. The book also contains asupplementary CD which includes chapter summary's and furtherinformation. Note: CD-ROM/DVD and other supplementary materials arenot included as part of eBook file.

Analysing and Managing Risks of Bank Lending

Analysing and Managing Risks of Bank Lending
  • Author : Leonard O. Onyiriuba
  • Publisher :Unknown
  • Release Date :2004
  • Total pages :268
  • ISBN : STANFORD:36105114944858
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Summary :

Annual Report of the Executive Directors for the Fiscal Year

Annual Report of the Executive Directors for the Fiscal Year
  • Author : International Monetary Fund
  • Publisher :Unknown
  • Release Date :1997
  • Total pages :229
  • ISBN : STANFORD:36105061852799
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Summary :

Financial Management from an Emerging Market Perspective

Financial Management from an Emerging Market Perspective
  • Author : Soner Gokten,Guray Kucukkocaoglu
  • Publisher :Unknown
  • Release Date :2018-01-17
  • Total pages :332
  • ISBN : 9789535137368
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Summary : One of the main reasons to name this book as Financial Management from an Emerging Market Perspective is to show the main differences of financial theory and practice in emerging markets other than the developed ones. Our many years of learning, teaching, and consulting experience have taught us that the theory of finance differs in developed and emerging markets. It is a well-known fact that emerging markets do not always share the same financial management problems with the developed ones. This book intends to show these differences, which could be traced to several characteristics unique to emerging markets, and these unique characteristics could generate a different view of finance theory in a different manner. As a consequence, different financial decisions, arrangements, institutions, and practices may evolve in emerging markets over time. The purpose of this book is to provide practitioners and academicians with a working knowledge of the different financial management applications and their use in an emerging market setting. Six main topics regarding the financial management applications in emerging markets are covered, and the context of these topics are "Capital Structure," "Market Efficiency and Market Models," "Merger and Acquisitions and Corporate Governance," "Working Capital Management," "Financial Economics and Digital Currency," and "Real Estate and Health Finance."

Bank Asset and Liability Management

Bank Asset and Liability Management
  • Author : Moorad Choudhry
  • Publisher :Unknown
  • Release Date :2011-12-27
  • Total pages :256
  • ISBN : 9781118177211
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Summary : Banks are a vital part of the global economy, and the essence of banking is asset-liability management (ALM). This book is a comprehensive treatment of an important financial market discipline. A reference text for all those involved in banking and the debt capital markets, it describes the techniques, products and art of ALM. Subjects covered include bank capital, money market trading, risk management, regulatory capital and yield curve analysis. Highlights of the book include detailed coverage of: Liquidity, gap and funding risk management Hedging using interest-rate derivatives and credit derivatives Impact of Basel II Securitisation and balance sheet management Structured finance products including asset-backed commercial paper, mortgage-backed securities, collateralised debt obligations and structured investment vehicles, and their role in ALM Treasury operations and group transfer pricing. Concepts and techniques are illustrated with case studies and worked examples. Written in accessible style, this book is essential reading for market practitioners, bank regulators, and graduate students in banking and finance. Companion website features online access to software on applications described in the book, including a yield curve model, cubic spline spreadsheet calculator and CDO waterfall model.

Risk

Risk
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2006-07
  • Total pages :229
  • ISBN : UOM:39015065069661
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Summary :

Managing Elevated Risk

Managing Elevated Risk
  • Author : Iwan J. Azis,Hyun Song Shin
  • Publisher :Unknown
  • Release Date :2014-12-11
  • Total pages :124
  • ISBN : 9789812872845
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Summary : This book discusses the risks and opportunities that arise in Emerging Asia given the context of a new environment in global liquidity and capital flows. It elaborates on the need to ensure financial and overall economic stability in the region through improved financial regulation and other policy measures to minimize the emergent risks. "Managing Elevated Risk: Global Liquidity, Capital Flows, and Macroprudential Policy—An Asian Perspective" also explores the range of policy options that may be deployed to address the impact of global liquidity on domestic financial and socio-economic conditions including income inequality. The book is primarily aimed at policy makers, financial market regulators and supervisory agencies to help them improve national regulatory systems and to promote harmonization of national regulations and practices in line with global standards. Scholars and researchers will also gain important information and knowledge about the overall impacts of changing global liquidity from the book.

Emerging Market Economies and Financial Globalization

Emerging Market Economies and Financial Globalization
  • Author : Leonardo E. Stanley
  • Publisher :Unknown
  • Release Date :2018-03-15
  • Total pages :250
  • ISBN : 9781783086764
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Summary : In the past, foreign shocks arrived to national economies mainly through trade channels, and transmissions of such shocks took time to come into effect. However, after capital globalization, shocks spread to markets almost immediately. Despite the increasing macroeconomic dangers that the situation generated at emerging markets in the South, nobody at the North was ready to acknowledge the pro-cyclicality of the financial system and the inner weakness of “decontrolled” financial innovations because they were enjoying from the “great moderation.” Monetary policy was primarily centered on price stability objectives, without considering the mounting credit and asset price booms being generated by market liquidity and the problems generated by this glut. Mainstream economists, in turn, were not majorly attracted in integrating financial factors in their models. External pressures on emerging market economies (EMEs) were not eliminated after 2008, but even increased as international capital flows augmented in relevance thereafter. Initially economic authorities accurately responded to the challenge, but unconventional monetary policies in the US began to create important spillovers in EMEs. Furthermore, in contrast to a previous surge in liquidity, funds were now transmitted to EMEs throughout the bond market. The perspective of an increase in US interest rates by the FED is generating a reversal of expectations and a sudden flight to quality. Emerging countries’ currencies began to experience higher volatility levels, and depreciation movements against a newly strong US dollar are also increasingly observed. Consequently, there are increasing doubts that the “unexpected” favorable outcome observed in most EMEs at the aftermath of the Global Financial Crisis (GFC) would remain.

International finance actions taken to reform financial sectors in Asian emerging markets : report to congressional requesters.

International finance actions taken to reform financial sectors in Asian emerging markets : report to congressional requesters.
  • Author : Anonim
  • Publisher :Unknown
  • Release Date :2021
  • Total pages :229
  • ISBN : 9781428974289
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Summary :

Determinants of International Bank Lending to Emerging Market Countries

Determinants of International Bank Lending to Emerging Market Countries
  • Author : Serge Jeanneau,Marian Micu
  • Publisher :Unknown
  • Release Date :2002
  • Total pages :41
  • ISBN : IND:30000082108246
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Summary : This paper analyses the determinants of international bank lending to the largest countries in Asia and Latin America through a framework based on 'push'/'pull' factors. Our results show that both types of factors determine international bank lending. However, they differ from those of the early 1990s' literature in that aggregate lending to emerging market countries appears to have been procyclical to growth in lending countries rather than countercyclical. Moreover, the sharp increase in short-term lending during the 1990s seems to have been largely a pull phenomenon. Additionally, there is evidence that fixed rate regimes encouraged international bank lending, while bandwagon and contagion effects were also present. The introduction of the Basel Accord on capital adequacy does not appear to have played a significant role in international bank lending to emerging economies.

Treasury Finance and Development Banking, + Website

Treasury Finance and Development Banking, + Website
  • Author : Biagio Mazzi
  • Publisher :Unknown
  • Release Date :2013-09-30
  • Total pages :299
  • ISBN : 9781118729120
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Summary : Credit and credit risk permeates every corner of the financial world. Although previously credit was only acknowledged when dealing with counterparty credit risk, high-yield debt, or credit-linked derivatives, now it affects all things, including such fundamental concepts as assessing the present value of a future cash flow. The purpose of this book is to analyze credit from the beginning—the point at which any borrowing entity (sovereign, corporate, etc.) decides to raise capital. To describe clearly the debt management activity, the book presents examples from the development banking world (multi-lateral agencies, quasi-governmental entities, Emerging Markets, shrinking pool of AAA borrowers, etc.). This book covers: Curve construction (instruments, collateralization, discounting, bootstrapping) Credit and fair valuing of loans (modeling, development institutions) Emerging markets and liquidity (development banking issues) Bond pricing (expressing credit, illiquid bonds) Treasury (funding as an asset swap structure, benchmarks for borrowing/investing) Risk and asset liability management (leverage, hedging, funding)