A practical guide to the practices and procedures of effectively
managing banking risks
Managing Risks in Commercial and Retail Banking takes an
in-depth, logical look at dealing with all aspects of risk
management within the banking sector. It presents complex processes
in a simplified way by providing real-life situations and
examples.
The book examines all dimensions of the risks that banks
face--both the financial risks--credit, market, and
operational--and the non-financial risks--money
laundering, information technology, business strategy, legal, and
reputational. Focusing on methods and models for identifying,
measuring, monitoring, and controlling risks, it provides practical
advice backed up by solid theories, without resorting to the use of
complicated mathematical and statistical formulas.
Author Amalendu Ghosh exposes topics that are usually absent in
books on managing banking risk--such as design of control
framework, risk management architecture, credit risk rating,
risk-based loan pricing, portfolio analysis, business continuity
planning, and corporate governance.
* Author has extensive experience with a variety of major banks
and institutions worldwide and brings a fresh perspective in the
wake of the global finance crisis
* Presents a novel approach using models of the credit risk
rating of different types of borrowers, the methodology for
assigning weights for deriving the rating, and the scoring
process
* Covers the essentials of corporate governance and options for
credit risk assessment in line with the recommendations made in the
New Basel Capital Accord
* Explains the methodology of risk-based internal audit,
including techniques to enable bank branches to switch over from
the old transaction-based audit methods
With its logical sequence of the aspects of risk management, the
book's layout is ideal for presentations, making it a handy tool
for risk management training
