scholarly journals CREDIT RISK EXPOSURE OF SELECTED NEW PRIVATE SECTOR BANKS IN INDIA WITH REFERENCE TO ASSET LIABILITY MANAGEMENT

2021 ◽  
Vol 4 (1) ◽  
pp. 36-41
Keyword(s):  
Private Sector ◽  
Credit Risk ◽  
Profit Maximization ◽  
Strategic Decision ◽  
Risk Minimization ◽  
Asset Liability Management ◽  
Future Earnings ◽  
Liability Management ◽  
Different Types ◽  
One Way Anova

Asset Liability management of a bank refers to strategic decision making and devising strategies with respect to mitigation of different types of risk with a core objective of risk minimization and profit maximization. Banks are exposed to varied types of risk of which credit risk is crucial as it enhances the risk of insolvency and bankruptcy of a bank. It arises when borrowers turn out to be defaulters. Credit risk not only wipes out the capital of the banks but also hampers the present and future earnings of the bank. The present paper analyzes the credit risk of selected private sector banks to know if the Asset Liability management (ALM) policy of a bank with respect to credit risk is effective or not. The different measures of Credit risk as Gross Non-performing assets and Net Nonperforming assets are analyzed using One-Way Anova to see if credit risk of selected banks is significantly different or not.

Strategic Management of the Main Elements of the Bank's Financial Strategy

2020 ◽  
pp. 96-109
Author(s):  
Tatiana P. Goncharenko
Keyword(s):  
Risk Management ◽  
Strategic Management ◽  
Banking Sector ◽  
Financial Analysis ◽  
Profit Maximization ◽  
Risk Minimization ◽  
Financial Strategy ◽  
Theoretical Understanding ◽  
Liability Management ◽  
Asset And Liability Management

The banking sector has typically operated in a highly competitive environment, which has increased significantly as a result of recent structural economic transformations. Such conditions require a more thorough exploration of one of the fundamental elements of a bank's strategic management, i.e its financial strategy, the proper construction and adherence of which will let it successfully adapt to existing and possible changes and ensure effective financial activities. This article systematizes the theoretical understanding of the main elements in the bank's financial strategy during strategic management, which include asset and liability management, risk management, revenue management, expenses and profit/loss. The author analyzes the history of the main object formation in the assets and liabilities management of the bank, as well as the peculiarities of financial analysis of assets and liabilities. In particular, the author studies the issue to ensure a sufficient level of bank liquidity, risk minimization and profit maximization as assets and liabilities management goals. While studying the features of revenue, expenses and profit/loss management, the main approaches and directions for their implementation are identified. As a result, the author of the article proposed to consider the bank’s financial strategy in terms of its main elements, distinguishing such components as the regulation of financial status indices and financial activity results. Key words: strategic management, bank, financial strategy, asset and liability management, risk management, revenue, expense and profit or loss management.

RURAL TOURISM IN INDIA CHALLENGES AND OPPORTUNITIES

2018 ◽  
Vol 6 (26) ◽  
Author(s):  
Pankaj Sharma ◽  
Ravi Parkash
Keyword(s):  
Private Sector ◽  
Rural Areas ◽  
Economic Condition ◽  
Rural Tourism ◽  
Rural Location ◽  
Different Types ◽  
Challenges And Opportunities ◽  
Political Background ◽  
The Government

The paper analyze the role of rural tourism for the development of rural areas, The study analyzed how the different types of tourist product diversifications influence the development possibilities of studied rural areas in India. The government should sponsor private Sector to promote tourism in rural areas. For upgrading the rural tourism government requires to understand the rural location, demography, socio-culture, financial and political background of that area. How we can involve the rural citizens to improve their socio-economic condition. The objective of this paper is to present an update on rural tourism expansion and development in India. Rural tourism is rising in terms of number of visitors and the government of India should focus on it as an engine of growth

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