Dissertation Credit Risk

Today, policies and standards seem to be written in a vacuum, only to see the light of day when regulators call.

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The findings reveal that credit risk management has a significant effect on shareholder value in all eight banks.

Among the three credit risk management indicators, NPLR has the most significant effect on the return on shares.

Through the results of the study it can be concluded that null hypothesis can be rejected since there is a significant relationship between credit risk management and shareholder value.

Estimation of portfolio expected credit loss is required for IFRS9 regulatory purposes.

It starts with the estimation of scenario loss at loan level, and then aggregated and summed up by scenario probability weights to obtain portfolio expected loss.

This estimated loss can vary significantly, depending on the levels of loss severity generated by the IFSR9 models, and the probability weights chosen.

more Given that Vendor Risk Management is all the rage, I wanted to highlight the multi-layered risk management defense factors that I consider as best practice.

Note that this is the optimal defense and very much depends on both internal and external considerations.

Stay ahead of the game: do not wait to be told to implement a risk-savvy culture by a regulator or governing body.

Combined with a healthy culture, good risk documentation can save time, money and energy. I am no longer amazed by the missteps of any financial organization.

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