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Process of Risk Management in Banking Sector

Rs. 1,000.00

Financial sector reforms in India have brought about rapid changes in the structure of financial markets, more particularly in banks. After initial shocks, the market is now attuned to the winds of liberalization and gradually learning the tricks of not only surviving but also growing in an environment of volatile as man soon. Banking prior to the 90s and banking now present a perfect study of contrast.
Recently, banks have started to focus on the area of risk management as well as asset-liability management (ALM). Simply speaking, ALM is an attempt to match the assets and liabilities in terms of their maturities and interest rates sensitivities so that the risk arising from such mismatches – mainly interest rate risk and liquidity risk- can be contained within the desired limit. The objective behind all these measures is to make banks fully prepared to face the emerging challenges. It is also common knowledge that the concept of risk in terms of its definition, identification, quantification and management as well as the risk of managing assets and liabilities, without which all endeavors to manage the net interest margin as well as the total balance sheet would remain a non- starter. Because of ALM, Interest rate risk management assumes utmost importance. In fact due to very nature of its business, a bank should accept interest rate risk not by chance but by choice. And when the bank has to take risk as a choice, then it should ensure that the risk taken is firstly manageable and secondly it does not get transformed into any other undesirable risk. As stated earlier, the focal point in managing any risk will be to understand the nature of the risk. This is especially essential for interest rate risk management. Interest Rate Risk is the gain/ loss that arises due to sensitivity of the interest income/interest expenditure or values of assets/liabilities to the interest rate fluctuations.
This project study is an endeavor to understand interest rate risk management practices followed in banks in India. Banks in fact are using various interest rate risk management methods. Traditional and modern methods like maturity gap method, rate adjusted gap method, duration analysis, hedging techniques, and simulation and value at risk method are being used. So banking in India has come a long way. In fact interest rate risk management being part of ALM is being given utmost importance by banks.

Number of Pages of Project Report: 56
Package Includes: Project Report
Project Format: Document (.doc)

Table of Contents of Project Report:
Executive Summary

Chapter-1 Objectives of the Study

Chapter-2 Research Methodology

Chapter-3 Banking sector-overview and latest trends in this sector.

Chapter-4 Importance of Interest Rates

Chapter-5 Term structure of interest Rates

Chapter-6 Theories of Interest Rates- Determination of
Interest Rates

Chapter-7 Types of interest Rate Risks

Chapter-8 Interest Rate Risk Management in Banks

Chapter-9 Conclusion

Chapter-10 Limitations

Bibliography and References

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