Assessment of Credit Risk Management Practice in Case of Bunna Bank
| dc.contributor.advisor | Sewale Abate (PhD) | |
| dc.contributor.author | Kidist Derese | |
| dc.date.accessioned | 2025-03-06T14:03:14Z | |
| dc.date.available | 2025-03-06T14:03:14Z | |
| dc.date.issued | 2022-06-05 | |
| dc.description.abstract | Credit risk management becomes major discussion issue in the financial institutions because of uncertainty related to borrowers business. The aim of this study is to assess the practice of credit risk management of b unna bank. In order to address this objective, the study targeted credit and loan department and district officers who currently work at the head office and of the bank and collected primary data. The primary data were collected through questionnaires. The study distributed 69 questionnaires from which 47 questionnaires were collect filled and returned. The collected data was analyzed using descriptive statically tools. The findings showed that there is the well-designed credit risk strategy and policy that clearly indicated and recognized areas of credit engagement and the risk inherent in these engagements. The findings also indicated that respondent employs believed there is a good level of credit appraisals and granting process at the bank that check borrower’s history, financial condition and collateral requirements. Before granting loans furthermore the study showed that b unna bank was appropriate internal risk scoring system. Employee risk based scientific pricing and has an independent risk management function but results also indicated there is a room for improvement with regarding to monitoring activities undertaken at b unna bank. In line with the findings of the study, it was suggested to the bank to enhance its monitoring process by regularly inspecting the business of clients after granting credits, develop different type of credit facilities to the borrowers as per the potential borrower preference and assess borrowers past financial history, credit worthiness. | |
| dc.identifier.uri | https://etd.aau.edu.et/handle/123456789/4938 | |
| dc.language.iso | en | |
| dc.publisher | A.A.U | |
| dc.title | Assessment of Credit Risk Management Practice in Case of Bunna Bank | |
| dc.type | Thesis |