Credit Risk Management System of Ethiopian Commercial Banks (Case of Some Public and Private Banks)
| dc.contributor.advisor | Gebrehiwot, Gebremedhin | |
| dc.contributor.author | Mekonnen, Sahlemichael | |
| dc.date.accessioned | 2018-06-29T06:19:48Z | |
| dc.date.accessioned | 2023-11-08T14:37:14Z | |
| dc.date.available | 2018-06-29T06:19:48Z | |
| dc.date.available | 2023-11-08T14:37:14Z | |
| dc.date.issued | 2009-06 | |
| dc.description.abstract | Banking is a business practice, or profession almost as old as the very existence of man. It has sprouted from the very primitive stone age banking, through the Victorian age to the technology driven Google- age banking, encompassing automotive teller machines (ATMs), credit and debit card, correspondent and internet banking ( Wikipedia, 2008). While financial institutions have found difficulties over the years for a multitude of reasons, the major cause of serious banking problems continues to be directly related to lax credit standards for borrowers and counterparts, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to deterioration in the credit standing of bank's counter parties. Now a days credit risk is becoming a vicinity of concern not only to bank's but to all in the business world because the risk of a trading partner not fulfilling his obligations in full on due date can seriously Jeopardize the affairs of the other partner. The goal of Credit Risk Management is to maximize banks risk- adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or transactions. Banks should also consider the relationships between credit risk and other risks. Effective management of credit risk is a critical component of a comprehensive approach to risk management and essential to the long-term success of any banking organization (Basle committee on banking supervision, 2004) The axle of this study is to have a clearer picture of how Commercial Bank of Ethiopia, Construction & Business Bank, Dashen Bank S.C., Awash International Bank S.C., United Bank S.C. and NIB International Bank S.C manage their credit risks. In this light the study in its first chapter gives background to the study and the second part is a detailed literature review on the origin of banking, credit risk management principles, tools, techniques and assessment models. Data analysis and interpretation of results are dealt in chapter three. Finally based on these, conclusions and recommendations were drawn on the last chapter of the paper | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/4799 | |
| dc.language.iso | en_US | en_US |
| dc.publisher | Addis Ababa University | en_US |
| dc.subject | public and private | en_US |
| dc.subject | Credit risk management | en_US |
| dc.title | Credit Risk Management System of Ethiopian Commercial Banks (Case of Some Public and Private Banks) | en_US |
| dc.type | Thesis | en_US |