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How to Mitigate credit risk?

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تم إضافة السؤال من قبل Nadia Ahmed Mohammed Saeed , T/L. Credi t& Risk , Canar Telecommunication Co. LTD.
تاريخ النشر: 2013/11/03
VENKITARAMAN KRISHNA MOORTHY VRINDAVAN
من قبل VENKITARAMAN KRISHNA MOORTHY VRINDAVAN , Project Execution Manager & Accounts Manager , ALI INTERNATIONAL TRADING EST.

>Assessing Debt Service Coverage of theBorrower for lending or advancing,

>Credit worthiness, Business connections and reputation in case  of Credit Dealings in    business.

Mir Mujtaba Ali
من قبل Mir Mujtaba Ali , Internal Audit Manager , Confidential

Credit insurance, deposit insurance, risk based pricing, covenants, etc are some of the methods of mitigating the credit risk

Faisal Shahzad
من قبل Faisal Shahzad , Branch Operation Manager , Al Baraka Bank (Pakistan) Limited

Try to hold a tangible asset as a collateral70% more than the amount financed (because the market value can be decreased any time due to riots, political situation, economic crisis etc) so the cousion of70% must be covered in it. secondly try to hold first charge on the collateral. Must ensure the business worth of the borrower is strong to pay debts. Scrutinize the honesty of borrower from the local market. Current ratio is also a suitable key to check the business worth.

Vinod Jetley
من قبل Vinod Jetley , Assistant General Manager , State Bank of India

To mitigate credit risk, bankers usually ask for security and/or guarantee(s). Security can be primary or collateral or both. Guarantee is of a person(s)(or entities) with substantial net worth.

مستخدم محذوف‎
من قبل مستخدم محذوف‎

Very simple first of all check the repayment capacity of the client if u are working in credit department in any bank.Check the Debt structure and and industry returns and value your client standing among the industry.

Otherwise if u have portfolio investment in equity market than hedging mitigates the risk and there are lot of strategies of benjuman gram and warren buffet.

 

ahsen ali randhawa
من قبل ahsen ali randhawa , Relationship Manager/Credit Analyst (Officer Grade II) , National Bank of Pakistan

There is ruke in accrual system of accounting that record the losses when they are eminent and record the profits when they are earned. Therefore the simple rule of mitigating risk is to record the losses when they are expected by creating provisioning.

 

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