Authors

1. Ms. Rishita Shah
2. Dr. Shalini Talwar

Affiliation

• Student, K J Somaiya Institute of Management Studies and Research, Mumbai
• Associate Professor, Finance, K J Somaiya Institute of Management Studies and Research, Mumbai

Abstract

Banking and financial sector is unique, not only in terms of the functions it performs, but also in terms
of the risks that it has to encounter and manage. The risks that impact financial services institutions
may be categorized as credit, market, liquidity and operational risks. The risk that the borrowers will
not pay interest on their loan and/or fail to repay the loan principal also is classified as credit risk. It is
one of the most significant risks faced by financial intermediaries. In fact, credit risk has been found to
be a leading cause of many systemic issues in banks across the world over the past few decades.

Keywords

Credit Risk, Asset Management, Non-Performing Assets

References

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3. Rodgers, D. (2015), Credit Losses at Australian Banks: 1980–2013, Research discussion paper. Available at : https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-06.pdf, accessed on 28 December, 2018.
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