Managing Unsecured Credit Risk - Accounting & Finance Assignment Help

Assignment Task

Quantitative models for measurement of risk, explained during this course, are the cornerstone of the Internal Ratings Based (IRB) approach to estimating capital adequacy requirements under the BASEL accord. Please read Document-1.pdf titled: Basel 4: the Way Ahead, and Document-2.pdf which discussed whether Indian banks are ready for IRB approach. RBI notification No. RBI/2011-12/31 attached as Document-3.pdf may help you in understanding the context and answering this assignment. You may additionally read / reference any other document available / accessible to you.

1. Discuss the advantages and disadvantages of the IRB approach in general, and in the context of individual Indian banks and the Indian banking system.

2. Discuss the objective behind the ‘Guidelines’ issued by RBI (part of Document-3.pdf) and how it will help commercial banks achieve that objective. What incentive do individual commercial banks have in achieving the objective?

3. Choose any Indian commercial bank and discuss its level of preparedness vis-à-vis the RBI Guidelines given in Document-3.pdf. What does this bank (of your choice) need to do on a priority basis to achieve the objective? Justify your answer from the knowledge you acquired in this course.

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