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Journal articles on the topic 'Credit risk, risk management, banking, credit'

Author: Grafiati

Published: 24 April 2022

Last updated: 30 July 2025

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1

Kepuladze, T. A. "Credit risk management in the bank." Bulletin of Dulaty University 16, no. 4 (2024): 216–25. https://doi.org/10.55956/bkov2679.

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The article is devoted to the issues of credit risk management in the banking sector, which remain a key factor in financial stability and sustainability of the banking system. The main attention is paid to the analysis of modern methods of assessing and minimizing credit risks, including the introduction of new digital technologies, improving borrower scoring procedures and the use of big data to predict customer solvency. The article discusses factors influencing the growth of problem loans, such as macroeconomic instability, increasing debt burden and changes in borrower behavior. Particula

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Akram, Hassan, and Khalil ur Rahman. "Credit risk management." ISRA International Journal of Islamic Finance 10, no. 2 (2018): 185–205. http://dx.doi.org/10.1108/ijif-09-2017-0030.

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PurposeThis study aims to examine and compare the credit risk management (CRM) scenario of Islamic banks (IBs) and conventional banks (CBs) in Pakistan, keeping in view the phenomenal growth of Islamic banking and its future implications.Design/methodology/approachA sample of five CBs and four IBs was chosen out of the whole banking industry for the study. Secondary data obtained from the banks’ annual financial reports for 13 years, starting from 2004 to 2016, were analyzed. Multiple regression, correlation and descriptive analysis were used in the examination of the data.FindingsThe results

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Soehaditama, Josua Panatap, Nera Marinda Machdar, and Adler Haymans Manurung. "Determinant Banking Credit Risk Management." Indonesian Journal of Business Analytics 3, no. 4 (2023): 1105–12. http://dx.doi.org/10.55927/ijba.v3i4.5032.

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This article reviews and looks for the relationship between two variables, namely banking and credit risk management from the results of existing research. The research method used is qualitative by looking at the findings or research results from existing literature derived from reputable journals or other sources found to support this study. In this article explains that banking credit risk management, determinants play an important role in identifying, measuring, and managing credit risk. Factors such as debtor characteristics, quality of collateral, economic and industrial conditions, bank

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Alam, MD Waquar. "INVESTIGATING THE IMPACT OF CREDIT RISK ON FINANCIAL PERFORMANCE OF COMMERCIAL BANK IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem33025.

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In this liberalization period, credit Risk Management has got much importance in the Indian Economy. The main challenges faced by the banking sector today are the challenge of identifying the risk and managing it. The risk is imbibed nature of the banking business. The main role of a bank is of intermediate for those having resources and requiring resources. For risk management various risks like credit risk, market risk or operational risk have to be converted into one composite measure. The importance of credit risk management and its impact on profitability has motivated us to pursue this s

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Zholamanova, M., and A. Zhurgembayeva. "Credit risk management in commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU 143, no. 2 (2023): 168–75. http://dx.doi.org/10.32523/2789-4320-2023-2-168-175.

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Development of the banking sector in Kazakhstan is characterized by a rapid pace. This growth is combined with increased competition, access to foreign markets, and the birth of new banking products. Most banking services fall on credit activities. In this regard, it is relevant to build an effective risk management of the loan portfolio. The purpose of the study is to develop proposals for improving the management of credit risks in the banking sector. The research methodology is based on the use of such methods as generalization, statistical methods, comparative analysis and statistical meth

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Lekpek, Ahmedin. "Credit risk management in Islamic banking." Bankarstvo 47, no. 1 (2018): 32–51. http://dx.doi.org/10.5937/bankarstvo1801032l.

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Jalilian, Negar, Seyed Mahmoud Zanjirchi, and Mark Goh. "Interactive scenario analysis of banking credit risks in intuitive fuzzy space." Journal of Modelling in Management 15, no. 1 (2019): 257–75. http://dx.doi.org/10.1108/jm2-01-2019-0011.

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Purpose The purpose of the paper is to bring attention to documentary credits and the efforts to reduce debt obligations in credit history is recognized as an important source of uncommitted bank earnings. Credit risk has a significant impact on the stability of the banking system. This paper identifies the types of credit risk in the banking supply chain. Design/methodology/approach The authors model the types of credit risk using the intuitive fuzzy failure modes and effects analysis (IFMEA) and intuitive fuzzy cognitive mapping. The population of the study that is needed for the interviews

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LARIONOVA, K., and T. DONCHENKO. "ANALYSIS AND ASSESSMENT OF CREDIT RISK OF BANKS OF UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 278, no. 1 (2020): 233–40. https://doi.org/10.31891/2307-5740-2020-278-1-41.

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The negative consequences of the financial crisis, political instability, which significantly weakened the banking system of Ukraine, revealed the unwillingness of most banking institutions to promptly and adequately adjust credit policy to find the optimal balance between customer needs for credit resources, lending risks, liquidity requirements, collateral requirements credit funds of business entities with real assets, etc. The processes of internationalization and globalization in the financial market exacerbate the need to reassess the role and place of credit risk management of banking i

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Hjouji, Zaynab, Imane Hasinat, and Amal Hjouji. "A New Method in Machine Learning Adapted for Credit Risk Prediction of Bank Loans." Statistics, Optimization & Information Computing 13, no. 3 (2024): 1209–32. https://doi.org/10.19139/soic-2310-5070-1476.

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The recent global financial crisis has significantly impacted the financial system, leading to major bank failures and prompting a reevaluation of credit risk management models. Given its critical role in maintaining banking stability, effective credit risk forecasting methods are essential. In light of this, various studies have introduced techniques to analyze, detect, and prevent bank credit defaults. In this paper, we present a new approach for predicting credit risk, known as the “Method of Separating the Learning Set into Two Balls.” This method involves partitioning a learning set into

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Moolchandani, Sanjay. "Advancing Credit Risk Management: Embracing Probabilistic Graphical Models in Banking." International Journal of Science and Research (IJSR) 13, no. 6 (2024): 74–80. http://dx.doi.org/10.21275/sr24530122917.

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Apanga, Michelle Ayog-Nying, Kingsley Opoku Appiah, and Joseph Arthur. "Credit risk management of Ghanaian listed banks." International Journal of Law and Management 58, no. 2 (2016): 162–78. http://dx.doi.org/10.1108/ijlma-04-2014-0033.

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Purpose – The study aims to assess credit risk management practices within financial institutions in Ghana. Specifically, the study compares credit risk management practices of listed banks in Ghana with Basel II (1999). Design/methodology/approach – The analysis is based on data gathered from varied sources, namely, use of questionnaires, analysis of internal credit policies and procedure manuals and semi-structured interviews and discussions with credit risk managers of the selected banks in May 2007 and October 2014. Findings – Overall, the credit risk management practices within listed ban

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Pokhylko, S., and V. Novikov. "ANALYSIS OF EXISTING APPROACHES ABOUT MANAGEMENT AND MINIMIZATION OF CREDIT RISK." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 53–63. http://dx.doi.org/10.21272/1817-9215.2019.1-7.

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The efficiency of banking performance, related to ensuring reliable protection for banks from credit risk by borrowers, requires resolving multiple issues related to the analysis of their creditworthiness and reliability, as well as development of methods and models to predict the consequences of non-repayment or overdue loans from the borrowers‘ side for the further effective functioning of a bank. Taking into account a considerable amount of scientific works devoted to the research of influence of credit risk on banking there is still a necessity in improvement of existing methods of credit

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Ahmed, Faraz, Kehkashan Nizam, and Noman Ahsan. "CREDIT RISK MANAGEMENT AND DEFAULT RISK: EMPIRICAL EVIDENCE FROM UNITED KINGDOM." Journal for Business Education and Management 3, no. 2 (2023): 95–110. https://doi.org/10.56596/jbem.v3i2.52.

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Credit risk is one of the major problems that financial institutions face, especially in the banking sector. This credit risk tends to increase the chances of risk of Default, which likely happened in the financial crisis of 2008. Therefore, the main emphasis of the current research is to analyze the relationship between credit risk management and risk of Default in the UK's banking sector. For this, a secondary quantitative research method was used, and information was derived from five prominent banks in the UK, namely Lloyds Banking Group, HSBC Holdings, NatWest Group, Barclays and Investec

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Wardoyo, Dwi Urip, Emeralda Diva Vania, and Septiani Wahyuningrum. "THE APPLICATION OF RISK MANAGEMENT TO MINIMIZE THE RISK OF BAD DEBTS IN PT. BANK MANDIRI." Jurnal Kelola: Jurnal Ilmu Sosial 5, no. 1 (2022): 1–12. http://dx.doi.org/10.54783/jk.v4i2.487.

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The important sector in economic growth in Indonesia is the banking sector. The banking sector is a community fund collection institution. Until now the existence of the banking sector has increased, it also makes there an increase in risk. This increase is characterized by the increasing distribution of public funds to the banking sector. Due to the large amount of these funds, as for the regulations issued by Bank Indonesia regarding the implementation of risk management for commercial banks with Bank Indonesia Circular Letter No.7/3DPNP dated January 31, 2015. This research aims to find out

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Liu, Chenyu. "Credit Risk Management of Commercial Banks in China." BCP Business & Management 44 (April 27, 2023): 144–49. http://dx.doi.org/10.54691/bcpbm.v44i.4805.

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The banking sector has experienced significant growth since the reform and opening up and has also become aware of the transition from a single national banking system to the commercial banking system required by the market economy. However, the ability of China's commercial banks to develop further has been constrained by both internal and external forces. Due to the high non-performing assets and inadequate risk management in China's commercial banking sector, at the same time. It also hinders the development of the financial industry to some extent. Analyze the performance and factors that

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Oualid, Adil, Youssef Qasmaoui, Youssef Balouki, Bouzgarne Itri, and Lahcen Moumoun. "Advancing Credit Risk Management in Open Banking with Enhanced Federated Averaging Algorithm." Engineering, Technology & Applied Science Research 15, no. 3 (2025): 22573–79. https://doi.org/10.48084/etasr.10266.

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This paper addresses the pressing challenge of credit risk management in contemporary banking by integrating Federated Learning (FL) and Open Banking, employing an Enhanced Federated Averaging (FedEn) algorithm. Against Open Banking's transformative impact on financial services, the current research responds to the critical need for improved credit risk assessment in Non-Independently and Identically Distributed (Non- IID) data landscapes. The integration of FL and Open Banking is showcased by applying the Federated Averaging (FedAvg) algorithm, which offers a novel framework for credit risk m

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Kogeda, Okuthe Paul, and Nicknolt N. Vumane. "A Model Augmenting Credit Risk Management in the Banking Industry." International Journal of Technology Diffusion 8, no. 4 (2017): 47–65. http://dx.doi.org/10.4018/ijtd.2017100104.

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A lack of reliable credit risk measurements and poor control of credit risks has caused massive financial losses across a wide spectrum of business. Financial institutions like banks have not been able to control and contain the rapid increases of the credit defaulting. In this paper, we address the credit lending challenges by eliminating credit defaulting faced by the banking industry. Data from bank of previously accepted and rejected loan applicants was used to construct a credit risk evaluation network. The artificial neural network technique with back-propagation algorithm was applied to

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18

HORODETSKA, Tetiana, Kateryna ZAICHENKO, and Alla IVASHCHENKO. "Methodical approaches for reducing the credit risk." Economics. Finances. Law 11/1, no. - (2021): 16–20. http://dx.doi.org/10.37634/efp.2021.11(1).3.

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Banking is inevitably associated with risks. No matter what efforts the bank makes to minimize risks, they will always exist – the only question is to what extent. Lending operations are among the most profitable types of banking, but they are associated with a high level of risk. The instability of the economic situation in the country, the imperfection of the legal framework in this area necessitate a detailed study of the problems of minimizing credit risks. It should be noted that the choice of methods of credit risk management in the bank is quite relevant today. Credit risk management is

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Bilginci, Mehmet Resul, Gamze Ogcu Kaya, and Ali Turkyilmaz. "Decision Support System for Credit Risk Management." International Journal of Information Systems in the Service Sector 11, no. 2 (2019): 18–31. http://dx.doi.org/10.4018/ijisss.2019040102.

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Risk is an integrated part of the banking functions, which cannot be eliminated completely but it can be reduced by employing appropriate techniques. Credit processing is one of the core functions in the banking system, and its performance is closely related to management of the risks. The aim of this article is to develop a credit scorecard model which can be used as decision support system. A logistic regression with stepwise selection method is used to estimate the model parameters. The data that is used to construct the credit scorecard model is obtained from one of the pioneering banks in

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20

Koju, Laxmi, Ram Koju, and Shouyang Wang. "Does Banking Management Affect Credit Risk? Evidence from the Indian Banking System." International Journal of Financial Studies 6, no. 3 (2018): 67. http://dx.doi.org/10.3390/ijfs6030067.

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This study investigated the impact of banking management on credit risk using a sample of Indian commercial banks. The study employed dynamic panel estimations to evaluate the link between banking management variables and credit risk. The empirical results show that an increase in loan portion over total assets does not necessarily increase problem loans. The findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and strong income diversification policies lower the likelihood of default risk. The overall empirical results supp

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Ahmed Alhammadi, Mohamed Abdulraheem, Alberto Ibañez-Fernandez, and Arnaldo Vergara-Romero. "Credit scoring and risk management in islamic banking: the case of Al Etihad Credit Bureau." Revista Venezolana de Gerencia 29, no. 105 (2024): 111–24. http://dx.doi.org/10.52080/rvgluz.29.105.8.

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This current research aims to assess the performance of Al Etihad Credit Bureau (AECB) operating in the United Arab Emirates (U.A.E.) in reducing credit risk in the Islamic banking model. The research aims to clarify the effects of credit scores on credit risk management in Islamic banks and the extent of adopting Islamic banks of these ratings when evaluating the borrowers. The study was done based on a primary qualitative research method where six top managers from AECB and nine managers from UAE’s Islamic banks who are involved with credits within the bank were interviewed using a structure

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Mohamed, Abdulraheem Ahmed Alhammadi, Ibañez-Fernandez Alberto, and Vergara-Romero Arnaldo. "Credit scoring and risk management in islamic banking: the case of Al Etihad Credit Bureau." Revista Venezolana de Gerencia (RVG). Facultad de Ciencias Económicas y Sociales. Universidad del Zulia. 29, no. 105 (2024): 111–24. https://doi.org/10.52080/rvgluz.29.105.8.

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This current research aims to assess the performance of Al Etihad Credit Bureau (AECB) operating in the United Arab Emirates (U.A.E.) in reducing credit risk in the Islamic banking model. The research aims to clarify the effects of credit scores on credit risk management in Islamic banks and the extent of adopting Islamic banks of these ratings when evaluating the borrowers. The study was done based on a primary qualitative research method where six top managers from AECB and nine managers from UAE’s Islamic banks who are involved with credits within the bank were interviewed using a str

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Dragosavac, Miloš. "Credit risk management system in commercial banking." Ekonomski pogledi, no. 4 (2013): 41–58. http://dx.doi.org/10.5937/ekopog1304041d.

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Wang, Qiulin, and Lei Fu. "FinTech, risk management and banking green credit." Finance Research Letters 83 (October 2025): 107686. https://doi.org/10.1016/j.frl.2025.107686.

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Rizal S, Muh, Muhammad Luthfi Siraj, Syarifuddin Syarifuddin, Andi Caezar To Tadampali, Henni Zainal, and Ramlan Mahmud. "Understanding Financial Risk Dynamics: Systematic Literature Review inquiry into Credit, Market, and Operational Risks." Atestasi : Jurnal Ilmiah Akuntansi 7, no. 2 (2024): 1186–213. http://dx.doi.org/10.57178/atestasi.v7i2.927.

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This research delves into the intricate dynamics of financial risks—specifically credit, market, and operational risks—within the banking, investment, and corporate sectors, with a focus on both global and Indonesian contexts. By examining the key factors contributing to credit risk, the impact of global market volatility on financial stability, and the operational risks associated with the digital transformation of the financial sector, the study seeks to offer a comprehensive analysis that is both theoretically robust and practically relevant. This research employs a qualitative systematic l

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Kozaeva, Olga T., Taira E. Kulumbekova, and Ekaterina I. Kadzaeva. "RISK MANAGEMENT OF A COMMERCIAL BANK." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/3, no. 132 (2022): 72–78. http://dx.doi.org/10.36871/ek.up.p.r.2022.12.03.010.

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The article considers the risks that arise in commercial banks, such as credit and financial ones. The purpose of this article is a detailed study of banking risks and the proposal of measures to minimize and eliminate them. Risk is an indispensable condition of financial activity. In the activities of commercial banks, the problems of credit risks, the state of overdue debts and the level of repayment of loans, the liquidity and solvency of borrowers, the balance of resources and liquidity are exacerbated. For the successful operation of credit institutions, it is important to eliminate risks

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Anwulika Ogechukwu Scott, Prisca Amajuoyi, and Kudirat Bukola Adeusi. "Effective credit risk mitigation strategies: Solutions for reducing exposure in financial institutions." Magna Scientia Advanced Research and Reviews 12, no. 1 (2024): 198–211. http://dx.doi.org/10.30574/msarr.2024.11.1.0084.

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Credit risk remains a critical concern for financial institutions, especially in the context of economic uncertainties and volatile market conditions. This paper examines the importance of credit risk mitigation strategies and presents solutions for reducing exposure in financial institutions. The research focuses on various strategies employed by banks and other financial institutions to manage credit risk effectively. The paper begins with an overview of credit risk and its significance in the banking industry. It discusses the various types of credit risk faced by financial institutions, in

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Корнилова, О. А. "Credit risk management: solutions of the main tasks." Экономика и предпринимательство, no. 8(121) (July 26, 2020): 1035–38. http://dx.doi.org/10.34925/eip.2020.121.8.206.

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В работе описан опыт организации процесса управления кредитным риском коммерческого банка в соответствии с международной практикой и рекомендациями Базельского комитета по банковскому надзору; рассмотрены основные правила и процедуры; приведен алгоритм измерения уровня кредитного риска с использованием балльно-весового метода; даны рекомендации по ограничению и минимизации кредитного риска. Предлагаемые методы управления кредитным риском могут быть широко использованы в банковской деятельности. The paper describes the experience of the process of credit risk management of commercial Bank in ac

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Ogunwale, Olurotimi, and Isibor Areghan. "Impact of Credit Risk Management on the Performance of Nigerian Deposit Money Banks: An Analysis from 2010 to 2020." Asian Journal of Advanced Research and Reports 18, no. 10 (2024): 28–41. http://dx.doi.org/10.9734/ajarr/2024/v18i10752.

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This study examined the impact of credit risk management on the financial performance of Nigerian deposit money banks over a 10-year period from 2010 to 2020. Understanding the relationship between credit risk management and bank performance is crucial for the stability and growth of the Nigerian banking sector. The Five deposit money banks used were First Bank Plc, Zenith Bank Plc, Access Bank Plc, Guarantee Trust Bank Plc, with United Bank of Africa (UBA) Plc. Equity returns measured bank performance while credit risk was explained using non-performing credits, capital adequacy ratio, plus p

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Hasan, Nida Nadya, Fatiah Rahmadini, and Dariyah Dariyah. "Application of Enterprise Risk Management to Banking Risk." MIZANIA: Jurnal Ekonomi Dan Akuntansi 1, no. 2 (2021): 67–84. http://dx.doi.org/10.47776/mizania.v1i2.245.

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Abstract  The implementation of Enterprise Risk Management (ERM) proactively determines the appropriate type and level of risk to achieve the organization's strategic objectives and assists management in understanding and managing all company business risks using an integrated structure and coordinated management. Although risks cannot be completely avoided or eliminated, they can be managed and minimized with an integrated risk management system. The purpose of this study is to prove whether the application of ERM can minimize credit risk, interest rate risk, and liquidity risk in

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Rahma Dewi, Wulan. "Management of Risk Management on Banking Financial Performance." Jurnal Keuangan dan Perbankan (KEBAN) 1, no. 1 (2021): 52–64. http://dx.doi.org/10.30656/jkk.v1i1.3999.

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Risk management is very important for companies. The purpose of this study is to examine and analyze the impact of credit risk, market risk, operating efficiency, capital, and liquidity on bank financial performance. This research uses a quantitative research design. The data used in this study is based on private banks listed on the Indonesia Stock Exchange (IDX) for the next three years. The type of data is secondary data. Technical analysis using multiple linear regression. The results show that market risk and operating efficiency have a significant effect on the financial performance of t

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Tchernykh, S. "Risk Management in Banks." Voprosy Ekonomiki, no. 8 (August 20, 2004): 120–27. http://dx.doi.org/10.32609/0042-8736-2004-8-120-127.

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Problems of managing risks of partnership in banks taking into account the new Central Bank of Russia document "On Organization of Internal Control in Credit Organizations and Bank Groups" are considered in the article. It is pointed out that effective bank risk management including risks of partnership сan be realized only under condition of bona fide competition. Functioning of banks in competitive environment is impossible without risks, their monitoring allows to become competitive on the banking services market if various "black lists" and other unsound negative information leading to low

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Mamadiyarov, Zokir, and O‘tkirjon Tajimatov. "INSURANCE OF COMMERCIAL BANKS' CREDIT FACILITIES AND CREDIT RISK MANAGEMENT." European Journal of Artificial Intelligence and Digital Economy 1, no. 9 (2024): 79–85. https://doi.org/10.61796/jaide.v1i9.956.

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The practice of insurance of credit facilities of commercial banks is an important means of credit risk management in banking activities. Through insurance, banks can protect their loan portfolio from risks and reduce losses related to customers who face default or other debt situations. Development of diversified insurance products, automation of processes by introduction of technological solutions and use of international experiences are considered important for improvement of insurance practice. These approaches are of great importance in reducing credit risks and making banks more efficien

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Handajani, Lilik, Akram Akram, and Ayudia Sokarina. "CREDIT RISK DETERMINANTS OF COMMERCIAL BANKING." Jurnal Aplikasi Akuntansi 8, no. 2 (2024): 468–81. http://dx.doi.org/10.29303/jaa.v8i2.347.

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Studies on non-performing loans in banking provide mixed results regarding the bank-specific factors that influence them. This research aims to analyze the determinants of credit risk in commercial banking in Indonesia. Testing was conducted on 32 banking companies listed on the Indonesia Stock Exchange for 2019-2021 with 96 observations using panel data regression. The research results show that increasing bank diversification and external audit quality significantly reduce the risk of credit non-performing loans (NPL). Other findings of this research show that credit growth, operational effi

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Yuniarso, Yudi Budi, and Wening Estiningsih. "Analysis Of The Factors Causing The Non-Dance Credit At PT Hemas Parama." International Journal of Informatics, Economics, Management and Science 2, no. 2 (2023): 112. http://dx.doi.org/10.52362/ijiems.v2i2.1198.

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The problem of bad credit is a serious issue in the banking industry that can have a significant impact on the financial health of a company. This study aims to analyze the factors that cause bad credit at PT. Hemas Parama. Literature review was conducted to understand the concept of bad credit, risk management theory, and the factors that cause bad credit that are generally identified in the banking industry. Through a review of the literature, factors such as economic factors, ineffective risk management, changes in customer conditions, and internal company factors have been identified as co

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Shubenko, Inna A. "Unity of Credit Risk as Creditor’s Risk and Borrower’s Risk: The Past and the Approach of Present-Day." Business Inform 1, no. 540 (2023): 151–59. http://dx.doi.org/10.32983/2222-4459-2023-1-151-159.

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The main suppliers of credit resources to the today’s market are commercial banks, which for a long time act as the main creditors of both legal entities and individuals. The formation of credit relations occurs in the external environment, which can give rise to completely new risks that the developed credit market has not previously faced. The purpose of the study is to complement the essence of credit risk and consider it not only from the standpoint of the lender, but also the borrower, as well as outline methods for managing it. The main research methods in this publication are methods of

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Apochi, James George, and Asma’u Mahmood Baffa. "Credit Risk and Financial Performance of Deposit Money Banks in Nigeria: Moderating Role of Risk Management Committee." European Journal of Accounting, Auditing and Finance Research 10, no. 10 (2022): 98–115. http://dx.doi.org/10.37745/ejaafr.2013/vol10n1098115.

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The global financial crisis of 2008 and the economic dislocation that followed the emergence of COVID 19 adversely affected financial institutions leading to debt crisis in the Nigerian banking sector. Despite the risk management framework within the banking sector, credit still remains a crucial factor in comparison to other driving factors in the bank, due to its attendant risk and the effect on the economy. This study examined the risk management committee’s role on the effect of credit risk on financial performance of 13 deposit money banks in Nigeria from 2012 to 2021. Finance distress th

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Ijuwo, Amity Agi. "Non-Performing Loans and Credit Risk Management in Listed Deposit Money Banks in Nigeria." International Journal of Research and Innovation in Social Science VIII, no. VII (2024): 427–43. http://dx.doi.org/10.47772/ijriss.2024.807036.

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The study investigates the effect of non-performing loans (NPLs) on credit risk management in listed deposit money banks in Nigeria, focusing on three banks: First Bank Nig Plc, Zenith Bank Plc, and First City Monument Bank Plc within the period of 2008 to 2022. The method of data analysis is the panel cointegrating method using fully modified ordinary least square regression analysis. The results show that the non-performing loan to deposit ratio (NPTDR) significantly impacts credit risk management, with a coefficient of -6.499415, a t-statistic of -3.208157, and a probability value of 0.0000

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Pavlenko, Liudmyla D., Olena V. Krukhmal, and Kristina E. Popova. "The Theoretical Aspects of Credit Risk Assessment and Management in Banks Amid Economic Instability." Business Inform 4, no. 567 (2025): 411–22. https://doi.org/10.32983/2222-4459-2025-4-411-422.

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The article summarizes the main approaches to defining the essence, assessment and management of credit risks of a bank. Based on the analysis of domestic and foreign publications, the authors propose to define credit risk as the probability that a borrower (individual or legal entity) will not fulfill its obligations to the bank in full and on time in accordance with the signed loan agreement. Clustering of scientific research on the bank's credit risk was carried out. According to the clustering results, the bulk of scientific papers are focused on the following areas: the relationship of cr

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Elizah, Pierce Kylo. "How Credit Risk Management in Australia Can Affect Financial Institutions Growth: A Study." International Journal for Global Academic & Scientific Research 2, no. 3 (2023): 52–60. http://dx.doi.org/10.55938/ijgasr.v2i3.55.

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Ineffective credit risk management methods were largely responsible for the collapse, as well as financial problems, of many financial institutions. This particular research is designed to evaluate how insufficient credit risk management brought about the banking crisis of Australia in 2003/2004 determine other contributing factors. It found that inability to effectively manage credit risk was the most important element in the crisis, leading to ineffective management, insufficient risk control, poorly designed strategies for business expanding, persistent liquidity issues, external currency d

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Shen, Junchao, and Jiayan Chen. "Application of KMV Model in Credit Risk Management in Banking Industry." Journal of Theory and Practice of Management Science 4, no. 05 (2024): 1–12. http://dx.doi.org/10.53469/jtpms.2024.04(05).01.

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As an important part of the national financial system, the banking industry bears important responsibilities for the national economy. In addition, the banking industry is considered an area full of high risks. The risk management of banks not only involves the national finance, economy and national security, but also directly affects the national financial system and the stability of the global financial order. Credit risk has always been one of the risks that domestic and foreign banking banks pay special attention to. Effectively identifying and preventing credit risk is the key to ensure t

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Mirjafari, Ehsan, Mohamad Hooshmand Nejad, and Mohsen Amiri. "Credit Risk Management in Banking and its Implementation in Iran." Advanced Materials Research 433-440 (January 2012): 1561–68. http://dx.doi.org/10.4028/www.scientific.net/amr.433-440.1561.

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The main task in the system of banking in Iran is equipping the resources and allotting them as bank subsidies (facilities) to the customers. In this system most of the bank’s assets belong to depositors i.e. bank hold people’s properties and lends them to customers. To make decision about lending, an overall study should be made to minimize loan risks especially the credit risk, which is the main risk. An important question to be asked here is: “is there any meaningful relationship between credit risk indices and customers’ commitments? To answer this question we first determine the credit ri

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Sunaryo, Deni. "THE EFFECT OF CREDIT RISK MANAGEMENT, MARKET RISK, LIQUIDITY RISK ON THE FINANCIAL PERFORMANCE OF STATE-OWNED BUSINESS ENTITIES." Brilliant International Journal Of Management And Tourism 2, no. 2 (2022): 143–54. http://dx.doi.org/10.55606/bijmt.v2i2.435.

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This study aims to determine the effect of credit risk management, market risk and liquidity risk on the financial performance of banks listed on the IDX. The population in this study are state-owned banking companies until 2021 with an observation period of 8 years (2014-2021). Thus the total population is 32 (4 banking x 8 years). The analytical methods used in this research are descriptive statistical analysis, multiple linear analysis, and hypothesis testing. The data processing process uses the SPSS version 20 program. Based on the results of the study, it can be concluded that there is a

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Naobetova, Ziyada Niyet kizi. "RISK MANAGEMENT IN UZBEKISTAN'S COMMERCIAL BANKS." Journal of International science networks 1, no. 3 (2024): 117–21. https://doi.org/10.5281/zenodo.14292509.

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<em>This article explores the importance of risk management in Uzbekistan’s banking sector amid ongoing economic reforms. It addresses key risks such as credit, market, and operational risks that arise from increased credit demand, foreign investments, and digital transformation. The piece highlights the role of Basel III standards in enhancing capital adequacy and liquidity management. It also emphasizes the need for integrated risk monitoring platforms and the use of AI-driven systems to mitigate operational and cybersecurity risks. By adopting global best practices and adapting to loc

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Perrotta, Adamaria, Andrea Monaco, and Georgios Bliatsios. "Data Analytics for Credit Risk Models in Retail Banking: a new era for the banking system." Risk Management Magazine 18, no. 3 (2023): 36–53. http://dx.doi.org/10.47473/2020rmm0132.

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Given the nature of the lending industry and its importance for global economic stability, financial institutions have always been keen on estimating the risk profile of their clients. For this reason, in the last few years several sophisticated techniques for modelling credit risk have been developed and implemented. After the financial crisis of 2007-2008, credit risk management has been further expanded and has acquired significant regulatory importance. Specifically, Basel II and III Accords have strengthened the conditions that banks must fulfil to develop their own internal models for es

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Sandeep, Yadav. "The Role of AI & ML in Transforming Credit Risk Management in Banking." INTERNATIONAL JOURNAL OF INNOVATIVE RESEARCH AND CREATIVE TECHNOLOGY 6, no. 1 (2020): 1–9. https://doi.org/10.5281/zenodo.14250584.

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Credit risk management is a cornerstone of the banking industry, where precise assessment and proactive mitigation of credit risk are essential to maintain financial stability and regulatory compliance. In recent years, Artificial Intelligence (AI) and Machine Learning (ML) have revolutionized this field, providing advanced methods for evaluating, predicting, and managing credit risk more accurately and efficiently. This paper examines the transformative role of AI and ML in credit risk management, detailing how these technologies enhance traditional risk assessment models and support real-tim

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Demirović, Lejla, Ševala Isaković-Kaplan, and Mahir Proho. "Analysis of special credit risk in the function of real financial reporting." Journal of Forensic Accounting Profession 3, no. 1 (2023): 76–99. http://dx.doi.org/10.2478/jfap-2023-0004.

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Abstract Banks and banking business are exposed to the influence of numerous risks, of which the importance of credit risk management stands out, because credit risk is the only risk that banks are obliged to measure, record in accounting and report. Banks monitor credit risk through the segmentation of the credit portfolio according to the level of risk. This paper is focused on research related to the management of the riskiest category of the credit portfolio, for which we will use the term special credit risk (SCR) in this paper.

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Damayanthi, I. Gst Ayu Eka, Ni Luh Putu Wiagustini, I. Wayan Suartana, and Henny Rahyuda. "Strategies to reduce credit risk and liquidity risk to increase bank profitability." Uncertain Supply Chain Management 11, no. 4 (2023): 1759–68. http://dx.doi.org/10.5267/j.uscm.2023.6.015.

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The purpose of this study is to examine the effect of credit risk and liquidity risk on profitability with loan restructuring and income diversification as moderating variables. The research population is all general banking companies, which were listed on the Indonesia Stock Exchange (IDX) during the period 2018-2021. The research sample was created using the purposive sampling technique and 160 observations were obtained. This study conducts panel data regression analysis using EViews 12 software. The results of this study indicate that an increase in credit risk reduces profitability, liqui

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Hrytsenko, Larysa, Liudmyla Pavlenko, Iryna Kozhushko, and Onur Erişen. "COMPREHENSIVE CREDIT RISK ASSESSMENT OF UKRAINIAN BANKS." Socio-economic relations in the digital society 2, no. 56 (2025): 20–33. https://doi.org/10.55643/ser.2.56.2025.605.

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Credit risk is an integral element of banking activities, the identification and effective management of which is essential in today’s environment. The financial stability of both individual banks and the banking sector as a whole depends on the feasibility and effectiveness of risk management. The purpose of the study is to systematise the approaches approved at the state level to assessing the credit risk of banks, analyse the current state of the loan portfolio of the Ukrainian banking sector, and identify the most promising methods of optimising potential risks to its quality.The study exa

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Sharma, Hemlata, Aparna Andhalkar, Oluwaseun Ajao, and Bayode Ogunleye. "Analysing the Influence of Macroeconomic Factors on Credit Risk in the UK Banking Sector." Analytics 3, no. 1 (2024): 63–83. http://dx.doi.org/10.3390/analytics3010005.

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Macroeconomic factors have a critical impact on banking credit risk, which cannot be directly controlled by banks, and therefore, there is a need for an early credit risk warning system based on the macroeconomy. By comparing different predictive models (traditional statistical and machine learning algorithms), this study aims to examine the macroeconomic determinants’ impact on the UK banking credit risk and assess the most accurate credit risk estimate using predictive analytics. This study found that the variance-based multi-split decision tree algorithm is the most precise predictive model

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