Risk of State bank Of India

Hii Guys , I want to Know Information about Credit Risk Management of State Bank of India , Would you please Provide me Same Details ?

[Shaleen]

The Risk Management Architecture of the Bank Comprises an Independent Risk Management Organizational Structure

Risk Management Policies, Risk Measurement Tools and Risk Monitoring and Management Systems.


Union Bank Has a well Designed and Robust Risk Management Framework in Place,

The Risk Management Function Partners with the Business functions to ensure that capital is used efficiently while driving value, with an appropriate trade off between risk and returns.


The Credit Risk Mechanism Consists of Policies and Practices that Ensure Credit risk is measured, and monitored at account level and portfolio level.

The Credit Risk Management policy along with Real Estate Lending Policy and Collateral Management Policy address the Credit Risk related to lending.

Credit Approving Authority, Prudential Exposure Limits, Risk Rating System, Risk Based Pricing, Portfolio Management are the various instruments for Management of Credit Risk.