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Banking Strategy, Credit Appraisal, and Lending Decisions – A Risk–Return Framework - Oxford Scholarship Online
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Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk–Return Framework

Hrishikes Bhattacharya


Banks and financial institutions are faced with two apparently conflicting phenomena — interest rate deregulation on the one hand and capital adequacy requirements and prudential norms on the other. In such a situation, these institutions need to work out a strategic framework which must evolve around the profit objective so as to build up quality loan-assets portfolios and to ensure adequate capital growth. This book provides a comprehensive analysis of lending strategies, credit appraisal, risk analysis, and lending decisions within the overall objectives of a lending organization. This revi ... More

Keywords: banks, financial institutions, capital regulation, asset-liabilities strategy, lending strategies, credit appraisal, risk analysis, liquidity protection, portfolio approach, credit exposure, loan management

Bibliographic Information

Print publication date: 2011 Print ISBN-13: 9780198074106
Published to Oxford Scholarship Online: September 2012 DOI:10.1093/acprof:oso/9780198074106.001.0001


Affiliations are at time of print publication.

Hrishikes Bhattacharya, author
Formerly Indian Institute of Management, Calcutta