group 3 risk management mis n.
Download
Skip this Video
Loading SlideShow in 5 Seconds..
Group 3:Risk Management & MIS PowerPoint Presentation
Download Presentation
Group 3:Risk Management & MIS

Loading in 2 Seconds...

play fullscreen
1 / 9

Group 3:Risk Management & MIS - PowerPoint PPT Presentation


  • 111 Views
  • Uploaded on

Group 3:Risk Management & MIS. Chair: Mr. Safar Ali Lakhani President Soneri Bank Limited. Recommendation 1. Set up SME as dedicated BU within Bank: Industry sector know-how Subsegmentation & coverage model Know-your-customer (relationship based model)

loader
I am the owner, or an agent authorized to act on behalf of the owner, of the copyrighted work described.
capcha
Download Presentation

PowerPoint Slideshow about 'Group 3:Risk Management & MIS' - peigi


An Image/Link below is provided (as is) to download presentation

Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


- - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - -
Presentation Transcript
group 3 risk management mis

Group 3:Risk Management & MIS

Chair:

Mr. Safar Ali Lakhani

President Soneri Bank Limited

recommendation 1
Recommendation 1
  • Set up SME as dedicated BU within Bank:
    • Industry sector know-how
    • Subsegmentation & coverage model
    • Know-your-customer (relationship based model)
    • Mindset shift in Risk Management (portfolio based management with predefined triggers)
recommendation 2
Recommendation 2

Start with limited exposures

  • Set up limit for starters at maximum consumer finance (e.g. PKR 500K)
  • Encourage job creation
recommendation 3
Recommendation 3

Keep it simple and short:

  • New customers have limited data
  • Customer self assessment to be used (sales figure)
  • Develop matrix of Years in Business and Years with Bank and provide financing as % of sales
recommendation 4
Recommendation 4

Verification of loan utilisation:

  • direct payment from Bank to Vendor for larger amounts, if possible
recommendation 5
Recommendation 5
  • Invest in IT to track and monitor large number of accounts and its performance
recommendation 6
Recommendation 6
  • Risk Mitigation
    • Expand eligible collateral
    • Cash-flow analysis
    • Credit insurance
    • Personal and/or 3rd party guarantees
    • Risk based pricing
recommendation 7
Recommendation 7
  • Develop MIS (centralised):
    • Actuals
    • Trends
    • Stress Testing
    • Risk Triggers (predefined)
    • Collections incl. Time buckets and action plans
recommendation 8
Recommendation 8

Strengthening of Credit Bureaus:

  • Positive data
  • Credit history
  • Expanding role of private Credit Bureau (incl. Rating agencies)