Monisha Jannat - Academia.edu (original) (raw)
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In recent situation of banking sector in bangladesh, when both state- owned and private banks are... more In recent situation of banking sector in bangladesh, when both state- owned and private banks are facing large capital deficit it becomes important to study about their method of risk identification and mitigation.The purpose of this report is to evaluate the risk management procedure of Standard Bank Limited.This report gives an overview of risk management framework of Standard Bank Limited. The risk management procedure of Standard Bank Limited has been analyzed on the basis of Bangladesh Bank’s guidelines. Standard bank limited fulfills every requirement of risk management as per Bangladesh bank guidelines. Ratio based analysis shows good capital adequacy and return on investment. Credit risk is increasing as non-performing loan is 8.29% out of total loan & advances. Foreign exchange risk is also increased by 23.89 million that is six times higher than last year. Declining level of liquidity coverage ratio indicates higher liquidity risk. This report shows that the Standard Bank limited is doing well according to Bangladesh bank guidelines. But the bank should pay more attention to the increasing capital requirement for risk.
In recent situation of banking sector in bangladesh, when both state- owned and private banks are... more In recent situation of banking sector in bangladesh, when both state- owned and private banks are facing large capital deficit it becomes important to study about their method of risk identification and mitigation.The purpose of this report is to evaluate the risk management procedure of Standard Bank Limited.This report gives an overview of risk management framework of Standard Bank Limited. The risk management procedure of Standard Bank Limited has been analyzed on the basis of Bangladesh Bank’s guidelines. Standard bank limited fulfills every requirement of risk management as per Bangladesh bank guidelines. Ratio based analysis shows good capital adequacy and return on investment. Credit risk is increasing as non-performing loan is 8.29% out of total loan & advances. Foreign exchange risk is also increased by 23.89 million that is six times higher than last year. Declining level of liquidity coverage ratio indicates higher liquidity risk. This report shows that the Standard Bank limited is doing well according to Bangladesh bank guidelines. But the bank should pay more attention to the increasing capital requirement for risk.