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Credit risk management practices in the banking sector in ethiopia

Author: 
Dr. Sk. Shahida Saheb and Dr. CH. Venkata Krishna Reddy
Subject Area: 
Social Sciences and Humanities
Abstract: 

The researcher starts this study to find a solution on the country’s banking industry credit risk management. The researcher evaluates this banks credit risk management practice by the credit risk management principles Basel committee on bank supervision. Because if the banks can manage their credit risk the availability of finance will be better and initiate the investors to invest more. The researcher tailored the methodology well framed and persistent to the objective. Normative natured comparative study was conducted targeting two specific banks, with a mixed approach. data was planned to be from primary and secondary sources by wise use of purposive sampling. To find better practice that suit the country’s economy and market the author compare two banks and identified their good practices and their gaps, and tip them with best practice of Central bank of Malaysia. The researcher learns there is even lesson to learn from one bank to other more than going outside to get best practices. And it seems NBE is playing a crucial role on providing directives and supervising their performance. The increase and volatility of NPL indicates there is lack of skill and knowledge in the banks to shape their strategy. And the increase in NPL exposes the bank to deterioration of their profit because NBE obliged them to hold provision by different percent in each classification of NPL. The banks are better to evaluate the payback culture and ability of borrowers rather than relying on collateral. The researcher recommend the banks to tailored their policy, strategy, procedure and manual according to their banks complexity.

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