2024-03-29T07:51:10Z
https://meral.edu.mm/oai
oai:meral.edu.mm:recid/1385
2021-12-13T01:10:46Z
1582963436320:1582965701379
user-yueco
COMPLIANCE OF BASEL CREDIT RISK MANAGEMENT PRINCIPLES IN UAB BANK LIMITED
Zin Mi Chit Po (MBF - 88)
This thesis intends to identify credit risk management of UAB and analyses the
compliance status of Basel credit risk management principles in UAB. To explore these
objectives, the descriptive method is used, and secondary data are collected from Central Bank of
Myanmar, Internet website, Library and UAB annual report. Regarding of objectives, it found
that credit risk management in UAB is very effective and comply with Basel credit risk
management principles. Appropriate credit risk environment is established as per Basel credit risk
management principle topic no.1. Policies and procedures are clearly defined, ceiling of loan
segments is set, and loans spread to different industries, different business segments and different
geographical areas. Procedure for granting new loans and renew loans are in place and delegation
of lending authority is given to different authority levels. Credit recovery and follow up
procedures are in place and NPL is well controlled. UAB adopts 3-Tier ratings system and it
found very effective in controlling NPL. Appropriate credit administration, measurement and
monitoring process are maintained. However UAB needs to practice more international Credit
risk assessment methods such as moving to latest Basel Guidelines on credit risk capital,
provision requirements, insist for more documentary evidences on financial status of the
borrowers to assess real financial strength of the borrower to reduce collateral requirements,
introduce more loan products suitable for various industries, ensure proper usage of funds
disbursed to borrowers, more stringent follow up methods etc.
2019-12
http://hdl.handle.net/20.500.12678/0000001385
https://meral.edu.mm/records/1385