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  1. Yangon University of Economics
  1. Yangon University of Economics
  2. Master of Banking and Finance (MBF/EMBF)

CREDIT RISK MANAGEMENT OF YAMA BANK (Zaw Naung Htun, 2019)

http://hdl.handle.net/20.500.12678/0000001071
http://hdl.handle.net/20.500.12678/0000001071
1c6f0e8a-568d-432f-9f0c-271842697e96
75e6d88b-73aa-4c02-a401-e1224b396618
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Title
Title CREDIT RISK MANAGEMENT OF YAMA BANK (Zaw Naung Htun, 2019)
Language en
Publication date 2019-12-01
Authors
Zaw Naing Htun
Description
This thesis aims to identify credit risk management of Yoma bank and analyze the control of Non-Performance Loan (NPL) in Yoma bank. To explore these objectives, the descriptive method is used and only secondary data are collected from Central Bank of Myanmar, internet website and library. Regarding of first objective, it found that credit risk management is very effective in control of NPL. The key finding factors of the study about NPL control in Yoma bank are policies and procedures are clearly defined in credit ratings of borrower in 2019, loans spread to different types of loan are mostly increased than policy identification of loan amounts by Yoma bank. It means that when customers rating are getting high they will give less collateral amount. And then, Yoma bank can choose the loan customers effectively and eligible loan amount also can decide easily. As a sampling method, the convenient sampling was credit card user in study. In this study, 70 managers from 3 branches and heard office of Yoma bank. Yoma bank credit rating system can be used effectively to decide requirements of suitable collateral amount.The concerning about analyzing the control of NPL in Yoma bank total amount of NPL increasing percentage is smaller than compare with total amount of loan increasing. Yoma bank has to need more uses of international credit risk assessment methods such as moving to lastet basle guidelines on credit risk capital, provision, requirements, insist for more documentary evidences on financial status of 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.
Journal articles
Yangon University of Economics
Thesis/dissertations
Yangon University of Economics
Dr. Phyo
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