He also emphasized on the need for sophisticated credit scoring models for

He also emphasized on the need for sophisticated

This preview shows page 3 - 7 out of 86 pages.

level. He also emphasized on the need for sophisticated credit-scoring models for measuring thecredit risks of commercial and industrial portfolios. Emphasizing on a need for an effective control system to manage risks, he said that theimplementation of BASEL II norms by commercial banks should not be delayed. He said that thebanks should have a robust stress testing process for assessment of capital adequacy in wake ofeconomic downturns, industrial downturns, market risk events and sudden shifts in liquidityconditions. Stress tests should enable the banks to assess risks more accurately and facilitateplanning for appropriate capital requirements. Sharma spoke at length about the need to extend the framework of integrated risk management togroup-wide level, especially among financial conglomerates. He said that RBI has already put inplace a framework for oversight of financial conglomerates, along with SEBI and IRDA. He alsosaid that at the systematic level efforts are being made to create an enabling environment for allmarket participants in terms of regulation, infrastructure and instruments.3
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NEED OF THE STUDY:The need of the study is to concentrates on the growth and performance of INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA (ICICI) and to calculate the growth and performance by using asset and liability management and to know the management of nonperforming assets.To know financial position of INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA (ICICI)To analyze existing situation of INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA (ICICI)To improve the performance of INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA (ICICI)To analyze competition between INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA (ICICI) with other cooperatives.4
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OBJECTIVES OF THE STUDYoTo study the concept of ASSET & LIABLITY MANAGEMENTinINDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA(ICICI)oTo study process of CASH INFLOWS and OUTFLOWS in INDUSTRIALCREDIT AND INVESTMENT CORPORATION OF INDIA (ICICI)oTo study RISK MANAGEMENT under INDUSTRIAL CREDIT ANDINVESTMENT CORPORATION OF INDIA (ICICI)oTo study RESERVES CYCLE of ALM under INDUSTRIAL CREDIT ANDINVESTMENT CORPORATION OF INDIA (ICICI)oTo study FUNCTIONS AND OBJECTIVES of INDUSTRIAL CREDIT ANDINVESTMENT CORPORATION OF INDIA (ICICI) committee.5
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METHODOLOGY OF THE STUDYThe study of ALM Management is based on two factors.1.Primary data collection.2. Secondary data collectionPRIMARY DATA COLLECTION:The sources of primary data were The chief manager – ALMcellDepartment Sr. manager financing & AccountingSystem manager- ALM cellGathering the information from other managers and other officials of the organization.
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  • Summer '17
  • javed
  • ICICI Bank, Reserve Bank of India

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