{ "item_title" : "Credit Risk Management Of Banks In India", "item_author" : [" Aruna Purushottam Deshpande", "Dhananjay Mandlik "], "item_description" : "This book explains why credit risk management sits at the heart of banking stability. It shows how banks identify, assess, and control the risk of borrower default. Loans, bonds, and credit exposures form the core focus. The discussion highlights how financial crises and complex global markets have made risk control more critical than ever. Banks must protect solvency while sustaining profitability.The book explains the role of the Basel Accords in shaping modern credit risk practices. Basel II and Basel III introduce structured methods to measure risk and determine capital adequacy. Credit risk weights emerge as a key tool for linking asset risk with capital requirements. Alongside global standards, national regulation is equally important. In India, the Reserve Bank of India aligns Basel norms with local market realities, ensuring discipline and stability.Internal rating systems receive special attention. These systems assess borrower creditworthiness using financial strength, past performance, economic trends, and regulatory conditions. The book emphasizes balancing risk and return through strong models, portfolio diversification, and continuous monitoring.", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/6/20/949/084/6209490840_b.jpg", "price_data" : { "retail_price" : "112.40", "online_price" : "112.40", "our_price" : "112.40", "club_price" : "112.40", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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