Retail Assets in Banks has grown due to the trend among banks to grow at a much faster space. Unlike the commercial exposures banks manage retail assets on pooled basis. In this paper, we discuss the methodology of creating pools of revolving retail assets. We compare the capital charges...

With the increasing competition, decreasing customer loyalty and plethora of banking products, it has become essential in today’s sluggish economy for banks to accurately position themselves. This paper presents a credit marketing model using an advanced data mining for acquisition...

Mr. Ramesh a customer of HDFC Bank read in the newspaper The Times of India on 2nd August 2017 about the repo rate was reduced by the Reserve bank of India, from 625 Basis Points (BP) to 600 basis Points (BP). The newspaper on 2nd August 2017 also mentioned that all banks were expected to follow...

The growing relative size and increased volatility of retail portfolios areattracting increased attention from banks' risk managers and regulators.The correlation due to the defaults of retail assets over time has been ofconsiderable interest to retail bankers. Default correlation is...