毕博上海银行咨询SIME BANK CREDIT RISK .docVIP

正在输入（豆丁网@laoshutou）为您倾心整理（下载后双击删除） 如有需求请发豆丁站内信，正在输入QQ@随时为您服务（双击删除）。 正在输入（豆丁网@laoshutou）为您倾心整理（下载后双击删除） 如有需求请发豆丁站内信，正在输入QQ@随时为您服务（双击删除）。 Sime Bank Berhad Credit Risk Review 9 October 1997 This report contains NUMPAGES \* Arabic \* MERGEFORMAT 59 pages FILENAME \* MERGEFORMAT Sime97-CRRpt1JS1009-RR.Doc DRAFT 正在输入（豆丁网@laoshutou）为您倾心整理（下载后双击删除） 如有需求请发豆丁站内信，正在输入QQ@随时为您服务（双击删除）。 Contents TOC \o 1-1 1 Executive summary GOTOBUTTON _Toc PAGEREF _Toc 1 2 Introduction GOTOBUTTON _Toc PAGEREF _Toc 5 3 Credit risk management framework GOTOBUTTON _Toc PAGEREF _Toc 8 4 Benchmarking GOTOBUTTON _Toc PAGEREF _Toc 27 5 Action plans GOTOBUTTON _Toc PAGEREF _Toc 35 如有需求请发豆丁站内信，正在输入QQ@随时为您服务（双击删除）。 Executive summary Sime Bank has experienced significant change in recent years. Strong Malaysian economic growth throughout the 1990s provided abundant lending opportunities and historically low levels of non performing loans. In fact, until Sime Darby’s acquisition in 1996, growth was constrained by capital availability. The removal of this constraint coupled with the CEO’s relationship development has resulted in significant acceleration of growth over the past 18 months. Successive changes in ownership prior to Sime Darby’s purchase resulted in a lack of emphasis on credit risk management methods and skills. Our work leads us to conclude that Sime Bank has an urgent need to redress significant shortcomings in its credit risk management capability. Recent financial market volatility, coupled with changes to the competitive environment (whereby corporate customers have begun to focus more on pricing) reinforce the need for skills, systems and organisational development. We have observed that banks with first class credit risk management systems excel in three broad areas; analytics, information technology and business processes. Thus, modern risk management stands on three legs: analytics, information technology, and business processes (see illustration below). Si