Comptroller's Handbook: Retail Lending | OCCSome in trust payable on demand. Through the performance of this role, Banks act as reservoir for surplus funds and thus lend safe portion of these funds to clients that have genuine needs for them. The banks have special responsibility to ensure effective management of these funds kept in trust with them by depositors. Lending activities are prominent at all levels of our economy, which gave rise to loan management and credit administration. This credit analysis, documentation, disbursements and monitoring of loan to ensure repayment of both principal and interests on due dates becomes pertinent.
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Using a framework of volatile markets Emerging Market Bank Lending and Credit Risk Control covers the theoretical and practical foundations of contemporary credit risk with implications for bank management. Drawing a direct connection between risk and its effects on credit analysis and decisions, the book discusses how credit risk should be correctly anticipated and its impact mitigated within framework of sound credit culture and process in line with the Basel Accords. This is the only practical book that specifically guides bankers through the analysis and management of the peculiar credit risks of counterparties in emerging economies. Each chapter features a one-page overview that introduces its subject and its outcomes. Chapters include summaries, review questions, references, and endnotes. Upper-division undergraduates, graduate students, and professionals worldwide working in banking, financial intermediation, and regulation, especially in respect to emerging markets.
Previous Version. Retail lending is defined as closed- and open-end credit extended to individuals for household, family, and other personal expenditures. This includes consumer loans, credit cards, auto loans, student loans, and loans to individuals secured by their personal residences, including first mortgage, home equity, and home improvement loans. This booklet discusses risks associated with retail lending and provides a framework for evaluating risk management activities. More information regarding specific retail lending products are described in other booklets of the Comptroller's Handbook, including " Residential Real Estate Lending ," " Credit Card Lending ," " Student Lending ," and " Installment Lending. This booklet applies to the OCC's supervision of national banks and federal savings associations.
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