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Credit strategies, risk and planning process

Author

Listed:
  • Fabrizio Menghini

    (UniCredit)

Abstract

The sharp fall of profitability has shifted assets toward areas entailing a higher risk on the balance sheet side; international diversification may have had, in some cases, a mitigating effect. The banking industry has improving the credit processes and implementing credit risk strategies based on efficient frontiers on return risk adjusted performance indicators.The paper shows the steps through which an effective credit strategy can be performed and subsequently monitored, with profitable returns both on cost of risk and on sustainable long term value creation

Suggested Citation

  • Fabrizio Menghini, 2013. "Credit strategies, risk and planning process," BANCARIA, Bancaria Editrice, vol. 2, pages 39-51, February.
    • Handle: RePEc:ban:bancar:v:2:y:2013:m:february:p:39-51
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    File URL: http://www.bancaria.it/en/credit-strategies-risk-and-planning-process
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    More about this item

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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