Loan loss methodology redefined: A mechanism to promote sound credit risk management in ABC Savings Bank

Date of Publication

2016

Document Type

Master's Thesis

Degree Name

Master of Business Administration

College

Ramon V. Del Rosario College of Business

Department/Unit

Decision Sciences and Innovation

Thesis Adviser

Raymund B. Habaradas

Defense Panel Chair

Rachel A. Quero

Defense Panel Member

Pia Redempta T. Manalastas
Ana Liza Asis-Castro

Abstract/Summary

This integrative action research aimed to redefine the loan loss methodology of ABC Savings Bank to merit a sound credit risk management. This paper aimed to address the safety of bank with proper allocation of provision to absorb possible losses because of bad loans and seemingly good loans that will later prove to be uncollectible.

A research team consisting of the risk officers and credit policy officers was formed to explore the issues and come up with interventions to improve the current loan loss methodology. Collaboration helped the team to determine interventions to address the issue. Two full cycles of action research were completed to come up with the best potential solution to resolve the issue. Scheins types of inquiry and Reason and Torberts three voices and audiences were used in data generation. The BSP Framework on Sound credit Risk Management and 5Cs of Credit Risk Analysis were adopted to strengthen credit risk management practices of the bank.

This research reminded us that learning never ends, henceforth we still continue to improve our processes to provide the bank comprehensive credit risk management.

Abstract Format

html

Language

English

Format

Electronic

Accession Number

CDTG006733

Shelf Location

Archives, The Learning Commons, 12F Henry Sy Sr. Hall

Physical Description

1 computer optical disc ; 4 3/4 in.

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