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Abstract
The Retail Banking industry currently faces a wide range
of challenges: deteriorating consumer credit quality;
uncertain macro-economic outlook in several countries;
competition and consolidation; shareholder pressure
on rewards; and Basel Capital Adequacy uncertainties.
Much of the focus till date (BASEL II notwithstanding)
has been on Corporate Credit Risk and Retail Credit
risk issues have not got the attention they deserve.
This white paper tries to analyze the various requirements
and issues confronting banks with significant retail
portfolios while implementing a Credit Risk BASELII
Solution. It also offers a solution approach which banks
can adopt while implementing a solution for their retail
credit portfolios.
Author
Abhijit Ghosh
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