The State Driven Merger of Five Islamic Banks
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Credit approval risks in commercial banks
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A paradigm shift in banking
The global banking sector is undergoing a significant transformation with the introduction of the International Financial Reporting Standard 9 (IFRS 9), which mandates using the Expected Credit Loss (ECL) framework for credit loss provisioning. This shift from the traditional incurred-loss model to a forward-looking ECL approach represents a fundamental change in how banks recognise and […]
A credit analyst’s guide to coping with the challenges of modern banking
What differentiates a bank from its competitors is the quality of its employees, and in particular, its credit officers and analysts. Here is how a credit analyst can better identify and mitigate credit risk Credit is considered to be one of the major sources of earnings for a bank. However, failure in assessing overall credit […]