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  • Topic: Credit risk, Credit, Credit rating
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  • Published : December 19, 2012
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VALIDATION OF CREDIT RISK RATING MODEL – THE BOBRAM MODEL

A report submitted in partial fulfillment of the requirements of MBA Program at Birla Institute of Management Technology, Greater Noida. Submitted to: Ms. Devina Nair, Company Guide, Bank of Baroda, Kolkata Prof. Ravi Agarwal, Faculty Guide, BIMTECH, Gr. Noida

By: Shruti Naz
The project attempts to study the rating methodology adopted by Bank of Baroda and the various parameters taken into account while conducting a rating. An attempt has also been made to establish a hierarchy of factors which influence ratings using AHP.

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Summer Project Certificate
This is to certify that Ms. Shruti Naz, Roll No. 111 a student of PGDM has worked on a summer project titled VALIDATION OF CREDIT RISK RATING MODEL – THE BOBRAM MODEL at Bank of Baroda, Kolkata after Trimester-III in partial fulfillment of the requirement for the Post Graduate Diploma in

Management Programme. This is her original work to the best of my knowledge.

Date:___________

Signature ________________ (_________________________)

Validation of Credit Risk Rating Model – The BOBRAM Model

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ACKNOWLEDGEMENT
In my endeavor to learn the basics of Risk Management, I would like to thank Bank of Baroda for providing me an opportunity to work with their India Exchange Branch, Kolkata. It would have been a difficult task to give shape to this project without the guidance, and encouragement of certain very important people. I hereby take this opportunity to thank my project guide, Ms Devina Nair , Credit Officer , Bank of Baroda, India Exchange Branch, who has always been there to provide me with necessary inputs and keeping me motivated during the project. This project was possible purely because of her kind co operation.

Further, I am extremely grateful to my Faculty Guide, Prof. Ravi Agarwal who has taken great pains to assist me in my project by guiding me throughout from the time of deciding the project title till the very date of its submission. He has always been approachable and helpful and has been kind enough to clarify all my doubts.

I would also like to thank the people at Bank of Baroda, India exchange Branch and also at the Zonal Office for their co-operation and for giving me a platform to hone my skills. Special mention needs to made here of Mr. Garg, Assistant General Manager, India Exchange Branch, Mr. S. Mazumdar, Validator at Zonal Office, Mr. Victor Vincent, Chief Manager, COORD.-HRM, who shared their vast knowledge and experiences enabling me to reach to a solution to the problems faced during the project. Also, the branch managers and the rating officers of the various branches that I visited for my research deserve special thanks. SHRUTI NAZ PGDM (Finance) 2009-11 25th June 2010

Validation of Credit Risk Rating Model – The BOBRAM Model

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TABLE OF CONTENTS
LIST OF FIGURES ...................................................................................................................................... 6 LIST OF EXHIBITS...................................................................................................................................... 6 LIST OF TABLES ........................................................................................................................................ 6 LIST OF APPENDICES ................................................................................................................................ 7 EXECUTIVE SUMMARY ............................................................................................................................. 8 INTRODUCTION ....................................................................................................................................... 9 COMPANY PROFILE................................................................................................................................ 11 CREDIT MONITORING AT BOB...
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