Dissertations for Finance

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Browsing Dissertations for Finance by Subject "banking industry"

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    Operational risk management under Basel ll - A case of UAE banks
    (The British University in Dubai (BUiD), 2010-05) Tawalandana, Nilani
    This thesis examines the ORM process in UAE banks in the light of Basel II Accord. The research also dwells into the concept of operational risk management with detailed study of the nature and characteristics of operational risk. The thesis studies the effects operational risk in the banking industry and shows that if not managed or controlled this risk can cause havoc to the organization. Operational risk management is an ongoing process and the banks need to develop and implement procedures and systems and evolve these systems to adapt to changes in the environment. This research studies the ORM framework of UAE banks with the help of a survey that was answered by the Risk Managers of various banks. The research gives information regarding the ORM processes in these banks and the various methods and tools used for the process. The research provides in depth study of ORM process in UAE banks and helps in assessing the efficacy of the programme.
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    Risk Management in Islamic Banking
    (The British University in Dubai (BUiD), 2020-03) Abu Hardan, Yousef
    Risk management is an integral part of banks’ activities and the banking industry is generally considered one of the riskiest types of businesses. Therefore, the present study aims to examine the risk management practices in Islamic banking, using Ajman bank as the case study. The methodology used in this study is qualitative based on structured interview. The analysis is based on face-to-face interviews with five heads of departments including Retail Banking Department, Internal Control Department, Sharia Department, Compliance and Risk Management (liquidity) Department. The results show that Ajman bank has effective risk management practices. The Risk Management department displays proper control for risk mitigation and the bank in accordance with the Sharia compliant. In addition, the findings reveal that the bank comply with Basel requirements and UAE Central Bank regulations.
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    A study of Risk Management in the United Arab Emirates Banking Industry
    (The British University in Dubai (BUiD), 2010-04) Al Hussiny, Shaima
    Purpose- This research is an attempt to discuss risk management and its importance to the fundamental operation of banks in UAE & whether the Basel II agreement is still relevant in the current financial crisis, and whether it has helped contribute to the severity of the downturn by creating capital shortages at banks in the UAE and in general. Design/methodology/approach-Questionnaires were distributed to key risk managers in a sample of UAE banks .The questionnaire is composed of three main parts with a total of 42 questions. The first part consists of 12 questions & focuses on obtaining ordinal judgements of the ranked importance and effectiveness of the five main risk management techniques identified by the literature review. The second part consists of 28 questions & was used to answer the 4 research questions; the degree of understanding & implementation of risk management, the most efficient tools and techniques available for the management of risk, the extent to which managers are aware of the risks that are associated with their actions and goals & if Basel II agreement assisted or hindered risk management amongst banks in the UAE. It is based on a five point Likert scale ratings of individual factors. The third section includes two open ended qualitative questions designed to obtain more subjective details from the employees around their specific attitudes towards, and understanding of, risks and risk management, as well as clarify their answers to the quantitative questions. Findings-– Based on the results of the analysis in this study, it is concluded that the UAE banks are only facing a relatively narrow range of risks, and similarly are not using a particularly diverse range of risk management practices. As such, they focus on the relatively blunt tools of risk mitigation and risk elimination, rather than taking a more advanced strategic approach. As the UAE is currently in something of a transitional period, with Basel II in the process of being implemented, the study should be repeated once implementation is A study of Risk Management in the United Arab Emirates Banking Industry complete. This will help produce a better understanding of the impact of Basel II on the UAE, as well as demonstrating how the implementation of the Basel II agreement has changed risk management practices in general.