Bank Companies Act and the role of Central Bank are to be evaluated critically for safety. The other objectives are directly of CRM. It would be a good project if the author estimates CRM I lndexes of various banks and then conclude. How many banks calculate IGR, SGR, and Zeta Scored of the borrowers? Capital Adequacy is another issue of safety. So, regulatory authority will see that. Employees know very little about the actual pic of the financial health of the blanks.
it would involve bank culture too then. if employees truly knew the true picture of the health of banks, it would change the way they work or want to work. it has significant cultural implications. not a bad idea, but something to think about.
hence, bank culture may equally be a good topic to research. what is the bank culture in 'risky' or 'careless' banks that all of the sudden need outside regulation and governance?
thus, investigating culture may be the intermediate step that is easier (smoother) than directly investigating CRM
Good idea. Risk management has to be integrated into all processes at the bank, and become a part of the culture.
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