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Credit Risk Introduction
 
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hese videos go through the syllabus objectives for the Financial Exams of ST5/F105/SA5/F205. They are raw, unedited and contain a large amount of opinion. I've taken a skeptical approach to the subject and my views may not be correct. Feel free to correct me in the comment section below. I'll be releasing a new video every day ----------------------------- Let's Keep in Contact ----------------------------- Hit the subscribe button if you would like to see more on Youtube. Join our Actuarial Science Community on Facebook - https://bit.ly/2AyCN1p MJ’s Udemy courses - https://bit.ly/2AyCUtR MJ's awesome website - https://www.mjactuary.com -----------------------------
Views: 25595 MJ the Fellow Actuary
What is CREDIT RISK? What does CREDIT RISK mean? CREDIT RISK meaning, definition & explanation
 
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What is CREDIT RISK? What does CREDIT RISK mean? CREDIT RISK meaning - CREDIT RISK definition - CREDIT RISK explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. In the first resort, the risk is that of the lender and includes lost principal and interest, disruption to cash flows, and increased collection costs. The loss may be complete or partial. In an efficient market, higher levels of credit risk will be associated with higher borrowing costs. Because of this, measures of borrowing costs such as yield spreads can be used to infer credit risk levels based on assessments by market participants. Losses can arise in a number of circumstances, for example: - A consumer may fail to make a payment due on a mortgage loan, credit card, line of credit, or other loan. - A company is unable to repay asset-secured fixed or floating charge debt. - A business or consumer does not pay a trade invoice when due. - A business does not pay an employee's earned wages when due. - A business or government bond issuer does not make a payment on a coupon or principal payment when due. - An insolvent insurance company does not pay a policy obligation. - An insolvent bank won't return funds to a depositor. - A government grants bankruptcy protection to an insolvent consumer or business. To reduce the lender's credit risk, the lender may perform a credit check on the prospective borrower, may require the borrower to take out appropriate insurance, such as mortgage insurance, or seek security over some assets of the borrower or a guarantee from a third party. The lender can also take out insurance against the risk or on-sell the debt to another company. In general, the higher the risk, the higher will be the interest rate that the debtor will be asked to pay on the debt. Credit risk mainly arises when borrowers unable to pay due willingly or unwilingly.
Views: 7282 The Audiopedia
Soledad Galli - Machine Learning in Financial Credit Risk Assessment
 
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Filmed at PyData London 2017 Description Risk management is paramount to any lending institution, allowing it to perform well-informed decisions while originating loans. In this talk, I will describe our research and development approach to build our Credit Risk Prediction Model. I will browse over our target definition, feature optimisation, model building and tuning and our experience with model stacking. Abstract Credit Risk assessment is a general term used among financial institutions to describe the methodology used to determine the likelihood of loss on a particular asset, investment or loan. The objective of assessing credit risk is to determine if an investment is worthwhile, what steps should be taken to mitigate risk, and what the return rate should be to make an investment successful. Building a Credit Risk Prediction Model as accurate as possible becomes essential, as it allows the institution to provide fair prices to the customers while ensuring predictable and minimal losses. We build our Credit Risk Model by combining data gathered from the customer’s application on our online platform with their credit history provided by different credit agencies. In this talk, we will cover the research and development behind our recently created Credit Risk Model. We will discuss the definition of the target, the variable selection procedure, the different machine learning models built and how we optimise their hyper-parameters, as well us some of our latest research in model stacking and deep learning. Our development and Modelling pipeline is built in Python, using Pandas, Numpy, Scikit-Learn, XGBboost, Keras, Matplotlib and Seaborn. We combine the use of machine learning algorithms with data visualisation to better understand the variables and our customers, and to convey the message to different stakeholders within and outside the company. Throughout the talk, we will focus both on the intellectual rationale of the research and the utilisation of the different python tools to accomplish each task, highlighting both the problems encountered and the solutions devised. www.pydata.org PyData is an educational program of NumFOCUS, a 501(c)3 non-profit organization in the United States. PyData provides a forum for the international community of users and developers of data analysis tools to share ideas and learn from each other. The global PyData network promotes discussion of best practices, new approaches, and emerging technologies for data management, processing, analytics, and visualization. PyData communities approach data science using many languages, including (but not limited to) Python, Julia, and R. We aim to be an accessible, community-driven conference, with novice to advanced level presentations. PyData tutorials and talks bring attendees the latest project features along with cutting-edge use cases.
Views: 7953 PyData
Credit spreads - MoneyWeek Investment Tutorials
 
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Like this MoneyWeek Video? Want to find out more on credit spreads? Go to: http://www.moneyweekvideos.com/credit-spreads/ now and you'll get free bonus material on this topic, plus a whole host of other videos. Search our whole archive of useful MoneyWeek Videos, including: · The six numbers every investor should know... http://www.moneyweekvideos.com/six-numbers-every-investor-should-know/ · What is GDP? http://www.moneyweekvideos.com/what-is-gdp/ · Why does Starbucks pay so little tax? http://www.moneyweekvideos.com/why-does-starbucks-pay-so-little-tax/ · How capital gains tax works... http://www.moneyweekvideos.com/how-capital-gains-tax-works/ · What is money laundering? http://www.moneyweekvideos.com/what-is-money-laundering/
Views: 20573 MoneyWeek
FRM: CreditMetrics - Part 1
 
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A review of the method used in the first building block of CreditMetrics, a ratings-based credit risk portfolio model. You can find the spreadsheet here: http://trtl.bz/2si88RS. For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 36486 Bionic Turtle
Bond Investing 101: Understanding Interest Rate Risk and Credit Risk
 
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This video is one part of BondSavvy's 10-part video "The Crash Course on Corporate Bond Investing." The full Crash Course video is included with a subscription to BondSavvy https://www.bondsavvy.com/corporate-bond-investment-picks or can be bought on its own here https://www.bondsavvy.com/a-la-carte/corporate-bond-investing-101. This video explains the differences between interest rate risk and credit risk and how you can factor this into your next corporate bond investment. Many investors only invest in investment-grade bonds because they are afraid of the default risk of high-yield (or below investment grade) bonds. The challenge with this thinking is that investment-grade bonds often have longer durations (or time until maturity) and are therefore more sensitive to changes in interest rates. To alleviate these risks, it's important for investors to consider both investment-grade and non-investment-grade corporate bonds. You will learn the following by watching this video: * Difference between investment-grade corporate bonds and high-yield corporate bonds * Difference in default rates between investment-grade corporate bonds and high-yield corporate bonds * How bond prices are quoted * How owning high-yield corporate bonds can help reduce investors' interest rate risk * Why shorter-dated bonds are less sensitive to changes in interest rates * What happens to bond prices when interest rates increase?
Views: 219 BondSavvy
Bond Investing - Credit Risk
 
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To view the next video in this series, please click here: http://www.monkeysee.com/play/19129-bond-investing-reducing-risk-exposure
Views: 1220 MonkeySee
Associate in Credit Risk: Monitoring Risk | What We Do | J.P. Morgan
 
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As an associate in the Corporate & Investment Bank, Sonal helps monitor credit risk for clients. SUBSCRIBE: http://jpm.com/x/i/NFPWfK0 About J.P. Morgan: J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years. Our business has been built upon our core principle of putting our clients' interests first. Connect with J.P. Morgan Online: Visit the J.P. Morgan Website: https://www.jpmorgan.com/ Follow @jpmorgan on Twitter: https://twitter.com/jpmorgan Visit our J.P. Morgan Facebook page: http://facebook.com/jpmorgan Follow J.P. Morgan on LinkedIn: https://linkedin.com/company/j-p-morgan/ Follow @jpmorgan on Instagram: https://instagram.com/jpmorgan/ #jpmorgan #jpmorgancareers [OPTIMIZED TITLE]
Views: 1389 jpmorgan
Counterparty risk
 
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Europe is teetering on the edge of a credit crisis, and markets all around the world are tumbling as investors worry about contagion. Its all about banks not trusting each other, as Senior Editor Paddy Hirsch explains.
Views: 40368 Marketplace APM
Risks of investing in Mutual funds
 
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To know more about Mutual Funds click on this link http://goo.gl/znc8g What are the risks involved in investing in a mutual fund? While Equity funds are exposed to market risk, Debt fund are mainly exposed to credit risk and interest rate risk.
Views: 15458 DSP Mutual Fund
Day in the Life of a Credit Analyst | PIMCO
 
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Christian Stracke, Global Head of Credit Research, offers an inside look at PIMCO’s intensive credit research process and how it led the firm to invest in pipeline companies as oil reached its 2016 low. For more information, visit http://pimco.com Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia
Views: 64161 PIMCO
Credit default swaps (CDS) - What are they and should investors be worried about them?
 
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Deemed financial weapons of mass destruction by Warren Buffet. Tim Bennett explains what a credit default swap (CDS) is and whether or not investors should be worried about them. Don't miss out on Tim Bennett's video tutorials -- get the latest video sent straight to your inbox each week, before it's released on YouTube: http://bit.ly/TimBSubscribe To receive Tim's 50 FREE MoneyWeek Basics emails: http://bit.ly/mwk-basics Watch over 100 of Tim's videos for free: http://MoneyWeek.com/tutorials Or download them to your mobile device: http://bit.ly/TimBpodcast For the most important financial stories and how to profit from them: http://MoneyWeek.com http://Facebook.com/pages/MoneyWeek/110326662354766 http://Twitter.com/moneyweek Video series by CFA UK Highly Commended journalist Tim Bennett. http://twitter.com/TimMoneyweek
Views: 160245 moneycontent
Quantitative Credit Risk Models
 
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hese videos go through the syllabus objectives for the Financial Exams of ST5/F105/SA5/F205. They are raw, unedited and contain a large amount of opinion. I've taken a skeptical approach to the subject and my views may not be correct. Feel free to correct me in the comment section below. I'll be releasing a new video every day ----------------------------- Let's Keep in Contact ----------------------------- Hit the subscribe button if you would like to see more on Youtube. Join our Actuarial Science Community on Facebook - https://bit.ly/2AyCN1p MJ’s Udemy courses - https://bit.ly/2AyCUtR MJ's awesome website - https://www.mjactuary.com -----------------------------
Views: 13936 MJ the Fellow Actuary
R tutorial: Intro to Credit Risk Modeling
 
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Learn more about credit risk modeling with R: https://www.datacamp.com/courses/introduction-to-credit-risk-modeling-in-r Hi, and welcome to the first video of the credit risk modeling course. My name is Lore, I'm a data scientist at DataCamp and I will help you master some basics of the credit risk modeling field. The area of credit risk modeling is all about the event of loan default. Now what is loan default? When a bank grants a loan to a borrower, which could be an individual or a company, the bank will usually transfer the entire amount of the loan to the borrower. The borrower will then reimburse this amount in smaller chunks, including some interest payments, over time. Usually these payments happen monthly, quarterly or yearly. Of course, there is a certain risk that a borrower will not be able to fully reimburse this loan. This results in a loss for the bank. The expected loss a bank will incur is composed of three elements. The first element is the probability of default, which is the probability that the borrower will fail to make a full repayment of the loan. The second element is the exposure at default, or EAD, which is the expected value of the loan at the time of default. You can also look at this as the amount of the loan that still needs to be repaid at the time of default. The third element is loss given default, which is the amount of the loss if there is a default, expressed as a percentage of the EAD. Multiplying these three elements leads to the formula of expected loss. In this course, we will focus on the probability of default. Banks keep information on the default behavior of past customers, which can be used to predict default for new customers. Broadly, this information can be classified in two types. The first type of information is application information. Examples of application information are income, marital status, et cetera. The second type of information, behavioral information, tracks the past behavior of customers, for example the current account balance and payment arrear history. Let's have a look at the first ten lines of our data set. This data set contains information on past loans. Each line represents one customer and his or her information, along with a loan status indicator, which equals 1 if the customer defaulted, and 0 if the customer did not default. Loan status will be used as a response variable and the explanatory variables are the amount of the loan, the interest rate, grade, employment length, home ownership status, the annual income and the age. The grade is the bureau score of the customer, where A indicates the highest class of creditworthiness and G the lowest. This bureau score reflects the credit history of the individual and is the only behavioral variable in the data set. For an overview of the data structure for categorical variables, you can use the CrossTable() function in the gmodels package. Applying this function to the home ownership variable, you get a table with each of the categories in this variable, with the number of cases and proportions. Using loan status as a second argument, you can look at the relationship between this factor variable and the response. By setting prop.r equal to TRUE and the other proportions listed here equal to FALSE, you get the row-wise proportions. Now what does this result tell you? It seems that the default rate in the home ownership group OTHER is quite a bit higher than the default rate in, for example, the home ownership group MORTGAGE, with 17.5 versus 9.8 percent of defaults in these groups, respectively. Now, let's explore other aspects of the data using R.
Views: 29067 DataCamp
How safe are credit opportunities funds?
 
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Live answers to your investment queries.
Views: 1111 Value Research
Basics of Portfolio Risk Management
 
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The basics of portfolio risk management is the art of attaining a specific investment goal without exposing yourself to certain risks and biases. Here, I introduce you to the basic steps of portfolio risk management. I hope that you’ll learn something new here, instead of the usual “invest in low-volatility, blue-chip stocks” http://damonverial.com/ One of the biggest risks of a portfolio is the hidden biases you were exposed to when you were building your portfolio. Here, I demonstrate a set of practical principles for basic risk management. I start with three main principles and then introduce practical methods that stem from these principles. First, we discuss diversifying across investments. Then, we talk about hedging (with stock options). Finally, we discuss diversifying across time, which is hardly ever mentioned in diversifying your portfolio. #portfolioriskmanagement
Views: 6068 Damon Verial
Credit Risk
 
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Training on Credit Risk for ST 5 Finance and Investment for actuary exam by Vamsidhar Ambatipudi.
Views: 1255 Vamsidhar Ambatipudi
Types of Risks Involved when Investing in Stocks, Bonds, and Real Estate
 
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Let's make the financial world very simple and understandable. Types of risks involved with investing in stocks, bonds, and real estate. Have you ever wondered exactly how much risk is involved with the investing? It never fails, when I have new clients coming in, they say they want all of the upside but none of the downside. Basically, they want their cake and to eat it too. However, the problem is you can't invest without taking some risks.  We face a variety of risks when investing route. So today I'm going to go over what those are and how you can deal with them. Types of Risk Involved with Investing 1. Market risk The risk of investments declining in value because of economic developments or other events that affect the entire market. The main types of market risk are equity risk, interest rate risk, and currency risk.  Equity risk – applies to an investment in shares. The market price of shares varies all the time depending on demand and supply. Equity risk is the risk of loss because of a drop in the market price of shares. Interest rate risk – applies to debt investments such as bonds. It is the risk of losing money because of a change in the interest rate. For example, if the interest rate goes up, the market value of bonds will drop. Currency risk – applies when you own foreign investments. It is the risk of losing money because of a movement in the exchange rate. For example, if the U.S. dollar becomes less valuable relative to the Canadian dollar, your U.S. stocks will be worthless in Canadian dollars. 2. Liquidity risk The risk of being unable to sell your investment at a fair price and get your money out when you want to. To sell the investment, you may need to accept a lower price. In some cases, such as exempt market investments, it may not be possible to sell the investment at all. 3. Concentration risk The risk of loss because your money is concentrated in a particular type of investment. When you diversify your investments, you spread the risk over different types of investments, industries, and geographic locations. 4. Credit risk The risk that the government entity or company that issued the bond will run into financial difficulties and won't be able to pay the interest or repay the principal at maturity. Credit risk applies to debt investments such as bonds. You can evaluate credit risk by looking at the credit rating of the bond. For example, long-term Canadian government bonds have a credit rating of AAA, which indicates the lowest possible credit risk. 5. Inflation risk The risk of a loss in your purchasing power because the value of your investments does not keep up with inflation. Inflation erodes the purchasing power of money over time – the same amount of money will buy fewer goods and services. Inflation risk is particularly relevant if you own cash or debt investments like bonds. Shares offer some protection against inflation because most companies can increase the prices they charge to their customers. Share prices should, therefore, rise in line with inflation. Real estate also offers some protection because landlords can increase rents over time. 6. Horizon risk The risk that your investment horizon may be shortened because of an unforeseen event, for example, the loss of your job. This may force you to sell investments that you were expecting to hold for the long term. If you must sell at a time when the markets are down, you may lose money. 7. Longevity risk The risk of outliving your savings. This risk is particularly relevant for people who are retired or are nearing retirement. 8. Foreign investment risk The risk of loss when investing in foreign countries. When you buy foreign investments, for example, the shares of companies in emerging markets, you face risks that do not exist in Canada, for example, the risk of nationalization. 9. Call Risk  This is a risk for bond issues and refers to the possibility of a debt security being called before maturity. This typically takes place when interest rates are dropping. 11. Social / Political Risk  The risk associated with the possibility of nationalization, unfavorable government action or social changes resulting in a loss of value is called social or political risk. These are just a blip of the different types of risk that are involved with investing. You can experience any of these at any time! I tell you all that because investing is complicated, which is why I implore you to hire a CERTIFIED FINANCIAL PLANNER™. Making that choice could help make your life financially simple. Contact us if you have questions about these or any more of the risks involved with investing. Thanks for watching Types of risks involved with investing in stocks, bonds, and real estate. Check out my blog, www.financiallysimple.com
Types of risks in banking | Risk Management in Banking sector | Types of risks in banking sector
 
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In this video we have discussed Types of risks in banking sector and Risk Management in Banking sector which is very important for IBPS PO,IBPS Clerk,SBI Clerk,SBI PO,Syndicate Bank PO,Canara Bank PO and various other banking examinations. In this video we have categorically described risks in banking sector such as credit risk, market risk, operational risk etc. The major risks in banking business or ‘banking risks’, explained in this video with proper time stamp are : 1. Credit or Default Risk 03:50 2. Market Risk 11:50 3. Operational Risk 15:04 4. Liquidity Risk 18:37 5. Business Risk 20:23 6. Reputational Risk 21:51 7. Systemic Risk 23:41 8. Moral Hazard 24:51 9. Final discussion 27:02
Views: 44827 BANKING SUTRA
Should I exit from a credit risk fund in less than 3 years?
 
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Live answers to your investment queries.
Views: 347 Value Research
Risks of Investing in Mutual Fund
 
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To know more about Mutual Funds click on this link http://goo.gl/znc8g What are the risks involved in investing in a mutual fund? While Equity funds are exposed to market risk, Debt fund are mainly exposed to credit risk and interest rate risk.
Views: 30973 DSP Mutual Fund
Investment-Grade Credit Is High Risk
 
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DoubleLine Capital’s research indicates investment-grade credit is the most overvalued it’s been in its history versus Treasurys. Gundlach sees poor performance if the 10-year rate rises above 3%.
Views: 553 MastersFunds
Credit Ratings, Lecture 009, Securities Investment 101, Video 00011
 
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In this lecture we discuss credit ratings and credit rating agencies, particularly as they relate to bond sales, credit risk, and default risk. We explain what credit risk is and what the ratings actually mean in terms of the risk of an organisation failing to meet its bond payment obligations. Along the way, we briefly mention commercial paper, liquidation rankings, the relationship of preference shares to bonds, and several more jargon terms used in the credit ratings arena. Previous: http://www.youtube.com/watch?v=G_jbOJn_JLg Next: https://www.youtube.com/watch?v=TxkGQ_QmuRs For financial education from London to Singapore and beyond, please contact MithrilMoney via the following website: http://mithrilmoney.com/ This MithrilMoney lecture was delivered by Andy Duncan, CQF. Please read our disclaimer: http://mithrilmoney.com/disclaimer/
Views: 12808 MithrilMoney
Debt Funds RISK (HINDI)
 
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Debt Funds RISK is not visible but mostly hidden. There is a common perception that Debt Funds are completely SAFE but unfortunately, it is not correct. Debt mutual funds are tax efficient and can deliver better returns than FD but these are some hidden Debt Funds RISK. In this video, i will share 7 such risks. 1. The first risk is a misconception that debt funds are safe. The reason being, bond yield is volatile. The volatility in bond yield means debt funds can deliver negative returns in short term say 1 week, 1 month etc. 2. Bond yield and repo rate should move in tandem with each other but unfortunately, it is the ideal scenario and in a practical scenario, bond yield is ahead of repo rate. 3. As an investor, i should keep a watch on FII activity in debt segment. Any redemption pressure can put pressure on debt funds. 4. Rating of debt instruments is another risk. Normally to deliver superior funds, credit opportunities fund invest in low credit rating papers. There NAV negatively. 5. Global and Domestic factors also play imp roles like crude oil, inflation, US fed rate and rupee movement. 6. Bond yield is always ahead of times thus you should invest at right time. 7. Inflation is a key criterion. Normally debt fund performs well during high inflation compared to low inflation. If you liked this video, You can "Subscribe" to my YouTube Channel. The link is as follows https://goo.gl/nsh0Oh By subscribing, You can daily watch a new Educational and Informative video in your own Hindi language. For more such interesting and informative content, join me at: Website: http://www.nitinbhatia.in/ T: http://twitter.com/nitinbhatia121 G+: https://plus.google.com/+NitinBhatia #NitinBhatia
Views: 16200 Nitin Bhatia
Credit Risk Management in Banks
 
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Banks utilize many different techniques to manage credit risk. If you want to learn more about credit risk and risk management consider PSI’s Financial Services Curriculum. Learn more at http://www.goto-psi.com/curriculum/financial-services/.
CFA Exam Level I Free Lesson: Assessing Credit Risk & Screening For Potential Equity Investments
 
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Sign up for a free 24-hour trial of Wiley's CFA Review Course at www.efficientlearning.com/cfa. In this in-depth lecture on key elements from Reading #34 of the CFA Institute's CFA curriculum, Wiley's CFA® Exam Review's Peter Olinto walks us through how to: 1) Performing credit analysis of a company based its character, capacity, collateral and capacity and using financial statements in the calculations. 2) Considerations and calculations to employ when vetting a company and the potential for an equity investment. Throughout this 15-minute lecture, Peter offers some great tips for carrying out these calculations and avoiding mistakes on the CFA exam.
Views: 2736 Wiley Finance
Operational Risk Management in Financial Services
 
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Operational risk can have a crippling effect on a company if not managed properly. This is especially true in the financial services industry. Banks and investment firms must pay close attention to variables that have the potential to impact their operations, not only from the breakdown of technology and processes, but also from a personnel perspective. The responsibility of managing one's money is great, and the inability to properly anticipate and manage potential risk factors can have a devastating effect, all the way up to the industry level. A case in point was the subprime mortgage crisis of the late 2000s, which led to a nationwide economic recession. Mike Pinedo, the Julius Schlesinger Professor of Operations Management at New York University's Stern School of Business, is an expert in risk management research, particularly in the context of the financial services industry. In his presentation at The Boeing Center's 13th annual Meir Rosenblatt Memorial Lecture, he described the main types of primary risks in a financial services company: market risk, credit risk, and operational risk. Ops risk, which is the risk of a loss resulting from inadequate or failed internal processes, people, or external events, may be the most important factor, he claimed. Full article → http://bit.ly/2tfvwxn
Views: 9328 The Boeing Center
NCD v/s CREDIT RISK FUNDS
 
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What should you consider for debt investments, NCD or Credit Risk Funds?
Views: 1164 CNBC Awaaz
Risk management in banks
 
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For more information : https://www.educba.com/risk-management-in-banks/ In this VIdeo how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is described
Views: 80885 eduCBA
Management of Risk | Types of Risk in Investment
 
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Namaska Dosto is video me hum janeng ki risk qa ho hai.. Ala Alag types ke common risk ko dekhenge aur unko deail me jananege ki Mutual funds me ya kisi bhi prakar ke Invstment me kon kon se risk hote hai.. Iske sath sath hum inko manage karna bhi batayenge To umeed hai dosto aapko video pasand ayega Mutual fund, Banking aur Finance ke bare me aur jan ne ke lie SUBSCRIBE kijiye. Facebook: https://www.facebook.com/MARKETMAESTROO Subscribe : https://www.youtube.com/marketmaestroo
Views: 5260 Market Maestroo
Soledad Galli Machine Learning in Financial Credit Risk Assessment
 
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Credit Risk assessment aims to determine the probability of loss on a particular asset, investment or loan. The objective of assessing credit risk is to determine if an investment is worthwhile, what steps should be taken to mitigate risk, and what the return rate should be to make an investment successful. An accurate Credit Risk Model allows the financial institution to provide fair prices to customers while ensuring predictable and minimal losses. At Zopa, we use machine learning to estimate Credit Risk. In this talk, I will cover the steps involved in the creation of our Credit Risk Model, including variable pre-processing, target definition, variable selection and building and evaluation of the different machine learning models.
Best Mutual Funds for Beginners | Conservative Portfolio | Low Risk Funds | Best Investment Ideas
 
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Hello Investors, Welcome Back to the Mutual Fund Talk Show First, we want to thank all of you for showing great love and appreciation with our past two videos which include an aggressive mutual fund portfolio and a balanced mutual fund portfolio. This is the last segment of the series which is all about the best conservative mutual fund portfolio for 2019. The conservative mutual fund portfolio is specially designed for investors who are willing to start investing in mutual funds and have a fear of risk. Also, it’s ideal for people who are close to their retirement age and cannot take much risk with their investment. This is why such a conservative folio is considered to be extremely safe as the model allocation and selection of funds help the investment to attract minimum possible risk. Besides, the annual average returns generated by the schemes are higher than that of traditional investment options like FD. The video covers a detailed analysis of the portfolio objective, portfolio allocation, fund selection, historical performance of the selected schemes, and lastly some important suggestions related to the schemes. The overall research is divided into four segments as mentioned above. The researched information will help you to match the suggested conservative portfolio with your investment preferences, and then you can decide if the allocation matches your investment style or not, and make the decision of investing accordingly. Lastly, one must remember that the suggested schemes are only for the conservative investors who are either new to mutual fund investment or the ones reaching close to their retirement age and have an investment horizon of around three years. Stay tuned with us, and we’ll help you learn about different investing concepts in mutual funds. You can also write to us with your feedback at [email protected] Share the video with your friends and family as well if you find it useful. For seeking any investment-related suggestion further, you can visit us at our website www.mysiponline.com. To start investing now in this best conservative mutual fund portfolio for investors in 2019, download our mobile app now: https://bit.ly/2FzAWMN Join the fastest growing online mutual fund platform and stay connected at: Facebook Page - https://www.facebook.com/mysiponline Google Plus - goo.gl/0IHtzA Pinterest - https://in.pinterest.com/mysiponline Instagram - https://www.instagram.com/mysiponline/ Twitter - https://twitter.com/MySIPonline #lumpsuminvestment #mutualfunds2019 #conservativeportfolio Tags: Conservative Portfolio Model Portfolio Theory Conservative Investment Plans Portfolio for low risk investors Best mutual funds for beginners Best mutual funds for retired How to build winning portfolio Diversified portfolio How to invest in mutual funds Mutual funds for short term Best mutual funds of 2019 FD vs Mutual Funds Investment ideas for beginners Best retirement plan India Conservative Investor friendly Fund Low risk stable returns Mutual Fund Portfolio Portfolio Allocation 2019 ICICI Prudential Mutual Funds ICICI Prudential Bluechip Fund ICICI Prudential Equity and Debt Fund Reliance Mutual Funds Reliance Income Fund Kotak Mutual Funds Kotak Credit Risk Fund Principal Mutual Funds Principal Hybrid Equity Fund Franklin Mutual Funds Franklin India Low Duration Fund CRISIL Index Best debt fund Long duration debt fund Low duration debt fund Best Schemes For Conservative Investors Conservative Investors Best credit risk fund Best aggressive hybrid fund Best large cap fund Stable returns Low risk Low risk portfolio Higher than FD returns Conservative Investments
Credit Risk Investors – Get to Know Fannie Mae’s Desktop Underwriter
 
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Fannie Mae’s Desktop Underwriter® (DU) is the most widely used automated underwriting system in the mortgage industry. Watch this video to see how DU works and discover some of the innovative ways the software helps to improve the overall loan manufacturing process. Learn more about Fannie Mae’s Credit Risk Transfer programs here: http://fanniemae.com/portal/funding-the-market/credit-risk/index.html
Views: 877 Fannie Mae
Risk Management - Lecture 01a
 
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Textbook: Saunders and Cornette "Financial Institutuons Management - A Risk Management Approach". Chapter 7. Introduction to Risk interest-rate risk, market risk, credit risk, default, default risk, off-balance sheet risk, contingent liability, forex risk, currency, risk, country risk, political risk, sovereign risk, technology risk, operational risk, liquidity risk, insolvency risk, maturity mismatch, duration, duration gap, normal yield curve, yield differential, inverted yield curve, refinancing, refinancing risk, bankruptcy risk, legal risk, liquidation risk, reinvestment risk, zero interest-rate policy, ZIRP, hedge, market risk, price risk, trading risk, systematic risk, diversifiable risk, diversification risk, correlation risk, speculative risk, speculation, investment horizon, speculation.
Views: 12813 Krassimir Petrov
What is Credit Risk? - Term Buster - Franklin Templeton India
 
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What is Credit Risk? Credit rating is used to identify the extent of credit risk associated with a loan. A borrower may not repay a loan and that the lender may lose the principal of the loan or the interest associated with it. Credit risk is the possibility of a loan repayment being default or delayed A higher credit rating would mean lower chances of such risks. Watch our “Term Busters” series and de-complicate investments." Visit Investor Education Section of our website - https://www.franklintempletonindia.com/investor/investor-education/new-to-investing Watch more, and we’ll help you learn about different types of funds offered by Franklin Templeton. https://www.youtube.com/playlist?list=PLpDLpRd877mTfptx_2dTYyY8g6nfa-Qk6 You can also write to us with your feedback ([email protected]) View more such videos in the playlist Franklin Templeton Academy: https://www.youtube.com/playlist?list=PLpDLpRd877mSF4p7DIh5OMhS6zktFJ4IP Invest in Mutual Funds with Franklin Templeton. Official Website: https://www.franklintempletonindia.com/ Facebook: https://www.facebook.com/FranklinTempletonIndia/ LinkedIn: https://www.linkedin.com/company/franklin-templeton-investments Instagram: https://www.instagram.com/ftiindia/?hl=en Twitter: https://twitter.com/ftiindia?lang=en
Views: 777 TempletonIndia
Credit risk in bonds
 
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Credit risk in bonds I've tried to emphasize interest rate risk when you invest in bonds because many people don't understand this risk even though it's probably the biggest risk facing today's bond investor. But almost everyone understands credit risk. Credit risk is the risk that the issuing company or government can't meet the promised interest or principal payments. US Treasuries face least credit risk In this case, US Treasury bonds and mortgage securities called Ginnie Maes offer the highest credit ratings. These securities are backed by the "full faith and credit" of the US government. Government agency securities After US Treasuries and Ginnie Maes come debt issued by quasi-governmental agencies like the Federal Home Loan Mortgage Corporation also known as Freddie Mac. Although debt issued by these corporations does not carry the explicit backing of the US government, most bond traders believe the government will back up the companies if their bankruptcy is threatened. Blue chip corporations Next comes the debt of large, blue chip corporations like General Electric. This debt is normally called investment grade debt. Debt issued by large corporations is normally rated by independent companies like Moody's, and Standard & Poors. These companies do extensive research into the issuing company's ability to repay their bonds. Hierarchy of claims Before we jump further down into junk bonds, we should spend a little time talking about the hierarchy of claims on a company's assets and see what happens if a company files or is forced into bankruptcy. According to the US Constitution, bankruptcy proceedings are handled by federal law. US bankruptcy laws were rewritten in 1978 to change the traditional pecking order of those who can make claims against a bankrupt company. Lawyers and the IRS are highest Highest on the pecking order is the bankruptcy lawyers. Lawyers write the laws, so it shouldn't be too surprising that they want to get paid for their efforts as they try to dole out the company's assets. Next comes the IRS, then the firm's employees and their pension funds. After them come the company's secured creditors. These creditors have loaned the company money, but the loan is secured by a mortgage on a piece of real property like a building or heavy equipment. Most blue chip debt is unsecured Although secured debt is common for smaller companies, the majority of blue chip corporate debt is unsecured debentures. Here the lender only has the promise that the firm will honor its debt. This is similar to unsecured credit card debt that most consumers carry. However, there are several levels of unsecured debt. So-called senior debt holders are paid off before junior or subordinated debt holders. Unsecured creditors also include the suppliers who provided the company with merchandise. After the junior debt holders come the preferred stockholders. Finally, if there's any money left, the common stockholders receive compensation for their ownership in the company. Chapter 11 and 7 bankruptcy There are two forms of corporate bankruptcy, named for sections in the federal law which govern their policies. One is Chapter 11, and this type appears in the news most often. In this case, the company continues operation, but it receives a temporary reprieve from its creditors while it works out a debt repayment plan. The second is Chapter 7. In this more extreme case, the company is liquidated and assets are sold off to satisfy creditors. A company can be forced into bankruptcy by its creditors if the company fails to meet its obligations. The company also voluntarily can choose to file for bankruptcy. Once in bankruptcy, a federal court plays a major role in the handling of claims. Typical bankruptcy reorganization Although it's difficult to generalize about bankruptcy proceedings, if a company files for bankruptcy, and then later re-emerges as an operating company, the old creditors and shareholders have their claims shifted down one level in the claims hierarchy. For example, the old senior debt holders become junior creditors, the old junior debt holders become stockholders and the old stockholders lose everything or perhaps get some equity warrants. Ratio analysis for credit worthiness To avoid the unpleasantness of bankruptcy, bond investors and independent rating agencies analyze a company's financial condition. Typically, investors look at various ratios to see if the firm is a good risk. One of the most common ratios is the firm's current ratio. Current ratio Times interest earned ratio Debt to equity ratio Copyright 1997 by David Luhman
Views: 986 MoneyHop.com
Key Things to Know about Fixed Income ETFs | Fidelity
 
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Find out more about exchange-traded funds with us at the https://www.fidelity.com/learning-center/investment-products/etf/overview To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ------------------------------------------------------------------------------------------ Fixed income can be a critical part of nearly every well-diversified portfolio. Used correctly, fixed income can add diversification and a steady source of income to any investor’s portfolio. But how do you choose the right fixed-income ETF? The key to choosing the right fixed-income ETF lies in what it actually holds. U.S. bonds or international bonds? Government securities or corporate debt? Bonds that come due in two years or 20 years? Each decision determines the level of risk you’re taking and the potential return. There are many types of risks to consider with bond investing. Let’s talk more about two in particular: Credit risk and Interest-rate risk. Determining the level of credit risk you want to assume is an important first step when choosing a fixed-income ETF. Do you want an ETF that only holds conservative bonds—like bonds issued by the U.S. Treasury? Or do you want one holding riskier corporate debt? The latter may pay you a higher interest rate, but if the company issuing the bond goes bankrupt, you’ll lose out. ETFs cover the full range of available credit. Look carefully at the credit quality composition of the ETFs underlying holdings, and don’t be lured in by promises of high yields unless you understand the risks. Bonds are funny. Intuitively, you would assume that higher interest rates are good for bondholders, as they can reinvest bond income at higher prevailing interest rates. But rising interest rates may be bad news, at least in the short term. Imagine that the government issues a 10-year bond paying an interest rate of 2%. But shortly thereafter, the U.S. Federal Reserve hikes interest rates. Now, if the government wants to issue a new 10-year bond, it has to pay 3% a year in interest. No one is going to pay the same amount for the 2% bond as the 3% bond; instead, the price of the 2% bond will have to fall to make its yield as attractive as the new, higher-yielding security. That’s how bonds work, like a seesaw: As yields rise, prices fall and vice versa. Another important measure to consider when looking at interest rate risk is duration which helps to approximate the degree of price sensitivity of a bond to changes in interest rates. The longer the duration, the more any change in interest rates will affect your investment. Conversely, the shorter the duration, the less any change in interest rates will affect your investment. Let’s review a few other considerations when looking at fixed income ETFs. First, expense ratios: Because your expected return in a bond ETF is lower than in most stock ETFs, expenses take on extra importance. Generally speaking, the lower the fees, the better. Second, tracking difference: It can be harder to run a bond index fund than an equity fund, so you may see significant variation between the fund’s performance and the index’s returns. Try to seek out funds with low levels of tracking difference, meaning they track their index well. Finally, some bonds can be illiquid. As a result, it’s extra important to look out for bond ETFs with good trading volumes and tight spreads. There are other factors to watch for too, but these are the basics. ETFs can be a great tool for accessing the bond space, but as with anything, it pays to know what you’re buying before you make the leap. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 723251.2.0
Views: 55364 Fidelity Investments
What is SOVEREIGN CREDIT RISK? What does SOVEREIGN CREDIT RISK mean? SOVEREIGN CREDIT RISK meaning
 
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What is SOVEREIGN CREDIT RISK? What does SOVEREIGN CREDIT RISK mean? SOVEREIGN CREDIT RISK meaning - SOVEREIGN CREDIT RISK definition - SOVEREIGN CREDIT RISK explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Sovereign credit risk is the risk of a government becoming unwilling or unable to meet its loan obligations, as happened to Cyprus in 2013. Many countries faced sovereign risk in the Great Recession of the late-2000s. This risk can be mitigated by creditors and stakeholders taking extra precaution when making investments or financial transactions with firms based in foreign countries. Five key factors that affect the probability of sovereign debt leading to sovereign risk are: debt service ratio, import ratio, investment ratio, variance of export revenue, and domestic money supply growth. The probability of loss increases with increases in debt service ratio, import ratio, variance of export revenue and/or domestic money supply growth. Frenkel, Karmann, Raahish and Scholtens also argue that the likelihood of rescheduling decreases as investment ratio increases, due to resultant economic productivity gains. However, Saunders argues that debt rescheduling can become more likely if the investment ratio rises as the foreign country could become less dependent on its external creditors and so be less concerned about receiving credit from these countries/investors.
Views: 321 The Audiopedia
What is financial risk? FRM T1-1
 
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What is classified in financial risk (market risk, credit risk, operational risk, liquidity risk, and investment risk)? Discuss this video here in our FRM forum: https://trtl.bz/2ywkLLE
Views: 10787 Bionic Turtle
Top 3 Credit Opportunity Debt Funds 2018 | 10 to 11% return | Best Debt Funds India
 
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Credit Opportunity funds or CROP funds are debt mutual funds that invest in investment grade debt securities with a lower than AAA credit rating. 2. The credit risk is taken for generating higher yield as lower the credit rating of a debt paper, higher the interest rates paid by the issuer
Credit Risk in Indian Banking: Finance and Investment Club, IIM Rohtak
 
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Finance and Investment Club organized a session at IIM Rohtak. Mr. Venkat Bhargava, Manager at RBI, New Delhi took the session on Credit Risk in Indian Banking on Jan 26, 2018. He discussed on the various risks involved in banking space. He talked about the criteria on which the banks decide on their investments. He threw light on some of the contemporary topics and Union Budget 2018.
Risk Appetite Explained - Risk Tolerance -Risk Tolerance Tips
 
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Understanding what is your risk appetite is key while investing in the financial markets. The risks involved in investing in stock market, hedge fund, mutual funds need to be understood before investing or this will cause the investor to lose money in the financial markets. Never invest more than what you can afford to loose . To understand what is risk, one needs to understand how much money is available to be invested. Value investing needs to be practiced. Investments and investing is a complicated process where operational risk and asset allocation is an important concept to be followed. Risk analysis needs to be contemplated before investing. Credit risk , market risk , risk aversion tactics need to be followed. The definition of risk is the point where everything is lost if miscalculated. investing in financial markets is not for everyone and utmost care needs to be taken before an investor decides to make his money work for him or her. Portfolio needs to be balanced with a mixture of investments which are different in nature. There are different types of investments ranging from Equity, debt, fixed deposits, hedge funds, hybrid funds and lots more. Each of the investment comes with some risks for the investor. People need to be aware of what is at stake and the most important factor while considering before investing is to look at the terms and conditions of the investment and one needs to understand what are the risks involved and what they stand to gain or loose. Take classes to understand what you are getting into before getting into the investment cycle, because once you are in it without understanding what you are getting into becomes risker and the chances of loosing money is much higher than the chances of making money. Hence it is advised that people need to clearly understand what their risk tolerance level is before investing.
Views: 3706 WealthOutline.com
UTI Credit Risk Fund - an overview by Ritesh Nambiar
 
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Senior Vice-President and Fund Manager at UTI Mutual Fund, Ritesh Nambiar gives a background on the Fixed Income market and how global factors like policy rates, inflation, interest rates, etc., play an important role. He also shares insights on how products like UTI Credit Risk Fund which capitalise on growth and these factors, could do well. Furthermore, he talks about investors for whom this product is best suited.
Views: 976 UTI Mutual Fund
The Different Ways Credit Risk Arises
 
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In this video Fitch Learning instructor Yuen-Wei Chew looks at the ways credit risk arises for banks, including lending, contingent risk and market risk. Fitch Learning have been delivering short courses to the financial community for over 25 years course. Our courses focus on delivering skills that are directly transferable from the classroom to the work place and will help to bridge any skills gaps you may have. Visit https://www.fitchlearning.com/short-courses for more information about our course content.
Views: 376 Fitch Learning
Avoiding the risks of credit market investing
 
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Annabel Gillard, Director of Fixed Income at M&G Investments, tells Sam Brodbeck how pension fund trustees can tackle risk when investing in bonds
Views: 194 PensionsInsight
FRM: Counterparty credit exposure
 
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Study note: Counterparty credit risk is harder because (i) the initial value is 0 and the future value is highly uncertain and (ii) the contract can gain or lose. Two key metrics are Expected Exposure and Potential Future Exposure (PFE, which is essentially a VaR). For more financial risk videos, visit our website! http://www.bionicturtle.com
Views: 39064 Bionic Turtle

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