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OPINION: Confidence An Issue in Managing Credit Risk at Thailand Banks.
Jun. 6--Recent strong financial results posted by Thai banks have added ammunition to complaints made by government and consumer groups that the banks are unfairly profiteering from a large spread on loans.
In the continuing debate regarding capping the spread between deposits and loans remains a key point not yet discussed -- the banks' confidence in their current risk management systems.
A bank with a developed credit risk management system will price loans more aggressively, with the full confidence that the narrower spread adequately prices the credit risk of the loan.
For many banks which are yet to sufficiently address their credit risk issues, the large spread is necessary to cushion the inevitable non-performing loans (NPLs) that will come later.
Thai banks have been hesitant to lend, citing the lack of qualified borrowers.
However, the more likely reason is that they are still burdened with NPLs and lack the confidence to make ...
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