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In Partial fulfillment of the Masters Program in Business Administration (MBA) in FINANCE Sikkim Manipal ni!ersit"
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(Su0mitted to) CA1EE1 P-IN# ()232)4 MA#5 1A (Authori6ed 7earning Center of Sikkim Manipal ni!ersit")

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Risk management underscores the fact that the survival of an organization depends heavily on its capabilities to anticipate and prepare for the change rather than ust !aiting for the change and react to it" #he ob ective of risk management is not to prohibit or prevent risk taking activity$ but to ensure that the risks are consciously taken !ith full kno!ledge$ purpose and clear understanding so that it can be measured and mitigated" It also prevents an institution from suffering unacceptable loss causing an institution to suffer or materially damage its competitive position" %unctions of risk management should actually be bank specific dictated by the size and &uality of balance sheet$ comple'ity of functions$ technical( professional manpo!er and the status of )IS in place in that bank"

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1isk& the meaning of *Risk+ as per ,ebster+s comprehensive dictionary is -a chance of encountering harm or loss$ hazard$ danger. or -to e'pose to a chance of in ury or loss." #hus$ something that has potential to cause harm or loss to one or more planned ob ectives is called Risk" #he !ord risk is derived from an Italian !ord -Risicare. !hich means -#o /are." It is an e'pression of danger of an adverse deviation in the actual result from any e'pected result" 0anks for International Settlement 10IS2 has defined it as3 -Risk is the threat that an event or action !ill adversely affect an organization+s ability to achieve its ob ectives and successfully e'ecute its strategies". 1isk Management& Risk )anagement is a planned method of dealing !ith the potential loss or damage" It is an ongoing process of risk appraisal through various methods and tools !hich continuously 4ssess !hat could go !rong /etermine !hich risks are important to deal !ith Implement strategies to deal !ith those risks

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0asel II norms came as an attempt to reduce the gap in point of vie!s bet!een conflict practices" #herefore$ the implementation of those resolutions emerged by the banks" Regarding this issue the survey has been made" Study problem can be stated as follo!s5 #o :hat e;tent 0anks ha!e implemented Basel II norms related to enhan<ing internal <ontrol in the 0anks=

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6overing different aspects of risk assessment Identifying keys for effective risk management #o understand the challenges and impact of Implementing 0asel II #o analyze the current progress of 0asel II in 7ubli"

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Literature Revie! /ata collection Primary information5 Personal intervie!( 8uestionnaire Secondary information5 #hrough internet$ )anuals$ 9ournals$ 4udit(4nnual reports #he 0enefits and limitation of 0asel II #he 6hallenges of Implementing 0asel II Impact of 0asel II Research method %indings and suggestions 6onclusion