A Study on Credit Risk Management of Bhavasara Kshtriya Co-Operative Bank Limited, Bangalore
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Date
2016-08-17T14:34:51Z
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Bahavsara Kshatriya Co-operative Bank is one of the oldest co-operative bank serving its community. It was recognized on 20th April 1966 as “Bhavasara Kshatriya Co-operative Bank”. The bank is under the control of state co-operative bank as per act. Rules and regulations are according to RBI and state government control. The main motto was to provide financial assistance to the community. Under the great gospel of “ONE FOR ALL AND ALL FOR ONE”
The management of credit risk is a significant aspect to be considered by any lending institution especially in banking sector. Every decision that is associated with lending is always associated with the risk. Risk cannot be measured in perfection or with any terms or units. It can only be assessed and analyzed on the basis of information that is available.
The main objective of the study is to understand and gain insights into the credit risk management and its activities of the Bhavasara Kshatriya Co-operative Bank. The study is to draw up some suitable strategies at the business level to accomplish and attain the levels of exposure, standards and amount of recovery on loans measured in terms of percentages. The study also covers NPA levels and also assess the risk that is associated with it. This helps the banks to develop healthy portfolios and guards them against the sickness.
The study can help the bank in identifying the crucial aspects through which it can reduce risk by diversifying its portfolio through lending loans to too many sectors instead of issuing it to only selected sectors.
The research conducted can be followed up by informing the bank about the risk, and the measures that the bank should take to reduce the risk and also to reduce the NPA levels. Whenever the bank is able to recover more loans, it will be in s good position because the bank’s NPA levels are decreased.
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A Study on Credit Risk Management of Bhavasara Kshtriya Co-Operative Bank Limited, Bangalore, Mithun S, 1NH14MBA80