Financial institutions have found difficulties over the years for a multitude of reasons; the major cause of serious banking problems continues to be directly related to lax credit standards for borrowers and counterparts or a lack of attention to changes in economic or other circumstances that can lead to deterioration in the credit standing of bank's counter parties. The goal of Credit Risk Management is to maximize banks risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. The axle of this study is to have a clearer picture of how cooperative bank manage their credit risks. The purpose of this study primary data was collected through 40 bank manager and 400 bank customers with the help of Structure questionnaire and descriptive research design was adopted. Secondary data was also used to collect information on performance of selected DCCBs in Meerut Division, Uttar Pradesh were used to analyze for five years (2011–2016). The variable of the study were Interest income, Recovery performance Return on Asset (ROA and NPL used as credit risk indicator. The regression model was used for hypothesis testing.
Credit risk management Return on assets Non performing loan Interest Income Recovery Performance
