1Research Scholar, Dept. of Studies & Research in Commerce, Tumkur University, Tumkur
2Associate Professor, Dept. of P.G. Studies in MBA, Visvesvaraya Technological University, Jnanasangam, Belgaum
Online published on 11 December, 2015.
In the course of their operations, banks are invariably faced with different types of risks that may have a potentially negative effect on their business. Risk management in bank operations includes risk identification, measurement and assessment, and its objective is to minimize negative effects risks can have on the financial result and capital of a bank. Banks are therefore required to form a special organizational unit in charge of risk management. Also, they are required to prescribe procedures for risk identification, measurement and assessment, as well as procedures for risk management. During the year ended March 2015, banking business slowed down with a decline in both deposit and credit growth. The ratio of gross non-performing advances (GNPAs) of scheduled commercial banks (SCBs) marginally increased between September 2014 and March 2015. The present paper focuses on detail study of credit risk faced by all the sectors of banks particularly in 2014–2015 and the measures taken by banks to recover NPA's.
Credit Risk Management, Non-performing Assets, Public Sector Banks, Private Sector Banks, Foreign Banks
