A Study on Credit Evaluation of Loans and Advances at Bangalore City Co-operative Bank, Bengaluru.

Abstract

A key topic that plays an important role in understanding and assessing the overall capacity and performance of a given bank is to study credit rating techniques for loans and loans. As a result, this topic was selected as a summer project. This project was carried out at the Cooperative Bank of Bangalore City. Managing Credit Management Loans and loans technology is a very broad subject and a very important concern in the banking sector and it is impossible to understand all the concepts at one time. The purpose of this study is to understand the data of recent years. Data relating to the progress of the bank in various sectors of the priority and non-priority sectors and the amount of the proportional increase in the duration of the loan. The next part of the report is devoted to knowledge about cooperative banks. Includes the history of the BCCB bank and the services provided by the bank. He then briefly introduces the BCCB and provides the next part of the report which includes the history, management, objectives and financial situation of the bank. The following sections provide information on loans and credit facilities provided by your bank. This section covers the different types of loans offered by the bank, the details of these loans, the procedures for recovering them, the actual locations of the banks and the recommendations in the borrowing area, as well as the co-ordinates of the co-operative banks. various suggestions and suggestions for improvement. Researchers used financial statements, annual reports and financial documents as baseline data for conducting research activities. The annual report for the last four years has been taken into account for the research.