A Study on Credit Risk Management at HDFC Bank, Tumkur.

Abstract

The research mainly focused on the risk involved that the bank need to be faced while lending loans to the customers and bank have to frame the strategies and methods to reduce the risk that arises out of lending. The information regarding the finance is been derived from financial statement such as Balance sheet and profit and loss account of HDFC bank. Analysis of data is made for four years that is from 2014 to 2017 is been collected from the annual report of the bank. It can be found that the bank manages its credit risk in appropriate manner which is clear by the amount of loss of NPA. There exists some non performing assets but in the last four years bank have never experienced any loss arising out of such loans. The bank manages its credit risk in appropriate manner can be found as there is there is no much loss to the bank because of lending. Bank has a well planed mechanism and strategies for managing the credit risk.