CHAPTER-I

1.INTRODUCTION TO CREDIT RISK MANAGEMENT

1.1 Introduction

1.2 Importance Of Credit Risk

1.3 Statement Of The Problem

1.4 Types Of Credit Risk

1.5 Mitigation Of The Credit Risk9-22

2.A Conceptual Framework Of Credit RiskManagement

2.1 Introduction

2.2 Concepts Of Credit

2.3 Credit Definition

2.4 Characteristics Of Credit

2.5 Research Design

2.6 Scope Of the Study

2.7 Objectives Of the study

2.8 Difficulties face to Credit RiskManagement

2.9 Challenges for Credit Risk Management

2.10 Significance Of Risk Management InBanks

2.11 Aspects Of Credit Risk Management

2.12 Prudential Norms for IncomeRecognition, Asset Classification andProvisioning (IRAC)

Norms

2.13 Management of NPA

2.14 Capital Adequacy Norms

2.15 Recovery Measures

2.16 Conclusion23-41

3.Principles And Regulation Of Credit RiskManagement

3.1 Introduction

3.2 Concept of Credit Risk

3.3 Principles Of Credit Risk

3.4 Establishing an Appropriate Credit riskManagement

3.5 Operating Under a Sound Credit GrantingProcess

3.6 Maintaining an appropriate CreditAdministration, Measurement and MonitoringProcess

3.7 Ensuring adequate controls over credit risk

3.8 Role of supervisor of the banking system42-58

4.Analysis & Interpretations

4.1 To Review the Existing Practices of RiskManagement in Indian Banks

4.2 To Find Out Recurring Common Riskincidents & The Causes For The Same

4.3 Analysis Relating To First Objective

4.4 Analysis Relating To Second Objective

4.5 Analysis Relating To Third Objective

4.6 Analysis Relating To Fourth Objective

4.7 Analysis Relating To Fifth Objective59-675

Suggestions & Conclusion 68-75