A Study on the Scope and Importance of Credit Risk Management in the South Indian Bank Ltd

NAGALAXMI, MANAPURAM NEELA

doi:https://doi.org/10.55041/ijcope.v2i8.052

Volume 02, Issue 8

Published on: August 2026

A STUDY ON THE SCOPE AND IMPORTANCE OF CREDIT RISK MANAGEMENT IN THE SOUTH INDIAN BANK LTD

MANAPURAM NEELA NAGALAXMI

M RAJITHA

Dept of MBA,

Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401.

DOI:https://doi.org/10.55041/ijcope.v2i8.052

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Plagiarism Passed Peer Reviewed Open Access

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Abstract

Credit risk management is an essential function of banking institutions because it helps minimize loan defaults, protect financial assets, and ensure long-term profitability. This study examines the scope and importance of credit risk management in The South Indian Bank Ltd. by analysing credit appraisal practices, loan monitoring, borrower assessment, recovery mechanisms, regulatory compliance, and overall banking performance. The study adopted a descriptive research design using both primary and secondary data collected from 100 respondents through a structured questionnaire. Multiple Linear Regression Analysis was selected as the statistical tool to examine the influence of credit risk management practices on banking performance. The findings indicate that effective credit risk management significantly improves financial stability and operational efficiency.

How to Cite this Paper

NAGALAXMI, M. N. (2026). A Study on the Scope and Importance of Credit Risk Management in the South Indian Bank Ltd. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(8), 1-9. https://doi.org/10.55041/ijcope.v2i8.052

NAGALAXMI, MANAPURAM. "A Study on the Scope and Importance of Credit Risk Management in the South Indian Bank Ltd." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 8, 2026, pp. 1-9. doi:https://doi.org/10.55041/ijcope.v2i8.052.

NAGALAXMI, MANAPURAM. "A Study on the Scope and Importance of Credit Risk Management in the South Indian Bank Ltd." International Journal of Creative and Open Research in Engineering and Management 02, no. 8 (2026): 1-9. https://doi.org/https://doi.org/10.55041/ijcope.v2i8.052.

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References

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Kumar, S., & Verma, A. (2020). Credit appraisal and loan portfolio management in commercial banks. Journal of Financial Services Research, 16(1), 28–42.

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Singh, M., & Mehta, R. (2022). Risk management and financial stability in the Indian banking sector. Journal of Banking and Risk Management, 20(2), 34–49.

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Jain, R., & Malhotra, S. (2024). Emerging trends in credit risk management and banking performance. Journal of Banking and Financial Management, 22(1), 18–33.

Ethical Compliance & Review Process

•All submissions are screened under plagiarism detection.
•Review follows editorial policy.
•Authors retain copyright.
•Peer Review Type: Double-Blind Peer Review
•Published on: Aug 06 2026

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