A STUDY ON CREDIT RISK MANAGEMENT AND PROFITABILITY OF STATE BANK OF INDIA

Abstract

Credit risk management refers to how banks manage their advances and investments; it helps banks understand the risk they can afford to take when extending credit to borrowers. In this study, the SBI bank's credit risk management was examined; descriptive research methods were employed, and secondary data was collected; tools for analysis included the Karl Persons coefficient, capital adequacy ratios, and asset quality ratios; data from 2018 to 2023 was taken into consideration; the results showed that the SBI bank manages its capital and assets well over the previous five year.