Credit Risk Management in Indian Banks: A Comparative Analysis

The study carried out an empirical investigation into the impact of credit risk on the performance of commercial banks in India over the period of 11 years (2002-03 to 2012-13). Twenty commercial banks were selected on a cross sectional basis for eleven years. Multiple regression analysis was used to estimate the impact of credit risk management in public and private sector banks of India. The results showed that the credit risk management has a positive effect on the performance of public and inverse effect on the performance of private sector banks. The Paper evaluates in detail the Credit risk profile of top ten public sector banks and top ten private sector banks.