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.
Manapuram NEELA NAGALAXMI, M. Rajitha· International Journal of Cre...· 0 citations
Foreign exchange risk has become one of the most significant financial challenges for organizations involved in international trade, foreign investment, and cross-border financial transactions. Exchange rate fluctuations directly affect import costs, export earnings, profitability, cash flows, and overall business performance. This study examines the emerging trends in managing foreign exchange risk in India by analysing various types of currency risks, modern hedging techniques, derivative instruments, technological innovations, and regulatory developments. A descriptive research design was adopted using both primary and secondary data collected from 100 respondents through a structured questionnaire. For analytical purposes, Multiple Regression Analysis was applied to examine the influence of hedging strategies, technological adoption, and regulatory support on effective foreign exchange risk management. The findings indicate that forward contracts, currency futures, options, swaps, artificial intelligence, digital treasury management systems, fintech solutions, and regulatory initiatives significantly strengthen foreign exchange risk management. The study concludes that technology-driven financial solutions and strategic risk management practices enhance organizational resilience, financial stability, and global competitiveness.
Malle Jayanth Yadav, M. Rajitha· International Journal of Cre...· 0 citations