Abstract: Credit risk analysis is very important in every organization in order to manage the risk. Every organization should develop a proper credit analysis methodology to avoid future loss. The scope of the study limited to Hanumanthanagar co-operative bank and their customers.
The present study is about the Credit risk analysis of Hanumanthanagar co-operative banks. There is a need to understand the risk involved in lending the credit to the borrower by the bank to make sure that the loan lent will not be set as default. And to find out the necessary measures that how the bank can minimize the risk involved in its lending. The various aspects the bank needs to analyze while lending the loan in order to reduce its loan and maintain the profitability.

Keywords: Credit Risk. NPA, T test, exposure at default

| DOI: 10.17148/IARJSET.2022.9804