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Title: :  An Empirical Association between the Credit Risk Management and Banks’ Profitability
PaperId: :  16850
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 8 Issue 3 2022
DUI:    16.0415/IJARIIE-16850
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Amisha KumariResearch Scholar, Department of Commerce and Business Management, Veer Kunwar Singh University, ARA Bhojpur Bihar
Dr. Dharmendra TiwariProfessor, Department of Commerce and Business Management, Veer Kunwar Singh University, ARA Bhojpur Bihar

Abstract

COMMERCE
Return on Assets; Non-Performing Assets; Profitability; Return of Equity; Credit Risk
In the last several decades, the banking industry has been hit by numerous financial crises. Due to the banking system's financial crisis, which impacted many nations throughout the world, credit risk management has received a lot of traction. Because credit risk dictates a bank's existence, development, and profitability, it must be handled carefully and properly. The goal of this study is to see if there is an empirical link between credit risk management and bank profitability. Return on assets and return on equity are used as dependent factors, whereas credit risk management indicators such as capital adequacy ratio, non-performing assets ratio, and leverage ratio are used as independent variables. The Reserve Bank of India's database and official website were used to gather secondary data. Descriptive statistics, analysis of variance (ANOVA), correlation analysis, and multiple regressions were utilised in the study. It was discovered that bank profitability (ROA & ROE) has a positive and substantial association with CAR, but NPA has a negative and significant link with CAR. On the other side, there is no substantial association between profitability performance (ROA & ROE) and LR. The findings show that non-performing loans, which may expose banks to a lot of volatility, and the global financial crisis have a negative impact on bank profitability.

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IJARIIE Amisha Kumari, and Dr. Dharmendra Tiwari. "An Empirical Association between the Credit Risk Management and Banks’ Profitability" International Journal Of Advance Research And Innovative Ideas In Education Volume 8 Issue 3 2022 Page 1693-1697
MLA Amisha Kumari, and Dr. Dharmendra Tiwari. "An Empirical Association between the Credit Risk Management and Banks’ Profitability." International Journal Of Advance Research And Innovative Ideas In Education 8.3(2022) : 1693-1697.
APA Amisha Kumari, & Dr. Dharmendra Tiwari. (2022). An Empirical Association between the Credit Risk Management and Banks’ Profitability. International Journal Of Advance Research And Innovative Ideas In Education, 8(3), 1693-1697.
Chicago Amisha Kumari, and Dr. Dharmendra Tiwari. "An Empirical Association between the Credit Risk Management and Banks’ Profitability." International Journal Of Advance Research And Innovative Ideas In Education 8, no. 3 (2022) : 1693-1697.
Oxford Amisha Kumari, and Dr. Dharmendra Tiwari. 'An Empirical Association between the Credit Risk Management and Banks’ Profitability', International Journal Of Advance Research And Innovative Ideas In Education, vol. 8, no. 3, 2022, p. 1693-1697. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/An_Empirical_Association_between_the_Credit_Risk_Management_and_Banks’_Profitability_ijariie16850.pdf (Accessed : ).
Harvard Amisha Kumari, and Dr. Dharmendra Tiwari. (2022) 'An Empirical Association between the Credit Risk Management and Banks’ Profitability', International Journal Of Advance Research And Innovative Ideas In Education, 8(3), pp. 1693-1697IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/An_Empirical_Association_between_the_Credit_Risk_Management_and_Banks’_Profitability_ijariie16850.pdf (Accessed : )
IEEE Amisha Kumari, and Dr. Dharmendra Tiwari, "An Empirical Association between the Credit Risk Management and Banks’ Profitability," International Journal Of Advance Research And Innovative Ideas In Education, vol. 8, no. 3, pp. 1693-1697, May-Jun 2022. [Online]. Available: https://ijariie.com/AdminUploadPdf/An_Empirical_Association_between_the_Credit_Risk_Management_and_Banks’_Profitability_ijariie16850.pdf [Accessed : ].
Turabian Amisha Kumari, and Dr. Dharmendra Tiwari. "An Empirical Association between the Credit Risk Management and Banks’ Profitability." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 8 number 3 ().
Vancouver Amisha Kumari, and Dr. Dharmendra Tiwari. An Empirical Association between the Credit Risk Management and Banks’ Profitability. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2022 [Cited : ]; 8(3) : 1693-1697. Available from: https://ijariie.com/AdminUploadPdf/An_Empirical_Association_between_the_Credit_Risk_Management_and_Banks’_Profitability_ijariie16850.pdf
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