Upload
wilfred-dsouza
View
214
Download
1
Embed Size (px)
Citation preview
SHREE DEVI INSTITUTE OF TECHNOLOGY
SYNOPSIS ON THE TOPIC
A STUDY ON CREDIT RISK MANAGEMENT
MANGALORE
BY
PRASAD P K
4SH12MBA48
KARAMBAR HOUSE
BAJPE POST, MANGALORE
574142
PH:
Email id:
INTERNAL GUIDE : EXTERNAL GUIDE:
MR.SUBHASH NAIR MR.BABUILLAVA(BCOM,CAIIB)
PROFFESOR GM SCDCC BANK MANGALORE
MBA DEPT. SDIT
Student Signature Internal Guide
Domain expert Head Of Department
INTRODUCTION:
Credit risk refers to the risk that a borrower will default on any type of debt by failing to make
required payments. The risk is primarily that of the lender and includes
lost principal and interest, disruption to cash flows, and increased collection costs. The loss may
be complete or partial and can arise in a number of circumstances.
About SCDCC BANK:
The Bank was registered in 1913 and started formal functioning from 1914. Puttur was the first
registered office of the bank subsequently it was shifted to Mangalore. The Bank is having 63
Branches including service Branch spreading over the undivided South Canara District at
Mangalore. Passing of Indian Co-operative Societies Act 1912 is an important land mark in the
Co-operative movement in the country. As a result of this, a number of Co-operative Societies
had been organized in the district by the people and question of financing them had to be tackled.
This task in the first instance was undertaken by the Puttur Rural Credit Coop. Society which
was established in June 1912.
But experience soon proved that its constitution and resources were inadequate for this task and
the enthusiastic pioneers who were responsible for ushering it in to existence applied their minds
to the formation of a District Bank with the avowed purpose of financing Primary Societies.
Thus come into existence on 30th November 1913 the South Canara District Central Co-
operative Bank which was formally started on its work on 24th January 1914 with head office at
Puttur. Founded by Late Molahalli Shiva Rao, the Bank was started in 1914 as 7th Central Coop.
Bank in the erstwhile Madras presidency at Puttur which was later shifted to Mangalore in
1927.Late Molahalli Shiva Rao, Father of the Coop. Movement of the District and his team of
selfless workers were responsible for the establishment and development of the Bank and also
several Coop.
Institutions like Primary credit Co-operative, Consumers, Marketing , Industrial and other
Societies. The dedicated, sincere, selfless work of the Veteran Co-operators helped the
movement to spread far and wide and served the necessities of all the villages in the district
resulting in a strong base for the Co-operative Institution and the Co-operative movement.
Started under his able and spirited guidance, the Bank had grown, developed and marched
through progressive path and has reached a new height of achievement. The Silver Jubilee
Celebration in 1939,Golden Jubilee in 1964, Diamond Jubilee in 1974, Platinum Jubilee
Celebration in 1991 were the important land marks of the progress and milestone of the progress
achieved by the Bank.
OBJECTIVES:
To study credit risk mgt at banking sector
Study expected n unexpected loss of credit
To study dif credit rating method n understanding credit rating procedure used in SCDCC
Bank
To gain insight into credit risk activities of SCDCC Bank.