Journal Press India^®

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In this modern era, banks encounter various financial crises and challenges in its operation due to volatile market conditions, technological advancement, changing customer needs, financial sector reforms and so on. The major concern of the co-operative bank is the mounting amount of Non-performing assets (NPAs). Hence banks should adopt a systematic risk management system to manage the overall risk exposure associated with banking operation. The present study attempted to analyse the various aspects of the risk management system and trends of Non-performing assets in co-operative banks in India for the period of 2011 to 2018. The data has been analysed through statistical tools such as tabulation and line graphs. The study observed that the gross NPA of urban co-operative banks decreased over the period. On the contrary, net NPA of urban co-operative banks increased for the period 2011 to 2018.

Keywords

Risk management; Credit risk; Liquidity risk; Operational risk; Non-performing assets

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