fRONT PAGES

A
PROJECT REPORT
ON
CREDIT RISK MANAGEMENT
AT
ULTRATECH CEMENT
Submitted
To
IN PARTIAL FULFILLMENT FOR THE AWARD OF

THE DEGREE OF THE
MASTER OF BUSINESS ADMINISTRATION
BY
DHODDI KUMAR
Roll No. : 225414672049
UNDER THE GUIDANCE
Mrs. SHAMA YASMEEN
Associate Professor
GLOBAL EDUCATION CENTRE (MBA)

(Approved by AICTE, Affiliated to Osmania University)
Beside Moinabad Police Station, Chilkur (V) Moinabad,
Rangareddy District – 501 504
2014 - 2016
DECLARATION
I hereby declare that this Project Report entitled “CREDIT RISK
MANAGEMENT” from ULTRATECH CEMENT PVT LTD “submitted in
partial fulfillment of the requirements for the award of degree Master of Business
Administration under supervision and guidance of Mrs. Shama Yasmeen during
the academicyear 2014-2016., Previouslt this report or any part has not been used
for the basis of any degree, diploma or other similar title.
Place:
Date:
Dhoddi Kumar
ACKNOWLEDGEMENT
I. Dhoddi Kumar take this opportunity to thank all those who have helped me in the
preparation and successful completion of this project work.
I am thankful to the management Ultratech Cement company for their valuable
advice and supervision in the preparation of this project report.
I am also thankful to Mr. Mohammed Abdul Nayeem Principal of Global
Education Center School Of Business Management, Hyderabad. for his valuable
guidance during the course of MBA.
I sincerely express my heartful thanks and gratitude to my assistant Prof Mrs Shama
Yasmeen, Asst. Professor Global Education Center [mba]. For his regular guidance
supervision and constant help.without her close supervision& academic excellence the
project would have not been finalized.
Above all I cannot forget the dedicated nature of my family members and friends who
have cooperated with me in all aspects ,finalization of my project work

CONTENTS
S.NO CONTENTS P.No

List of Tables
List of Graphs
CHAPTER - 1 INTRODUCTION 1-7
CHAPTER – 2 REVIEW OF LITERATURE 8-37
CHAPTER – 3 RESEARCH METHODOLOGY 38-42
 Need and Importance of the Study
 Objective of the Study
 Scope and Period of the Study
 Methods of Data Collection
 Sample Size
 Analysis Techniques
 Limitation of the Study
CHAPTER 4 INDUSTRY/COMPANY PROFILE 43-69
CHAPTER – 5 DATA ANALYSIS & 70-85
INTERPRETATION
CHAPTER – 6 FINDINGS 86-88
SUGGESTIONS
CONCLUSIONS
CHAPTER - 7 BIBLIOGRAPHY 89
CHAPTER - 8 SYNOPSIS 90-91
ABSTRACT
Credit risk is most simply defined as the potential that a bank borrower or
counterparty will fail to meet its obligations in accordance with agreed terms.
The goal of credit risk management is to maximize a bank's risk-adjusted rate
of return by maintaining credit risk exposure within acceptable parameters.
Banks need to manage the credit risk inherent in the entire portfolio as well as
the risk in individual credits or transactions. Banks should also consider the
relationships between credit risk and other risks. The effective management of
credit risk is a critical component of a comprehensive approach to risk
management and essential to the long-term success of any banking
organization. For most banks, loans are the largest and most obvious source of
credit risk; however, other sources of credit risk exist throughout the activities
of a bank, including in the banking book and in the trading book, and both on
and off the balance sheet. Banks are increasingly facing credit risk (or
counterparty risk) in various financial instruments other than loans, including
acceptances, interbank transactions, trade financing, foreign exchange
transactions, financial futures, swaps, bonds, equities, options, and in the
extension of commitments and guarantees, and the settlement of transactions.
Since exposure to credit risk continues to be the leading source of problems in
banks world-wide, banks and their supervisors should be able to draw useful
lessons from past experiences. Banks should now have a keen awareness of the
need to identify, measure, monitor and control credit risk as well as to
determine that they hold adequate capital against these risks and that they are
adequately compensated for risks incurred. The Basel Committee is issuing this
document in order to encourage banking supervisors globally to promote sound
practices for managing credit risk. Although the principles contained in this
paper are most clearly applicable to the business of lending, they should be
applied to all activities where credit risk is present.
LIST OF TABLES
S.NO TABLES P.No
1 DTR from 2011 to 2015 71
2 ACP from 2011 to 2015 73
3 Calculation of Increase in Credit Period 2011 74

LIST OF GRAPHS
S.NO GRAPHS P.No
1 DTR from 2011 to 2015 71
2 ACP from 2011 to 2015 73
3 Credit Period 75

fRONT PAGES

Uploaded by

Copyright:

Available Formats

fRONT PAGES

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

fRONT PAGES

Uploaded by

Copyright:

Available Formats

A

IN PARTIAL FULFILLMENT FOR THE AWARD OF

GLOBAL EDUCATION CENTRE (MBA)

I hereby declare that this Project Report entitled “CREDIT RISK

MANAGEMENT” from ULTRATECH CEMENT PVT LTD “submitted in

Administration under supervision and guidance of Mrs. Shama Yasmeen during

for the basis of any degree, diploma or other similar title.

preparation and successful completion of this project work.

I am thankful to the management Ultratech Cement company for their valuable

advice and supervision in the preparation of this project report.

I am also thankful to Mr. Mohammed Abdul Nayeem Principal of Global

Education Center School Of Business Management, Hyderabad. for his valuable

guidance during the course of MBA.

project would have not been finalized.

have cooperated with me in all aspects ,finalization of my project work

S.NO CONTENTS P.No

S.NO TABLES P.No

1 DTR from 2011 to 2015 71

2 ACP from 2011 to 2015 73

3 Calculation of Increase in Credit Period 2011 74

4 Calculation of Increase in Credit Period 2012 77

5 Calculation of Increase in Credit Period 2013 79

6 Calculation of Increase in Credit Period 2014 82

7 Calculation of Increase in Credit Period 2015 84

S.NO GRAPHS P.No

1 DTR from 2011 to 2015 71

2 ACP from 2011 to 2015 73

You might also like