“a study of credit assessment in dena bank”

8/9/2019 “A STUDY OF CREDIT ASSESSMENT IN DENA BANK”

http://slidepdf.com/reader/full/a-study-of-credit-assessment-in-dena-bank 1/48



ACKNOWLEDGEMENT

M% &')*+* ,/& +,',* ,3 3+ )344**$ G43, I&,',,* 35

M*6*, S,'*& # R*&*+)$ D'+*),3+$ D+. K.D.MEHRU 6% 7+38*),

'* P+35. KARTIK MHA"ARKAR 53+ 7+39'' ', ,* *)*&&+%

&773+, ,* ,'6*4% ')* +*;'+* 53+ ,* &))*&&54 )3674*,'3 35 ,'&

7+38*),.

I 5+,*+ *<7+*&& 6% ,/& ,3 M+. (C367% 7+38*), '* 6*! , DENA

BANK 53+ '9' 6* ,* 3773+,',% ,3 )++% 3, 6% 7+38*), ' ,* +*&7*),'9*

*7+,6*, ') & 5+,*+ *)* 6% /34** 35 ,* &=8*), =3,

,*3+*,')44% 7+),')44% L&, =, 3, ,* 4*&,$ I 34 4&3 4'/* ,3 ,/

6% 7+*,& 53+ ,*'+ )3&'&,*, 7+*&*)* *47 , 44 ,'6*&.

SAGAR ASHOK SURWADE

.



DECLARATION

I$ SAGAR ASHOK SURWADE $ ,* *+&'*$ &,*, 35 Gahlot

Institut o! Mana"#nt Stu$is % Rsa&'h( Ko)&*hai&an( *)4+*

,, ,'& 7+38*), +*73+, ,',4* >STUDY ON LOAN DE+ARTMENT IN

DENA BANK ? & &=6',,* =% 6* ' 7+,'4 545'446*, 53+ ,*

+*;'+*6*, 35 ,* )3+&* 35 M&,*+ 35 M*6*, S,'*&. T'& '& 6%

3+''4 3+/ & 3, =** 7+*9'3&4% &=6',,* & 7+, 35 3,*+

*+** 3+ '7436 35 3,*+ B&'*&& &)334 3+ U'9*+&',%.

T* 5''& )3)4&'3& 35 ,'& +*73+, +* *,'+*4% =&* 3 6%

7*+&34 &,% *<7*+'*)*.

SAGAR ASHOK SURWADE



CERTIFICATION

T'& '& ,3 )*+,'5% ,, M+. SAGAR ASHOK SURWADE $ &,*, 35 G43,

I&,',,* 35 M*6*, S,'*& # R*&*+) & &))*&&544% )3674*,* ,*

&66*+ ',*+&'7 7+38*), *,',4*? STUDY ON LOAN DE+ARTMENT

IN DENA BANK ” ' 7+,'4 545'446*, 35 +*;'+*6*, 53+ ,* )3674*,'3 35

M&,*+ 35 M*6*, S,'*& & 7+*&)+'=* =% ,* U'9*+&',% 35 M6='.

@@@@@@@@@@@@@@@@@@@@@@@ @@@@@

@@@@@@@@@@@@@@@@

I,*+4 P+38*), G'* D'+*),3+

D,*:

@@@@@@@@@@@@@@



E,ECUTI-E SUMMARY

C+*', +'&/ '& *5'* & ,* 73,*,'4 ,, =/ =3++3*+ 3+

)3,*+7+,% '44 5'4 ,3 6**, ',& 3=4','3& ' ))3+)* ', +** ,*+6&$ 3+

' 3,*+ 3+& ', '& *5'*& ,* +'&/ ,, 5'+6& )&,36*+ ,* 7+,'*& ,3

') ', & 4*, 63*% '44 5'4 ,36/* 7+36'&* 7%6*,& '& /3 & )+*',

+'&/.

T* *<73&+* ,3 ,* )+*', +'&/& 4+* ' )&* 35 5')'4

'&,',,'3&$ &) )366*+)'4 =/& * 5'+6& =3++3 63*% ,*% ' ,+

*<73&* 4**+& ,3 )+*', +'&/$ ,* +'&/ ,, ,* 5'+6 '44 *54, 3 ',& 7+36'&*

7%6*,&. A& )3&*;*)*$ =3++3' *<73&*& ,* 5'+6 3*+& ,3 ,* +'&/ ,,

5'+6 '44 =* =4* ,3 7% ',& *=, ,& =* 53+)* ,3 =/+7,)%.

T* 7+38*), *47& ' *+&,' ,* )4*+ 6*' 35 )+*', R'&/

M*6*, I D* B/. I, *<74'& =3, ,* )+*', +'&/ &)3+' R,'

35 ,* B/. A 4&3 S,% 35 )367+,'9* &,% 35 C+*', P34')% ', ,, 35

',& )367*,',3+ *47& ' *+&,' ,* 5'+ )+*', 734')% 35 ,* B/

C+*', R*)39*+% 6*6*, 35 ,* B/& 4&3 ',& /*% )367*,',3+&.



Ta.l o! 'ontnts/

+a" Nos0

Cha)t& 1/

I! I,+3),'3 1

II! O=8*),'9* O5 ,* S,%

III! N** O5 ,* P+38*),

I"! S)37* O5 ,* P+38*),

"! R*&*+) M*,3343%

"I! L'6',,'3& O5 ,* 7+38*),

Cha)t& II/

I! C367% P+35'4*

II! O+ ','3 C+, 12

III! B**5',& '9* =% ,* C367% 1

Cha)t& 2III/

I! T*3+*,')4 B)/+3 1

II! D, A4%&'& # I,*+7+*,,'3 22



Cha)t& 2 I-/

I! F''&

II! S*&,'3& 0

BANKING INDUSTRY

O"ER"IEW

B'=4'3+7% 1



INDUSTRY O-ER-IEW

3isto&4/

B/' ' I' & ',& 3+'' & )++% & ,* "*') 7*+'3. I, '&

=*4'*9* ,, ,* ,+&','3 5+36 63*% 4*' ,3 =/' 6&, 9* 3))++*

*9* =*53+* M$ ,* +*, H' 8+'&,$ 3 & *93,* &*),'3 35 '& 3+/

,3 *73&',& 9)*& 4' 3 +4*& +*4,' ,3 ,* ',*+*&,. D+' ,*

634 7*+'3$ ,* ''*3& =/*+& 74%* 9*+% '673+,, +34* ' 4*'

63*% 5')' 53+*' ,+* )366*+)*. D+' ,* %& 35 E&, I'

C367%$ ', & ,3 ,+ 35 ,* *)% 3&*& ,37 )++% 3 ,* =/' =&'*&&.

T* **+4 =/ 35 I' & ,* 5'+&, 83', &,3)/ =/ ,3 =* *&,=4'&* ' ,*

%*+ 1.T* 3,*+& ') 53443* *+* ,* B/ 35 H'&, ,*

B*4 B/. T* B/ 35 H'&, '& +*73+,* ,3 9* )3,'* ,'44 10$

'4* ,* 3,*+ ,3 5'4* ' ,* 6*,'6*. I ,* 5'+&, 45 35 ,* 1, C*,+%

,* E&, I' C367% *&,=4'&* ,+** =/& T* B/ 35 B*4 ' 10$

T* B/ 35

B36=% ' 10 T* B/ 35 M+& ' 1.T*&* ,+** =/& 4&3

/3 & 7+*&'*)% =/& *+* '*7**, ',& 5),'3* *44.



T*&* ,+** =/& *+* 646,* ' 120 T* I67*+'4 B/ 35 I'

& *&,=4'&* 3 ,* 2 ,J 121$ ', ,* 7&&' 35 ,* SBI A), ' 1$ ,*

*+,/' 35 T* I67*+'4 B/ 35 I' & ,/* 39*+ =% ,* *4%

)3&,',,* SBI. T* R*&*+9* B/ ') '& ,* C*,+4 B/ & )+*,* '

1 =% 7&&' 35 RBI A), 1$ ' ,* /* 35 &*&' 639*6*,$

6=*+ 35 =/& ', I' M*6*, *+* *&,=4'&* ' ,* )3,+%

6*4% P8= N,'34 B/ L,$ B/ 35 I' L,$ C+ B/ L,$ I'

B/ L,$ ,* B/ 35 B+3 L,$ T* C*,+4 B/ 35 I' L, .O J4% 1,

1$ 1 M83+

B/& 35 ,* )3,+% *+* ,'34'* ' 1, A7+'4 10 &'< 63+*

)366*+)'4 7+'9,* &*),3+ =/& *+* 4&3 ,/* 39*+ =% ,* 39*+6*,. T*

I' B/' '&,+%$ ') '& 39*+* =% ,* B/' R*4,'3 A), 35

I' 1$ ) =* =+34% )4&&'5'* ',3 ,3 683+ ),*3+'*&$ 3-&)*4*

=/& &)*4* =/&.S)*4* B/& )367+'&* )366*+)'4 =/&

,* )3-37*+,'9* =/&.

T* 3+'* =/' &%&,*6 ' I' ) =* =+34% )4&&'5'* ',3 ,+**

),*3+'*&: ('!C366*+)'4 B/& (''! R*'34 R+4 B/& ('''! C3-

37*+,'9* =/&. T* R*&*+9* B/ 35 I' '& ,* &7+*6* 63*,+%

=/' ,3+',% ' ,* )3,+% & ,* +*&73&'='4',% ,3 )3,+34 ,*

=/' &%&,*6 ' ,* )3,+%. I, /**7& ,* +*&*+9*& 35 44 )366*+)'4 =/&

*)* '& /3 & ,* >Rs&5 Ban* ?.

T* I' B/' R*4,'3 A), 35 1 *5'*& ,* ,*+6 B/'

C367% & A% )367% ') ,+&),& =/' =&'*&& ' I' ,*

,*+6 =/' & A'')tin" !o& th )u&)os o! ln$in" all in5st#nt o!

$)osits( o! #on4 !&o# th )u.li'( &)a4a.l on $#an$ o& oth&6is an$

6ith$&a6al .4 'h7u( $&a!t o& oth&6is80

B/& 74% '673+,, +34* ' *)336') *9*4376*, 35 )3,+%$ 4'/*:

• B/& 63='4'&* ,* &644 &9'& 35 ,* 7*374* 6/* ,*6 9'4=4*

53+ 7+3),'9* 7+73&*&.



• P+363,*& ,* =', 35 &9'& 63 ,* 7*374* ,*+*=% 355*+'

,,+),'9* +,*& 35 ',*+*&,& 3 ,*'+ *73&',&.

• P+39'*& &5*,% &*)+',% ,3 ,* &+74& 63*% 35 ,* *73&',3+&

& *44 7+39'*& )39*'*, *)336')4 6*,3 35 7%6*,.• B/& 7+39'* )39*'*, 6*& 35 ,+&5*+ 35 5 5+36 3* 74)* ,3

3,*+.

• B/ ),& & ',*+6*'+% =*,** ,* *73&',3+& ,* '9*&,3+&.

• B/ 4&3 ),& & 6*',3+ =*,** *<73+,*+ '673+,*+ 3 3*&

53+*' ,+*&.

T& I' =/' & )36* 5+36 43 % 5+36 =*' &4**7% =&'*&&

'&,',,'3 ,3 '4% 7+3-),'9* %6') *,',%. T'& ,+&53+6,'3 &

=** 4+*4% =+3, =3, =% ,* 4+* 3&* 35 4'=*+4','3 *)336')+*53+6& ,, 443* =/& ,3 *<743+* * =&'*&& 3773+,','*& +,*+ ,

**+,' +*9**& 5+36 )39*,'34 &,+*6& ('.*. =3++3' 4*'!.

T* =/' ' I' '& '4% 5+6*,* ', 0 =/' ',& )3,+'=,' ,3

463&, 0 35 *73&',& 0 35 9)*&.

Th St&u'tu& o! In$ian Ban*in"/

T* I' =/' '&,+% & R*&*+9* B/ 35 I' & ',& R*4,3+%

A,3+',%. T'& '& 6'< 35 ,* P=4') &*),3+$ P+'9,* &*),3+$ C3-37*+,'9* =/&

53+*' =/&. T* 7+'9,* &*),3+ =/& +* ' &74', ',3 34 =/&

* =/&.



BA NK I N G I N IND I A

1 C*,+4 B/ R*&*+9* B/ 35 I'



2 N,'34'&* B/&

S,,* B/ 35 I'$ A44= B/$ A+ B/$

B/ 35 B+3$ B/ 35 I'$ B/ 35

M+&,+$C+ B/$ C*,+4 B/ 35 I'$

C3+73+,'3 B/$ D* B/$ I' B/$ I'

39*+&*& B/$O+'*,4 B/ 35 C366*+)*$ P8=

S' B/$ P8= N,'34 B/$ S%'),* B/$

U'3 B/ 35 I'$ U',* B/ 35 I'$ UCO

B/ "' B/.

P+'9,* B/&

B/ 35 R8&,$ B+, 39*+&*& B/$ C,34')

S%+' B/$ C*,+'3 B/ 35 P8=$ C',% U'3

B/$ D*9*4376*, C+*', B/$ D4<6' B/$

F**+4 B/$ G*& B/ 35 K+$ HDFC

B/$ ICICI B/$ IDBI$ I&I B/$ ING "%&%

B/$ J66 K&6'+ B/$ K+,/ B/

L'6',*$ K++ "%&% B/$ K3,*/ M'+ B/$

L/&6'9'4& B/$ L3+ K+'& B/$ N'',/ B/$

R,/+ B/$S4' B/$ SBI C366*+)'4

I,*+,'34 B/$ S3, I' B/$ T6'4 N

M*+),'4* B/ L,.$ U',* W*&,*+ B/$ UTI

B/ YES B/.

OB9ECTI-ES OF +RO9ECT



DATA COLLECTION MET3OD

T3 545'44 ,* 3=8*),'9*& 35 6% &,%$ I 9* ,/* =3, ',3 )3&'*+,'3& 9'

7+'6+% # &*)3+% ,.

+&i#a&4 Data /

• P*+&34 ',*+9'*&

• *&,'3*+'*&

• S+9*%$*,)

S'on$a&4 $ata/ T* , '& )344*),* 5+36 ,* M'*&$ A4 +*73+,&$

I,*+*,$ T*<, =33/&.

T* 9+'3& &3+)*& ,, *+* &* 53+ ,* )344*),'3 35 &*)3+% , +*

• I,*+4 5'4*& # 6,*+'4&.

• .$na.an* .)3.'



LIMITATIONS

1. T* ,'6* )3&,+', & 4'6',' 5),3+$ & 63+* ' *7, 4%&'& )34 3,

=* )++'*.

2. S36* 35 ,* '53+6,'3 '& 35 )35'*,'4 ' ,+* ,, )34 3, =* +*9*4*

53+ ,* &,%.



DENA BANK



INTRODUCTION

D* B/ '& 3* 35 ,* *+4'*&, ,'34'* =/& ' I'.S')* ',& ')*7,'3$ ,* =/ & =*)36* +*3* 6* ' ,*

5'*4 35 =/' 5 ')'4 &34,'3&. I , '&,+&,* 4 4 39*+ ,*

)3,+% =% ,3&& 35 )3&6*+& . B% =*' )& ,36*+ 35

D*B/$ 3* ) *&'4% *83% 5')'4 &,='4',% 4&3 *, 33

+*,+& 3 ,* &*+9')*& ,* 5')'4 &34,'3&.

D* B/ & 53* 3 2, M%$ 1 =% ,* 56'4% 35 D*9/+ N8**

*+ ,* 6* D*9/+ N8** B/' C367% L,0 I, =*)6* P=4')

L,. C367% 'D*)*6=*+ 1 4,*+ ,* 6* & )* ,3 D* B/

L,.

I J4% 1 D* B/ L,. 43 ', 1 3,*+ 683+ =/& &

,'34'* '&3 P=4') S*),3+ B/ )3&,',,* *+ ,*

B/' C367'*& (A);'&','3 #T+&5*+ 35 U*+,/'&! A),$



10. U*+ ,* 7+39'&'3& 35 ,* B/' R*4,'3& A), 1$ '

','3 ,3 ,* =&'*&& 35 =/'$ ,* B/ ) *+,/* 3,*+

=&'*&& & &7*)'5'* ' S*),'3 35 ,* B/' R*4,'3& A),$ 1.

3isto&4/

Dna Ban* & !oun$$ on :;th Ma4( 1<=> =% ,* 56'4% 35 D5*a&an

Nan? *+ ,* 6* D5*a&an Nan? Ban*in" Co#)an4 Lt$0

I, =*)6* P=4') L,. C367% ' D*)*6=*+ 1 4,*+ ,* 6* &

)* ,3 Dna Ban* Lt$0

I J4% 1 Dna Ban* Lt$0 43 ', 1 3,*+ 683+ =/& &,'34'* '& 3 P=4') S*),3+ B/ )3&,',,* *+ ,* B/'

C367'*& (A);'&','3 # T+&5*+ 35 U*+,/'&! A),$ 10. U*+ ,*

7+39'&'3& 35 ,* B/' R*4,'3& A), 1$ ' ','3 ,3 ,* =&'*&& 35

=/'$ ,* B/ ) *+,/* 3,*+ =&'*&& & &7*)'5'* ' S*),'3 35 ,*

B/' R*4,'3& A),$ 1.

Dna Ban* has .n th !i&st Ban* to int&o$u'/

• M'3+ S9'& S)*6*.

• C+*', )+ ' ++4 I' /3 & DENA KRISHI SAKH PATRA

(DKSP!.

• D+'9*-' ATM )3,*+ 35 J$ M6='.

• S6+, )+ , &*4*),* =+)*& ' M6='.

• C&,36*+ +,' &%&,*6 53+ +,' ,* B/ S*+9')*&.



-ISION MISSION AND -ALUE

-ision

D* B/ '44 *6*+* & ,* 63&, 7+*5*++* B/ 35 )&,36*+ )3')* ' ',&

+* 35 37*+,'3&$ =% ',& +*7,,'3 7*+53+6)*.

Mission

D* B/ '44 7+39'* ',&

• C&,36*+& - 7+*6'*+ 5')'4 &*+9')*& 35 +*, 94*$

• S,55 - 73&','9* 3+/ *9'+36*, 3773+,',% 53+ +3,

)'*9*6*,$

• S+*34*+& - &7*+'3+ 5')'4 +*,+&.

• C366',% - *)336') +3,.



-ALUES/

• E<)*44*)* ' )&,36*+ &*+9')*

• P+35', 3+'*,,'3

• B*43' )366',6*, ,3 B/

• R'&/ ,/' '39,'9*

• T*6 74%'

ABOUT LOGO

T* 433 35 Dna Ban* *7'),& Go$$ss La*sh#i( ,* G3*&& 35 W*4,$

))3+' ,3 H' 6%,343%.

I, & ,* *&'+* 35 ,* 53' 5,*+& 35 ,* B/ ,, ,* B/ &34 =*

&%6=34 35 7+3&7*+',% 53+ 44 ',& )4'*,&$ ,* 433 +*7+*&*,& ,'& 7+36'&*.

T* )3,*673++% @D@ ' ,* 433 +*54*),& ,* $4na#is#$ $$i'ation

,* $&i5 ,3+& )&,36*+ &,'&5),'3.



ORGANISATION STRUCTURE



BENEFITS GI-EN BY T3E BANNK

PRODUCTS AND SER"ICES



+RODUCTS

D* B/ +**+& 9+'*,'*& 35 &*+9')*& ,3 )&,36*+& ,+3 ,* 53443'

7+3),&:

Loan +&o$u't

o Dna Ni6as 3ousin" Finan' S'h#

o Dna -i$4a La#i E$u'ational Loan S'h#

o Dna Gol$ Loan S'h#

o Dna T&a$ Finan' S'h#

o Dna Su5i$ha +&sonal Loan S'h#

SER-ICES

Co& Ban*in" So lut ion

Dna ATM S&5i'

Int&nt Ban*in"



Mo.i l Ban*in"

+hon Ban*in"

D#at S&5 i'

Di&'t Ta Col l ' t ion

In$i&'t Ta

Dist& i.ut ion O! Mutual Fun$

LOAN +RODUCTS

1 DENA NIWAS 3OUSING FINANCE SC3EME/

Th $oo&6a4 to 4ou& D&a# 3o#

A Loan !o& $i!!&nt n$s

Y3 ) 9'4 35 D* N'& H36* L3 ,3 7+)&* 743,$ )3&,+), 3&*$

=% +*% ='4, 3&* 3+ =% 3* *+ )3&,+),'3. T* 43 *9* *47& %3

='4 *<,*&'3 ,3 %3+ *<'&,' 3&* 3+ 7+)&* 3&* ,, '& 7 ,3 0

%*+& 34 7+39'* ,* +*6'' 4'5* 35 ,* 3&* '& 63+* , 2 %*+&.

B*&'*& %3 ) ,/* ,'& 43 53+ +*7'+& 7+,'3$ ') ')4*& ,*

)3&, 35 5'<,+*&$ POP 3+/&$ +*,'4'$ 5',,'& *,).

I, *9* '9*& %3 ,* 37,'3 ,3 &'5, *<'&,' 36* 43 ', % 3,*+ B/

3+ F')'4 I&,',,'3.

Y3 +* *4''=4* '5:



• Y3 +* 683+ ''9'4$ +*&'*, 3+ 3-+*&'*,$ 9' +*4+

&3+)* 35 ')36*.

•

Y3+ * 3 ,* 6,+',% 35 ,* 43 '& 4*&& , +*,'+*6*, * '5 %3 +* &4+'* *6743%** # =*43 %*+&$ '5 %3 9* =&'*&&.

• T* ,3,4 *),'3& 3 3, *<)** 0 35 %3+ +3&& ')36*$ ')4'

,* 43 '&,446*, 35 ,* 7+373&* 43.

S73&*&C3-774'),& ')36* ) =* )4==* 53+ *)* *4''='4',%.

Loan A#ount

U7 ,3 R&.200 4/& 53+ ,* 7+)&*)3&,+),'3 35 3&*.

U7 ,3 R&.10 4/& 53+ +*39,'37+,'3.

Ma&"in

1! L3& 4*&& , R&.20 4/& : 10 35 )3&, 35 ,* 3&* 7+37*+,% (*<)4'

&,67 ,%$ +*'&,+,'3 )+*&$ *,)!.

2! R&.20 4/& # =39* : 20 35 )3&, 35 ,* 3&* 7+37*+,% (*<)4'

&,67,%$ +*'&,+,'3 )+*&$ *,)!

Rat o! Int&st

P4*&* C*)/ 3, ,* I,*+*&, R,*& S*),'3 ,3 5' 4,*&, I,*+*&, R,*&

774')=4*.

I,*+*&, C+* 3 D'4% R*)' B4)*

N3 P+*7%6*, C+*&

L3 L'6', 35 R& 200 L)&.

http://www.denabank.com/viewsection.jsp?id=0,3,22,393




P+)&* 35 H3&* 7,3 0 %*+& 34 443*

F43,' R,* L'/* ,3 B&* R,*

R)a4#nt

U7,3 2 %*+&-53+ ,* 7+)&* 35 * 54,3&*)3&,+),'3*<,*&'3.

U7,3 10 %*+&- 53+ +*7'+&$ +*39,'3 7+,'3.

S*)+',%

S'674* *;',=4* 63+,* 35 ,* 3&*54,7+,6*, 3 ') ,* 43 '&9'4*.

+&o'ss Fs/

0.0 35 &),'3* 4'6',.

2! DENA EDUCATION LOAN /

E),'3 L3 - G39*+6*, ',*+*&, &=&'% &)*6*

53+ E)336')44% W*/*+ S*),'3& (EWS!

C39*+* :

EWS ', 77*+ 7+*,4 ')36* 35 R&..0 4/& 7*+ 6.

F3+ +*)3'* T*)')4 P+35*&&'34 C3+&*& ' I' 5,*+ C4&& II &77+39* =% M''&,+% 35 H6 R*&3+)*& D*7+,6*,$ G39*+6*, 35 I'.

C*+,'5'),'3 35 ')36* =% D*&',* ,3+',% ' ,* 7+*&)+'=* 53+6,.



A774')=4* 5+36 )*6') %*+ 200-10.

I,*+*&, S=&'% +' 63+,3+'6 7*+'3 (C3+&* 7*+'3 Q 63,& 1

%*+!.

Th To))& !o& 4ou& 'hil$&ns 3i"h& E$u'ation

E&+* =+', 5,+* 53+ %3+ )'4+*. P+39'* ,*6 ', ,* =*&, 35 '*+

*),'3 ' I' 3+ =+3. A9'4 D* "'% L<6' E),'34 L3.

You a& li"i.l i!/

Y3 +* I' ,'34 9* &*)+* 6'&&'3 ,3 7+35*&&'34 3+

,*)')4 )3+&* ' I' 3+ F3+*' '9*+&',%.

S'674% 4/ ' ', ,* 6+/&**, 35 ,* ;4'5%' *<6. 7+335 35

6'&&'3.

Cou&s Eli"i.ilit4

Stu$4 in In$ia/

G+,'3 )3+&*&$ P3&,-G+,'3 )3+&*&$ M&,*+& # PD$ P+35*&&'34

)3+&*&.

Stu$4 A.&oa$/

G+,'3 : F3+ 83= 3+'*,* 7+35*&&'34 ,*)')4 )3+&*& 355*+* =%+*7,* '9*+&','*&

P3&, G+,'3 : MCA$ MBA$ MS *,).

C3+&*& )3),* =% CIMA-L33$ CPA ' USA *,).

Loan A#ount

U7,3 R&.10 4/& 53+ &,'*& ' I'.

U7,3- R&. 20 4/& 53+ &,'*& =+3.

Loan ta*s 'a& o! /

F** 7%=4* ,3 )344**& &)334& 3&,*4&

E<6','3 L'=++% L=3+,3+% 5**&.

P+)&* 35 =33/&$ *;'76*,$ '&,+6*,& '53+6&.

P&&* 5+* 53+ ,+9*4 =+3.

P+)&* 35 )367,*+& *** ,3 )3674*,* ,* )3+&*.



A% 3,*+ *<7*&* ,3 )3674*,* ,* )3+&* 4'/* &,% ,3+&$ 7+38*), 3+/$

,*&'& *,).

Ma&"in

U7,3 R&. 4/&- NIL 53+ &,% ' I' =+3.

A=39* R&. 4/&- 53+ &,% ' I' 1 53+ &,% =+3.

Rat o! Int&st

P4*&* C*)/ 3, ,* I,*+*&, R,*& S*),'3 ,3 5' 4,*&, I,*+*&, R,*&

774')=4*.

1 ',*+*&, )3)*&&'3 '5 ',*+*&, '& &*+9')* & * * +' ,*

63+,3+'6 7*+'3 * +*7%6*, 34'% '& &7*)'5'*.

SIM+LE INTEREST C3ARGED DURING MORATORIUM +ERIOD0

+&o'ss Fs

R&.1000- 53+ &,'*& =+3 ') '& +*5=4* 3 9'4' ,* 4'6',.

R)a4#nt

F3+ 43& 7,3 R&..0 4/& : U7,3 10 %*+&

F3+ 43& =39* R&..0 4/& : U7,3 1 %*+&

=DENA SU-ID3A +ERSONAL LOAN SC3EME/

Li5 4ou& D&a#s

D* S9' '& ,* '*4 % ,3 545'44 7*+&34 **& 35 %3+ 56'4%. B* ', ,3

5')* 6++'* 3+ 56'4% 5),'3. T3 ,+9*4 3+ )*4*=+,*& 5*&,'94. F3+

6*')4 ,+*,6*, 3+ *),'34 7+73&*&. O+ &'674% 9),'3. E9*





53+*&** *9*,. D* S9' (P*+&34! L3 '& 4%& ,*+* 53+ 44 %3+

**&.

You a& li"i.l i!/

Y3 +* 7*+6*, *6743%** =*,** 2 ,3 %*+& 9' 3+/* 53+ ,

4*&, 2 %*+& ' G39,. 3+ PSU +*7,* 3+','3.

Y3 9* +3&& 63,4% ')36* 35 , 4*&, R&. 1$000-. I)36* 35 % 3,*+

*+' 6*6=*+ ( )3-774'),&! ) =* )4==* 53+ *)* *4''='4',%.

Y3 ) 9* &4+% '&=+&*6*, ++*6*, ', & 3+ 7+39'*

*+,/' 53+6 %3+ *6743%*+.

Loan A#ount

M''66- R&. 1$000-

U7,3- R&. 1 4/ 3+ ,'6*& ,* *, 63,4% ')36* ')*9*+ '& 4*&&.

Ma&"in

NIL

Rat o! Int&st

P4*&* C*)/ 3, ,* I,*+*&, R,*& S*),'3 ,3 5' 4,*&, I,*+*&, R,*&

774')=4*.

INTEREST C3ARGED ON DAILY REDUCING BALANCE

NO +RE+AYMENT C3ARGES



+&o'ss Fs

1 35 43 63,

R)a4#nt

U7,3 EMI&

Mo$ o! $is.u&s#nt

B% )+*', ,3 %3+ S9'& B/ ))3,.

Dna T&a$ Finan' S'h#/



You a& li"i.l i!/

Y3 +* )3663',% ,+*+$ &,3)/'&, 3+ *4*+ +*'&,*+* *+ &4*& ,<.

Y3 +* 7*+6*, +*&'*, 35 ,* )',% (I5 3, 7*+6*, +*&'*,$ 7+37*+,%

355*+* & )344,*+4 &*)+',% '& ' %3+ 6* 43),* , ,* &6* 43),'3!.

Loan A#ount

M''66- R&. 2.0 4/&

U7,3- R&. 200 4/&

CC L'6', 7,3 20 35 %3+ 7+38*),* ,+39*+.

N3-5 =&* 4'6',& 7,3 2 35 *4''=4* 4'6', 3 ,* =&'& 35 7+38*),*

,+39*+

T*+6 L3 7,3 20 35 3+/' )7',4 *4''='4',%

I )&* 35 '&+7,'3 35 ,* 3+/' )7',4 )%)4*$ 0 35 )344,*+4 &*)+',%

) =* ')4* ,3 )4)4,* D+' P3*+.

Natu& o! Li#it

C& C+*', (%73,*),'3!$ T*+6 L3 (S*)+*!$ N3-5 =&* 4'6',&

(B/ G+,** # LC!

Ma&"in

CC H%73,*),'3 - 2 &,3)/$ 0 35 =33/ *=,&

N3-5 =&* 4'6',& (BG # LC! - 2

T*+6 L3 - 2



T*+6 L3 : %*+& (6<'66!

DENA GOLD LOAN SC3EME/

+u&)os

A% 7*+&34 7+73&*

Eli"i.lit4

1. T* &)*6* '& 37* 53+ 44 )&,36*+& *<'&,' * (KYC 3+6& ,3 =*

*+* ,3!

2. O4% ''9'4& 3 9* ,,'* 683+',% +* *4''=4*

Natu& o! Loan

D*6 L3

Loan A#ount

T* 43 63, '44 =* 4'/* ,3 ,* 94* 35 34 8**44*+% 34 )3' 34

(3,*+ , =44'3! ,3 =* 74**.

M''66 R&.10000- # M<'66 R&. .00 4)&

Ma&"in

M+' ,3 =* 6','* 0 35 ,* 94* 35 ,* G34 8**44*+% 34 )3'

34 (3,*+ , =44'3! ,3 =* 74**.

Rat o! Int&st



P4*&* C*)/ 3, ,* Int&st Rats S'tion ,3 5' 4,*&, I,*+*&, R,*&

774')=4*.

+&o'ss Fs

U7,3 R&.0$000- - N'4

A=39* R&.0$000- : 0. 35 &),'3* 4'6',.

C+*& 35 77+'&*+ +* ,3 =* =3+* =% ,* =3++3*+.

R)a4#nt

U7 ,3 2 63,&$ ,3 =* +*7' ' EMI& 3+ ;+,*+4% 45-%*+4% 4

'&,446*,& 3+ 3 467 &6 =&'&$ & 6% =* +** 73=% ,* =3++3*+&. I

)&* 35 +*7%6*, ' '&,446*,& 3,*+ , EMI&$ ',*+*&, *=',* ' ,* 43

))3, 5+36 ,'6* ,3 ,'6* '& ,3 =* 7' & * *=',*.







BACKGROUND OF CREDIT RISK MANAGEMENT

CREDIT/

T* 3+ V)+*', )36*& 5+36 ,* L,' 3+ V)+**+*$ 6*' V,+&,. W*

&*44*+& ,+&5*+ '& *4, ,3 =%*+ 3 & +** ,3 7% 4,*+$ ,*+* '& )4*+

'674'),'3 35 ,+&, ,, ,* 7%6*, '44 =* 6* , ,* +** ,*. T* )+*',

7*+'3 ,* 63, 35 )+*', *7* 73 ,* *+** 35 ,+&,.

C+*', '& *&&*,'4 6+/*,' ,334. I, =*+& )3&,$ ,* )3&, 35 ,* &*44*+ 9'

,3 =3++3 ,'4 ,* )&,36*+& 7%6*, ++'9*&. I*44%$ ,, )3&, '& ,* 7+')* =,$

& 63&, )&,36*+& 7% 4,*+ , +**$ ,* *<,+ 74* )3&, *+3*& ,*

74* *, 7+35',.

RISK /

R'&/ '& *5'* & )*+,' +*&4,' ' 9*+&* 3, )36*$ 9*+&* ' +*4,'3 ,3

74* 3=8*),'9* 3+ *<7*),,'3. I, '& 9*+% '55')4, 3 5' +'&/ 5+**

'9*&,6*,. A '673+,, '7, ,3 +'&/ 6*6*, '& +'&/ &&*&&6*,. M%

7=4') =3'*& &) & 9'&3+% )366',,**& )3)*+* ', +'&/ 6*6*,.

R'&/ 4%&'& 443),'3 '& )*,+4 ,3 ,* *&' 35 % 7+38*), 5')*$ +'&/

6*6*, '& 35 7+63, )3)*+. T& ;,'5%' +'&/ 43 ', 7+35',

7+38*),'3& '& &44% ,* 5'+&, &,*7 ' ' ,* 5*&'='4',% 35 ,* 7+38*),. 3)*

+'&/ 9* =** '*,'5'* ,*% ) =* 443),* ,3 7+,')'7,& 77+37+',*

6*)'&6& 7, ' 74)*.

TY+ES OF FINANCIAL RISKS

MARKET RISK/



M+/*, +'&/ '& ,* +'&/ 35 9*+&* *9','3 35 ,* 6+/ ,3 6+/*, 94* 35 ,*

,+' 73+,534'3$ * ,3 6+/*, 639*6*,$ +' ,* 7*+'3 +*;'+* ,3

4';',* ,* ,+&),'3&.

O+ERTIONAL RISK/

O7*+,'34 +'&/ '& 3* +* 35 +'&/ ,, '& 5)* =% 44 3+','3 &. M3+*

)3674*< ,* 3+','3 63+* *<73&* ', 34 =* 37*+,'34 +'&/. T'& +'&/

+'&*& * ,3 *9','3 5+36 3+64 74* 5),'3' 35 ,* &%&,*6

7+3)*+*&$ ,*)343% 6 5'4+* 35 36'&&'3 )366'&&'3. R*&4,

35 *9','3 5+36 3+64 5),'3' '& +*54*),* ' ,* +*9** 35 ,*

3+','3$ *',*+ =% ,* % 35 ','34 *<7*&*& 3+ =% % 35 43&& 353773+,',%.

C+*', +,' '& ,* 7+3)*&& 35 &&'' 4*,,*+ +,' ,3 =3++3*+ ''),'

,, )+*',3+,'*&& 35 ,* =3++3*+.

R,' '& &&'* =&* 3 ,* ='4',% 35 ,* =3++3*+ ()367%!. T3 +*7% ,*

*=, '& '44'*&& ,3 3 &3. T* '*+ +,' 35 )367% ,* 43*+ ,*

7+3=='4',% 35 ',& *54,.

CREDIT RISK/

C+*', +'&/ '& *5'* & ,* 73,*,'4 ,, =/ =3++3*+ 3+ )3,*+7+,% '44

5'4 ,3 6**, ',& 3=4','3& ' ))3+)* ', +** ,*+6&$ 3+ ' 3,*+ 3+& ',

'& *5'* & ,* +'&/ ,, 5'+6& )&,36*+ ,* 7+,'*& ,3 ') ', & 4*,

63*% '44 5'4 ,3 6/* 7+36'&* 7%6*,& '& /3 & )+*', +'&/ T*

*<73&+* ,3 ,* )+*', +'&/& 4+* ' )&* 35 5')'4 '&,',,'3&$ &)

)366*+)'4

=/& * 5'+6& =3++3 63*% ,*% ' ,+ *<73&* 4**+& ,3 )+*', +'&/$ ,*

+'&/ ,, ,* 5'+6 '44 *54, 3 ',& 7+36'&* 7%6*,&. A& )3&*;*)*$



=3++3' *<73&*& ,* 5'+6 3*+& ,3 ,* +'&/ ,, 5'+6 '44 =* =4* ,3 7% ',&

*=, ,& =* 53+)* ,3 =/+7,)%.

C+*', +,' *47& ,* =/ ' 6/' &*9*+4 /*% *)'&'3& +*+' )+*',

')4'

1. *,*+ ,3 4* ,3 7+,')4+ =3++3*+ 3+ 3, , 7+')* ,3 )+*

2. , +* ,* 7+3), ,3 =* 355*+* ,3 ,* =3++3*+ 53+ , ,*+*

. , , 4*9*4 &34 &),'3' =* 3*$ ', &34 3*9*+ =* 3,* ,,

)+*', +,' '& 3* 35 '7,& &* ' )+*', *)'&'3&.

T*+* +* 9+'3& 5),3+& (*;)% 35 =3++3*+&$ )& 543$ )344,*+4

7+39'*$ +*4,'3&'7 ', ,* =3++3*+! P+3=='4',% 35 ,* =3++3*+&

*54, =&* 3 7&, ,.

CREDIT FILES/2

I,& ,* 5'4*$ ') 7+39'*& '673+,, &3+)* 6,*+'4 53+ 43 &7*+9'&'3 '

+*+ ,3 '53+6,'3 53+ ',*+4 +*9'* *<,*+4 ',. B+) & ,3

6',' &*7+,* )+*', 5'4* )3674&3+'4% ' )&* 35 L3& *<)**' R& 0

L/& ') &34 =* 6','* 53+ ;')/ ))*&& 35 ,* +*4,* '53+6,'3.

Contnts o! th '&$it !il:-

=&') '53+6,'3 +*73+, 3 ,* =3++3*+

6'4*&,3*& 35 ,* =3++3' ',

)+*', 77+394 6*63+6

5')'4 &,,*6*,

)37% 35 &),'3 )366'),'3

&*)+',% 3)6*,,'3 4'&,

D3&&'*+ 35 ,* &*;*)* 35 *9*,& ' ,* ))3,&

C344,*+4 94,'3 +*73+,

L,*&, 4**+ 7* &7*+9'&'3 +*73+,

H45 %*+4% )+*', +*73+,' 35 ,* =3++3*+



+,*+4% +'&/ )4&&'5'),'3

P+*&& )4'77'& '&,+'4 4%&'& 77*+' ' *&77*+

M',*& 35 4,*&, )3&3+,'6 6**,'

C&,36*+ 7+35',='4',%

S66+% 35 '&7*),'3 35 ', 3=&*+9,'3

C+*', 5'4*& 7+39'* 44 '53+6,'3 +*+' 7+*&*, &,,& 35 ,* 43 ))3,

3 =&'& 35 )+*', *)'&'3 ' ,* 7&,. T'& 5'4* *47& ,* )+*', 355')*+ ,3

63',3+ ,* ))3,& 7+39'*& )3)'&* '53+6,'3 +*+' =)/+3

,* )++*, &,,& 35 ,* ))3,



STUDY ON CREDIT POLICY



T* ,*+6 )+*', 734')% '& &* ,3 +*5*+ ,3 ,* )36=','3 35 ,+** *)'&'3

9+'=4*&: (1! )+*', &,+&$ (2! )+*', ,*+6&$ (! )344*),'3 *553+,&$ 3

') ,* 5')'4 6*+ & '54*)*.

1 C&$it Stan$a&$s:

C+*', S,+& +* )+',*+' ,3 *)'* ,* ,%7*& 35 )&,36*+& ,3 36 33&

)34 =* &34 3 )+*',. I5 5'+6 & 63+* &43-7%' )&,36*+&$ ',&

'9*&,6*, ' ))3,& +*)*'9=4* '44 ')+*&*. T* 5'+6 '44 4&3 =* *<73&*

,3 '*+ +'&/ 35 *54,.

: C&$it T&#s/

C+*', T*+6& &7*)'5% +,'3 35 )+*', ,*+6& 35 7%6*, =% )&,36*+&.

I9*&,6*, ' ))3,& +*)*'9=4*& '44 =* ' '5 )&,36*+& +* 443*

*<,** ,'6* 7*+'3 53+ 6/' 7%6*,&.

= Coll'tion E!!o&ts/

C344*),'3 *553+,& *,*+6'* ,* ),4 )344*),'3 7*+'3. T* 43*+ ,*

)344*),'3

7*+'3$ ,* 43*+ ,* '9*&,6*, ' ))3,& +*)*'9=4* '*+ ,* )344*),'3

7*+'3$ ,* '*+ ,* '9*&,6*, ' ))3,& +*)*'9=4*.

Th #ain o.?'ti5s o! Ban*s C&$it +oli'4 a&/

A =4)* +3, 35 ,* )+*', 73+,534'3 ') 3*& 3, )367+36'&* &5*,%.



A37,'3 35 53++-433/' 6+/*, +*&73&'9* 77+3) 53+ 639'

',3 7+35',=4* * +*& 35 4*' '& *6*+*$ ',' ,* 7+* *,*+6'*

*<73&+* )*'4'&.

S3 +'&/ 6*6*, 7+),')*& ,3 '*,'5%$ 6*&+*$ 63',3+ )3,+34

)+*', +'&/&.

M<'6'* ',*+*&, %'*4& 5+36 ,* )+*', 73+,534'3 ,+3 8')'3&

6*6*, 35 9+%' &7+*& 53+ 43 &&*,& =&* 73 ,*'+ &'*$ )+*',

+,' ,*+*

E&+* * )3674')* 35 9+'3& +*4,3+% 3+6&$ ')4' CAR$ I)36*

R*)3','3 A&&*, C4&&'5'),'3.

A))3674'& =4)* *743%6*, 35 )+*', )+3&& 9+'3& &*),3+&

*3+7')4 +*'3&.

A)'*9* +3, 35 )+*', ,3 7+'3+',% &*),3+& &= &*),3+& )3,'* ,3

&+7&& ,* ,+*,& &,'74,* =% R*&*+9* B/ 35 I'.

U&* 7+')' & ,334 35 )367*,','9* 9,* *&+' 3*9*+ ,,

*+'& +* 7+3,*),*.

DATA ANALYSIS AND INTER+RETATION

1! D, 4%&'& =&* 3 43 7+3), ,, +* &34 ' 8 201:

7+3), J-1 (+&. I 4/&!

$na $u'ation loan 0

Dna Gol$ Loan S'h# 1

Dna T&a$ Finan' S'h# 0

Dna Su5i$ha +&sonal Loan S'h# 0

Dna Ni6as 3ousin" Finan' S'h# 10



41438

0

20

40

60

80

100

120

140

160

dena education loan

Dena Gold Loan

Scheme

Dena Trade Finance

Scheme

Dena Suvidha

(Personal Loan

Scheme

Dena !i"as #ousin$

Finance Scheme

I,*+7+*,,'3:

I ,* 7+,')4+ 63, (8* 201! ,* * 3&' 5')* &)*6* &

'4% 37,* & )367+* ,3 3,*+ &)*6* .

2! D, 4%&'& =&* 3 43 7+3), ,, +* &34 ' 84% 201:

7+3), J4%-1 (+&. I 4/&!

* *),'3 43 0

D* G34 L3 S)*6* 10

D* T+* F')* S)*6*

D* S9' (P*+&34 L3! S)*6* 0

D* N'& H3&' F')* S)*6* 100



414%6

0

10

20

30

40

%0

60

&0

80

'0

100

dena education loan

Dena Gold Loan

Scheme

Dena Trade Finance

Scheme

Dena Suvidha

(Personal Loan

Scheme

Dena !i"as #ousin$

Finance Scheme

I,*+7+*,,'3:

I ,* 7+,')4+ 63, (84% 201! ,* &4*& 9346* 35 * 3&' 5')*

&)*6* & *)+*&*& & )367+* ,3 3,*+ &)*6* .

HYPOTHESIS

ANO"A: &'4* 5),3+

P*+,')4+& Y*& N3

A+**&& A=3, D* B/ 0 0

A+**&& =3, 43 7+3),& 1

S'674')',% 35 43 7+3)*&& 21 1

&,'&5'* ', A*+)* 1 22

&,'&5'* ', D'&=+&*6*,

34 %3 4'/* ,3 &*&, % 35 %3+ 5+'* 53+ ,/' 43 12 2

43 7+39'* =% ,* =/ +* )367+=4* ,3 3,*+ =/ 20 20

+* %3 &,'&5'* ', ,* 39*+44 43 &*+9')* 2 11

&66+%

G+37&C3, S6 A9*+* "+')*

Y*& 212 2. 10



N3 10 1. 10

S3+)* 35 9+','3 SS DF MS F P-94* F )+',

B*,** G+37& 1 . 0::< .0011

W',' G+37 1 1 10

T3,4 210 1

I,*+7+*,,'3:

I ,* '9* , ,* P 94*X 0.022 '& 4*&& , 0. ' ,* ,, '& 73&','9*

5),3+ 53+ '9* ,.

CORRELATION AND COEFFICIENT FACTOR

S+.N3.

PRODUCT 1 2

1 A+**&& A=3, D* B/ 1

2 A+**&& =3, 43 7+3),& 0<

1

S'674')',% 35 43 7+3)*&& 0.0

0.1 1

&,'&5'* ', A*+)* -0.1 -

0.0

0.

1

&,'&5'* ', D'&=+&*6*, 0.

0. 0.

1

1

43 7+39'* =% ,* =/ +* )367+=4*

,3 3,*+ =/

0 0.0

-

0.

2

-0. 0.0

1

+* %3 &,'&5'* ', ,* 39*+44 43

&*+9')*

0.

0. 0 -

0.

0. 0.2

1

I,*+7+*,,'3:



I )3++*4,'3 )3*55')'*, '5 ,* 94* 35 7+,')4+ 5),3+ ')+*&*

&6* 3 ,* 3,*+ 94* 35 3,*+ 5),3+ 4&3 ')+*&* 9')*-9*+&.

I ,* =39* ,=4* ,* &,'&5),'3 4*9*4 35 39*+44 43 &*+9')* ')+*&* 3 ,*

3,*+ ,* 4*9*4 35 A+**&& =3, 43 7+3),& 4&3 ')+*&*.

FINDINGS

DENA BANK '& +,' )+*', ' 44 &*),3+& ' E;,* M3,4%

I&,446*,& &3 ,, % =3% ) =3++3 63*% *&'4%.

P+38*), 5''& +*9*4 ,, DENA BANK '& 4*' )+*', 3+

&),'3' 63+* 43&.

DENA BANK '& *<7' ',& C+*', ' ,* 53443' 53)& +*&:

Dna E$u'ational Loan S'h#

Dna Gol$ Loan S'h#

Dna T&a$ Finan' S'h#

Dna Su5i$ha +&sonal Loan S'h#

Dna Ni6as 3ousin" Finan' S'h#

C+*', +'&/ 6*6*, 7+3)*&& 35 D* =/ &* '& 9*+% *55*),'9* &

)367+* ', 3,*+ =/&.



SUGGESTIONS AND RECOMMENDATIONS

T* B/ &34 /**7 3 +*9'&' ',& C+*', P34')% ') '44 *47 B/&

*553+, ,3)3++*), ,* )3+&* 35 ,* 734')'*&

D* =/ '& '*4% &7+* ' G8+, & )367+* ,3 3,*+ &,,*& 35

''$ &3 D* B/ &34 433/ , +*&&'9*4% *<7' ' ,* 3,*+

&,,*& 35 ,* )3,+%.

D* =/ &34 37* ,*'+ =+)*& ' 53+*' )3,+'*& ,33 ')

34 *47 ,*6 ,3 *<7 ,*'+ =&'*&& 4'/* &36* 35 ,*'+ 7**+ +37

=/& 4'/* SBI$BOB *,) .

I&,* 35 4 +*)+',6*, 734')% D* =/ &34 &',) ,3 45

%*+4% +*)+',6*, 734')%.

T*% &34 9* 63+* +*&&'9* M+/*,' &,+,*'*& ,3 7+363,* ,*'+

&*+9')*& ' '55*+*, 355')*&$3+','3& *,).



CONCLUSION

T* =/ & 5 3)& * 63+ * 3 + + 4 + *& .

T* =/ & & , + , * 9 + ' 3& & )* 6*& 53 + + + 4

7 37 4 , ' 3 &3 & , 3 * 47 , *6 6 ' 4 % ' + ') 4 , +*

& *) , 3 + .

B / 7 4 & , 3 + 3 , * = & ' * & & 6 ' < , + * , ' , *

9 4 * 3 5 R& . 0 ) + 3 + *& ' ) ' & + * 5 4 *) , * ' >G3 4 P3& ,

201? .

D* B/ ' & , / ' 9 + ' 3& & , *7& , 3 ) ' *9* , ' & 3 4 .



BIBLIOGRA+3I

WEB SITES

1. .* =/.)3.'

2. .+='.3+

BANKS INTERNAL RECOREDS/

1. A4 R*73+,& 35 DENA BANK (2012-201!

2. DENA BANK M4&

http://www.dena/

http://www.dena/

“a study of credit assessment in dena bank”

Documents