International Journal for Innovative Engineering and Management Research

The meaning of the risk varies depending on the situation and its application.,From one point of view, "risk" refers to issues in the future that can be avoided or mitigated rather than issues in the present that need to be addressed right away.While risk is present in all aspects of life, it is particularly significant in the financial sector., Literature on risk demonstrates that banks could not afford to take risks because of the regulated environment.,However, over the past two decades, banks have consistently been confronted with a variety of risks that have the potential to harm their operations., These, chances, to, which, banks, are, uncovered, to, be, market, risk,, functional, risk,, credit, hazard, and, liquidity, risk., Out, of, them,, the, credit, risk, is, most, basic, for, the, endurance, of, the, banks, as, it, is, straightforwardly, connected, to, the, major, as, indeed, as, the, essential, action, of, banks, i.e.,, loaning, assets, to, the, borrowers, as, cash, or, other, instruments.,The study aims to identify the various parameters underlying the concept of credit risk management in banks because of its critical importance., Additionally, the study aims to investigate the effect that various credit risk parameters have on bank efficiency.,The research makes use of secondary data gathered from various data sources regarding credit risk management and the various institutions that facilitate risk management in banks.