Published Paper Details:

Capital Adequacy ratio and NPAs are the determinant of Credit risk management.First will discuss about the term "credit risk" describes the risk associated with lending money to a customer who fails to pay the money. If the customer defaults on the loan, the bank will be at threat of losing money since it won't get the principle and interest from the borrower.Nonetheless, the goal of credit risk management is to lower risk by using CRM tools, customer analysis, etc. from Good CRM Losses can be avoided by urban cooperative banks. For this Research paper, the focus has been on urban banks because the researcher has visited a lot of urban cooperative banks, many of which do not have a CRM department. In this research paper the dependent variables are ROA and ROE, while the independent variables include the capital adequacy ratio, non-performing assets etc.In order to examine the relationship between two variables, this study used Pearson correlation.NPA and ROA have a negative relationship. Additionally, negatively connected are NPA and ROE. ROE and CAR have a favorable correlation.