• Nikhilkumar Shah
• Nisarg Shah

Credit risk management in banks is important to maintain credit risk exposure within proper and acceptable parameters. Credit risk arose due to borrower's failure to repay a loan or meet contractual obligations which creates possibilities of loss. For measurement of credit risk management researcher has used data of Non-performing assets, Credit adequacy ratio and Return on Asset of 10 years of Top five public and private sector bank based on their assets on balance sheet for year 2018-19. To measure credit risk efficiency of public and private sector banks, researcher has done regression analysis between NPA, CAR and ROA. Research reveals that there is significant relation between credit risk management and bank performance. Credit risk management can help us to determine banks performance level and their credit efficiency.

Credit Risk Management, Public Sector Bank, Private Sector Bank, Bank Performance

"A Credit Risk Management in Public and Private Sector Banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.7, Issue 4, page no.607-615, April-2020, Available :http://www.jetir.org/papers/JETIR2004087.pdf

"A Credit Risk Management in Public and Private Sector Banks", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.7, Issue 4, page no. pp607-615, April-2020, Available at : http://www.jetir.org/papers/JETIR2004087.pdf