A STUDY OF CREDIT RISK MONITORING SYSTEM OF STRESSED SMES ACCOUNTS FOR IMPROVING EFFICIENCY AND SUSTAINABILITY: A CASE STUDY OF YES BANK
DOI:
https://doi.org/10.53555/hrd5mm08Keywords:
Credit Risk Monitoring, Stressed Assets, RRR Model (Recover, Reduce, Resolve), Yes Bank, SME Accounts, Secondary Data Analysis, Non-Performing Assets (NPAs)Abstract
This present study aims to investigate the Credit Risk Monitoring system for stressed SME accounts for Yes Bank, particularly the RRR initiative. Through the use of secondary data from the previous quarter, the relevance and outcomes of the initiative can be analyzed, revealing the success of the program out of the total 970 stressed accounts, of which almost 76% were recoveries, reductions, and resolutions. Through this study, the significance of monitoring, interventions, legal proceedings, and technology can be highlighted, together with the problems encountered in legal recoveries, and how the system can be further developed for the betterment of the overall financial condition of the bank through the improvement of the way the SME portfolios are managed.
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