Management Unit itself has proved how essential credit risk management is to the bank and how seriously the bank is dealing with it. As the credit assessment officer emphasizes in the interview, when the bank makes loans, it has to accept the inherent risks. Lending is an extremely risky business. Credit risk arises from all credit products and activities (listed below) that the bank offers to clients. The loans are either in Indian Dong (Rs.) or USD. However, at the transaction office the financing services are not provided. Whenever a customer needs some financing programs, the office will refer to the bigger branch in the same area. Personal Banking Corporate Banking
Personal installment loan Home construction/repair loan Car loan Valuable paper pledge/ discount loan Overseas study loan Personal consumer loan Home loan Securities loan Private household business financing Small trader financing Equity loan Cash advance of stock sale Working capital finance Term loans for fixed asset/project Co-financing loan Import/Export finance Export finance in Rs. with interest rate of USD Small & medium enterprise finance program (SMEFP)
The bank acknowledges that there is still a lot to improve but towards credit risk management, at least it has paid special attention to and complied with prudential ratios required by the RBI and by the bank itself