This study explores how credit risk management strategies affect the State Bank of India's (SBI), the country's biggest public sector bank, growth and resilience. Understanding the efficacy of SBI's credit risk management strategies is the main goal of the research, particularly in light of recent technical developments and the incorporation of cutting-edge risk assessment instruments like blockchain and artificial intelligence (AI). Through the use of structured electronic surveys, data was gathered from 100 banking experts using a quantitative research approach. According to the research, technological advancements greatly improve the precision and effectiveness of credit risk management, which lowers potential losses and boosts financial stability. The report also highlights the difficulties in responding to new threats and emphasises the necessity of constant innovation in risk management techniques as well as continuing professional development for risk managers. The findings offer significant perspectives for SBI and additional financial establishments about the enhancement of credit risk management structures to maintain enduring stability and competitiveness in a constantly evolving financial atmosphere.
Nandhana Gopan (Tue,) studied this question.