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OBJECTIVES OF THE STUDY

PRIMARY OBJECTIVE
To study the broad contours of management of credit and credit appraisal process for business
units i.e. for working capital loan or Term Loan in INDIAN OVERSEAS BANK.
SECONDARY OBJECTIVES

To understand the basis of credit risk rating and its significance.

To study the Credit Rating methods followed by the bank for different credit range.

To utilize the above learning and appraise the creditworthiness organizations those
approach INDIAN OVERSEAS BANK for credit. This would entail undertaking of the
following procedures:
i.

Management Evaluation

ii.

Business / Industry Evaluation

iii.

Technical Evaluation

iv.

Legal Evaluation

v.

Financial Evaluation

vi.

Credit Risk Rating