Abstract
The way investors evaluate credit risk must change as India's financial markets grow more dynamic and the country's economy continues to change and diversify. Credit rating agencies' ratings are a reliable source of information and a conventional indicator of credit risk. Assessing credit risk usually entails speaking with management teams and examining the company's financial data. A purposeful consultation approach forms the basis of the ratings process, which is intended to provide a long-term credit assessment. Understanding the Credit Risk Associated with PNB Customer Classification is the foundation of this study. The study was conducted among 354 PNB customers falling under SEC A1 & A2 category households in the region of Thane. The study aids the bank to take an informed decision on classifying the group of customers with regards to their credit risk. Keywords: Discriminant Analysis, Credit Risk Analysis, Punjab National Bank
Published Version
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