Paper Title

THE ROLE OF CREDIT RISK MANAGEMENT PRACTICES IN ENHANCING PROFITABILITY OF BANKING INSTITUTIONS

Abstract

This study examines the role of credit risk management practices in enhancing bank profitability, focusing on how effective appraisal, monitoring, and recovery strategies contribute to financial performance. Using both theoretical insights and empirical evidence from past research, the study highlights that robust credit risk management reduces default rates, strengthens asset quality, and improves the overall efficiency of lending operations. Key practices such as stringent credit assessment procedures, regular loan portfolio reviews, adherence to regulatory guidelines, and the adoption of modern risk evaluation tools were found to have a positive impact on profitability. The findings underscore that banks with well-structured risk management frameworks are better positioned to sustain growth, minimize losses, and achieve long-term financial stability. The study concludes by emphasizing the need for continuous improvement and integration of advanced risk management techniques to enhance profitability in an increasingly dynamic banking environment.
KEYWORDS : Credit risk management, banking institutions, profitability, non-performing loans, risk assessment, financial performance, credit appraisal.

Paper Title

SUSTAINABLE DEVELOPMENT GOALS’ (SDGS): INDIA’S PROGRESS AND CHALLENGES - A STUDY

Abstract

This study critically analyses India\'s progress in attaining the Sustainable Development Goals, investigates the challenges faced, and proposes potential ways to accelerate advancements towards sustainable development. The Sustainable Development Goals (SDGs), adopted via the United Nations (UN) in 2015, provide a global blueprint for tackling key social, environmental, and economic challenges. As a country with a diverse and significant population, India\'s progress towards these goals presents unique opportunities and challenges. across various states and union territories (UTs) in India since 2015. The study considers secondary data derived from the National Institution for Transforming India (NITI) Aayog’s SDG Index. The SDG interaction analysis confirms that the maximum number of goals synergizes with other goals. This study enriches current literature by providing empirical insights into SDG progress and disparities across states and UTs for the first time in the Indian context. However, the study is constrained in its ability to describe the progress and disparities of SDGs across states and UTs. Future research endeavours may delve into the underlying factors contributing to uneven progress.
KEYWORDS : Sustainable Development Goals (SDGs), India\'s progress, economic challenges, National Institution for Transforming India (NITI), Indian context.

Paper Title

AN ANALYSIS OF FINANCIAL RISK CHALLENGES IN THE INDIAN BANKING SECTOR

Abstract

The Indian banking sector serves as the backbone of the nation’s economy, yet it faces a complex web of financial risks exacerbated by economic fluctuations, regulatory changes, and rapid digitalization. This paper examines the primary challenges, specifically credit risk, market risk, operational risk, and liquidity risk, faced by Indian banks. This paper analyzes the root causes, including Non-Performing Assets (NPAs), cybersecurity threats, and the impact of macroeconomic instability, while proposing strategic mitigation frameworks.
KEYWORDS : Indian banking sector, Non-Performing Assets (NPAs), cybersecurity, threats economic fluctuations, regulatory changes, rapid digitalization.

Paper Title

DETERMINANTS OF EMPLOYEE RETENTION IN INDIAN IT COMPANIES: THE MEDIATING ROLE OF EMPLOYEE ENGAGEMENT AND WORK LIFE BALANCE

Abstract

Employees’ retention remains an important challenge that Indian IT firms face, especially in the new post-pandemic work environment, which is marked by higher work-related stress, burnout, and changing employee expectations. The current research aims to explore how compensation satisfaction, career opportunities, supervisor support, and training and development practices relate to employee retention intention and how employee engagement and work-life balance function are mediating factors in this relationship. The survey conducted with 360 employees of Indian IT organizations through a structured questionnaire survey. The proposed theoretical framework was analyzed using SmartPLS software, which followed the SEM analysis. The findings show that all HR practices positively relate to employee engagement, which in turn positively affects work–life balance and employee retention intention. In addition, employee engagement and work-life balance sequentially mediate the relationship between HR practices and employee retention intention. The proposed conceptual structure extends current social exchange theory and JDR models in relation to Indian Information Technology (IT) organizations and helps professionals create comprehensive retention strategies that not only include compensation but also leadership, career, and employee wellbeing.
KEYWORDS : Employee retention, employee engagement, work-life balance, HR practices, supervisor support, career opportunities, Indian IT companies