A STUDY ON FINANCIAL RISK MANAGEMENT STRATEGIES AT UNION BANKID: 1347 Abstract :This Study Examined The Financial Risk Management Strategies Adopted By Union Bank Of India Over The Five-year Period From FY 2021 To FY 2025. The Research Objectives Focused On Identifying Key Categories Of Financial Risks—credit, Market, Liquidity, And Capital Adequacy—and On Evaluating The Bank’s Strategies For Managing These Risks. The Study Employed A Descriptive Analytical Approach Using Secondary Data Extracted From Audited Financial Statements And Annual Reports. Key Financial Ratios And Indicators Were Calculated And Analyzed Through Trend Analysis, Ratio Analysis, And Graphical Representations To Assess The Bank’s Risk Profile And Strategic Responses.The Findings Revealed That The Bank Had Realized Significant Reductions In Non-performing Assets, Improvements In Provision Coverage, And Enhancements In Capital Adequacy. Interest Income And Net Profit Margins Displayed Consistent Growth, While Liquidity Indicators Reflected A Strong Deposit Base And Reduced Reliance On Borrowings. Based On These Results, The Study Proposed Targeted Suggestions For Further Strengthening Risk Management Frameworks. The Research Concluded That Union Bank Of India’s Integrated Approach To Financial Risk Management Had Effectively Enhanced Its Asset Quality, Profitability, And Resilience, Thereby Supporting Sustainable Growth And Regulatory Compliance. Key Words: Liquidity Risk, Credit Risk, Risk Analysis, Market Risk. |
Published:21-6-2025 Issue:Vol. 25 No. 6 (2025) Page Nos:676-684 Section:Articles License:This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License. How to CiteSamolla Vaishnavi,Dr. S. Narender, A STUDY ON FINANCIAL RISK MANAGEMENT STRATEGIES AT UNION BANK , 2025, International Journal of Engineering Sciences and Advanced Technology, 25(6), Page 676-684, ISSN No: 2250-3676. |