📌 *Credit Control Monitoring (CCM) – CAIIB ABM* Credit Control Monitoring (CCM) ensures proper credit risk management by monitoring and regulating a bank's credit exposure. It helps prevent bad debts, ensures regulatory compliance, and maintains financial stability. 🔹 *Objectives of CCM:* ✅ *Minimize Credit Risk –* Ensure loans are given to creditworthy customers. ✅ *Regulatory Compliance –* Follow RBI & Basel guidelines for risk management. ✅ *Early Warning Signals (EWS) –* Identify potential defaulters early. ✅ *Maintain Asset Quality –* Prevent loans from turning into NPAs. ✅ *Enhance Profitability –* Reduce bad loan losses and improve bank performance. 🔹 *Key Aspects of CCM:* 📌 📝 *Credit Appraisal & Sanctioning –* Assess borrower’s financials & creditworthiness. 📌 📊 *Credit Exposure Monitoring –* Track loans given to different sectors & borrowers. 📌 💰 *Loan Utilization Check –* Ensure funds are used for the intended purpose. 📌 🔄 *Review & Renewal –* Periodic evaluation of borrower accounts. 📌 ⚖️ *Recovery & Collection –* Timely follow-ups, restructuring, or legal action. 📌 📢 *Credit Reporting –* Report borrower details to CIBIL & CRILC. 🔹 *Regulatory Guidelines:* 🏦 *Prudential Norms –* RBI’s risk categorization & provisioning norms. 🛡️ *Credit Risk Management –* Internal policies to mitigate risks. 🌍 *Basel Norms –* International standards for capital adequacy. 📑 *Loan Classification –* Categorizing loans as Standard, Sub-standard, Doubtful & Loss. *🔹 Conclusion* A strong CCM framework helps reduce NPAs, ensure compliance, and maintain financial stability. It enables early detection of credit risks, strengthens the bank’s financial health, and builds customer trust. 🚀