This book provides a model of bankruptcy prediction conditional on financial ratios being evaluated for banks when they need funds. Credit risk is of great concern for most banks as credit risk is that risk that can easily and most likely prompts banks failure. Adequately managing credit risk in financial institutes is critical for survival and growth of the banking industry. Addressing these concerns for enhanced financial decision making in this analysis Artificial Neural Network (ANN) has been used for prediction and estimation of ratios. The sample size selected is a few major players both in the government and private sector of Indian Banking Industry. The analysis incorporates various ratios and then relates them to examine the explanatory capabilities of the financial ratios to suggest the position of the bank. Construction of the basic ratios into ratio pillars is a vital ingredient of the basic work done prior to deployment of neural network.