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Critical Analysis of the Relationship Between Credit Management and Bank Distress

Critical Analysis of the Relationship Between Credit Management and Bank Distress

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DEDICATION

This research material, titled “Critical Analysis of the Relationship Between Credit Management and Bank Distress” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Banking and Finance (BF) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Critical Analysis of the Relationship Between Credit Management and Bank Distress provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE

INTRODUCTION

    CHAPTER TWO

    LITERATURE REVIEW

    • 2.1 Introduction
    • 2.2 Conceptual Review
    • 2.3 Theoretical Framework
    • ⋮
    • 2.4 Empirical Studies
    • 2.5 Research Gaps
    • 2.6 Summary of Literature Review

    CHAPTER THREE

    RESEARCH METHODOLOGY

    • 3.1 Introduction
    • 3.2 Research Design
    • 3.3 Population of Study
    • 3.4 Sampling and Sampling Technique
    • 3.5 Validation of Research Instrument
    • 3.6 Method of Data Collection
    • 3.7 Method of Data Analysis
    • 3.8 Questionnaire Administration
    • 3.9 Ethical Consideration
    • 3.10 Statistical Analysis

    CHAPTER FOUR

    DATA ANALYSIS, RESULT AND DISCUSSION

    • 4.1 Introduction
    • 4.2 Presentation and Analysis of Data
    • 4.3 Re-statement of Research Questions
    • 4.4 Test of Hypotheses
    • 4.5 Discussion of Findings

    CHAPTER FIVE

    SUMMARY, CONCLUSION AND RECOMMENDATION

    • 5.1 Introduction
    • 5.2 Summary of Findings
    • 5.3 Conclusion
    • 5.4 Recommendation
    • 5.5 Suggestion for Further Study

    REFERENCES

    APPENDIX A - “QUESTIONNAIRE”


    ABSTRACT

    Over the years, the deterioration of the quality of loans and advances in the banking sector has led to distress in the sector. The sector is at cross roads of a democratizing policy and a recovering economy. As in most resource management challenges, bank management and most especially the specialized field of risk management face significant incremental management opportunities. Due to the fact that banks are proliferating, professional manpower resources are stretching them.

    Clearly, a clear headed definition of corporate risk priorities embossed upon an appropriate credit culture rather than the short term opportunistic allure for “poisonous Profit” is the way to go.

    The government through its principal agent, the Central Bank of Nigeria controlled the quality of risk assets through the use of guidelines. The prudential guidelines which came into being in 1990 is one of such. Prior to this, credit quality classification and subsequent loan loss recognition were done haphazardly in banks. Even though prior to 1989 the CBN was solely responsible for bank general supervision, reports of loan loss classification were never for public consumption neither were banks given uniform guidelines to ensure safe and sound banking practice. This has however changed since 1989.The study seeks to take a Critical Analysis of the Relationship Between Credit Management and Bank Distress.

    The study carried out a survey of 40respondents of the bank. Research findings revealed that there exists a casual relationship between credit management and bank distress (See table 4.1(b).Although it was established that portfolio deterioration is pervasive in the Nigerian financial system and the need for continuous loan supervision and periodic portfolio reviews the study revealed that there is efficient credit management in Zenith Bank which has led to low risk exposure and insignificant debt portfolio or overhang.


    Critical Analysis of the Relationship Between Credit Management and Bank Distress

    CHAPTER ONE

    1.1 Introduction

    … As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Research hypothesis and questions, Limitation of the study and Definition of technical terms.…

    CHAPTER TWO

    2.0 Literature Review

    2.1 Introduction

    This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the conceputal review, theoretical framework, the review of related literature …

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    In preparation for defending a project or seminar on Critical Analysis of the Relationship Between Credit Management and Bank Distress, it is imperative that as a nursing student, you demonstrate comprehensive knowledge of your research. The defense process is structured to include presenting your work, answering questions, and illustrating its pertinence. Initially, provide a succinct yet thorough introduction to your research topic, emphasizing its importance and the objectives, ensuring that both the audience and the External Examiner can understand the scope of your study.

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