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Evaluation of Credit Risk Management on the Performance of Nigerian banks

Evaluation of Credit Risk Management on the Performance of Nigerian banks

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DEDICATION

This research material, titled “Evaluation of Credit Risk Management on the Performance of Nigerian banks” 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 Evaluation of Credit Risk Management on the Performance of Nigerian banks 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

    The study aims at assessing merger and acquisition as a tool for corporate restructuring. The objectives of the study are: to find out if the volume of assets of banks improved after survival strategies of restructuring were employed: to find out how restructuring adopted by the banks have affected deposit mobilizations; to find out if the volume of loans and advances improved after adopting the restructuring strategies through sanitizing and restructuring; to know whether profitability of banks improved as a result of mergers and acquisition strategies adopted by banks after sanitization and restructuring. Primary sources of data collection where questionnaire was distributed to respondent which was used to test the hypothesis of the study using chi-square. The study revealed that Merger and Acquisition is a vital tool for corporate restructuring in the banking organisations and Merger and Acquisition is effective in achieving corporate restructuring in the banking industry. It is recommended that,: businesses in Nigeria should continue to employ the mergers and acquisition strategy as a tool for restructuring and reorganizing to foster growth in business in particular, the financial sub-sector of the economy should use the strategy to remain in business; to popularize merger and acquisition as a strategic option in our economy, the government should enact a, regulatory framework for merger and acquisition to meet changing needs and international standard.


    Evaluation of Credit Risk Management on the Performance of Nigerian banks

    CHAPTER ONE

    Introduction

    1.1 Background to the Study

    Credit risk refers to the probability of incurring losses resulting from non-payment of loans or other forms of credit by debtors. Credit risks are faced by lenders to consumers, lenders to business, business and even individuals. Credit risks, nevertheless, are mostly encountered in the financial sector particularly banking institutions. The biggest risk facing banking and financial intermediaries, however, remains credit risk, the risk of customer or counter party default. In between the late 1990s were years of financial boom, as the number of players increased substantially in the system. The banks witnessed rising non-performing credit portfolios in banks and these significantly contributed to the financial distress in the banking sector. Also identified was the existence of predatory debtor in the banking system whose modus operandi involved the abandonment of their debt obligations in some banks only to contract new debts in other banks. The increase in the number of banks over-stretched the existing human resources capacity of banks which resulted into many problems such as poor credit appraisal system, financial crimes, accumulation of poor asset quality among others (Sanusi, 2002). The consequence was the increase in the number of distressed banks.

    In Nigeria, the rising cases of bank failures have also become a major source of concern for policy makers. It is not surprising to find banks to have non-performing loans that exceed 50 per cent of the bank's loan portfolio. The deregulation of the financial system embarked upon from 1986 allowed the influx of banks into the banking industry.

    …

    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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