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Impact of Credit Risk Management on Liquidity Growth and Profitability of Commercial banks

Impact of Credit Risk Management on Liquidity, Growth and Profitability of Commercial banks

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Reference ID: PS-14808-TM

DEDICATION

This research work titled "Impact of Credit Risk Management on Liquidity, Growth and Profitability of Commercial banks" is dedicated to God for his enabling grace and to all computer enthusiasts who help to make life a pleasant experience.

ACKNOWLEDGEMENT

I owe my indebtedness to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Business Administration and Management (BAM), Book Authors and Profound Scholars of existing/related research material for your moral support that facilitated the successful completion of my (Tertiary Institution level). I am grateful to God Almighty and my parent for their financial support in my career. I really appreciate you all for everything, Thank you very much.

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

    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”


    Impact of Credit Risk Management on Liquidity, Growth and Profitability of Commercial banks

    CHAPTER ONE

    1.0 Introduction

    1.1 General Background Of The Study

    Bank plays a central role in the economy by providing financial intermediation services. To do this effectively, they must have the capacity to lend and expand the balance sheet, and it must be profitable in doing so, this means that there must be demand for their services and the banks are completive and efficient at meeting this while all this may be seen s self evident we observe that the role of commercial banks change over time. Banks are required to channel the funds generated into profitable economic activities through investors subject to the constraints imposed by the relevant regulatory bodies.

    These judiciary responsibilities imposed on the banks three seemingly incompatible.

    1. Tasks of satisfying – to ensure the safety of the fund entrusted to it
    2. Profitable – to ensure the safety of the fund entrusted to it
    3. Growth – to earn adequate returns for the owners of the funds into profitable activities.

    The extension of credit by banks to borrows involves risk and the ability of the banking industry at fulfilling this role depends to a large extent of the banking industry at fulfilling this role b depends to a large ext6ent on the quality of the lending decision lending has been described as the core function of commercial banks (Robinsons 1962) loans and advances usually constitute the largest asset to banks and interest on these and advances constitute.

    The most important sources of income for the banking industry in Nigeria today, the quality of the lending decision of commercial banks leaves much to be desired (Ariyo 1984) with all that has been written on the techniques of lending money.

    The difficulties being faced by banks have led them to exercise great caution in extending concisely as loan and advances, due to inability or unwillingness or both for which the beneficially has not persistently compli9ed with the terms and conditions for granting them. Recovery of such loans is unlikely and the central bank o9f Nigeria (CBN) came in through special additional regulation. The central licensed banks in a circular letter No BSD/CO/213/VOL/I/11 of November 7, 1990 it outlined minimum requirement for asset classification disclosure, provisioning treatment of accrued interest and balance sheet engagement it sets out the principle on which provision and write-off are made against problem loans.

    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 …

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