Risk Analysis and Facility Management in Commercial Banks

Risk Analysis and Facility Management in Commercial Banks

Project / Seminar Material
Reference ID: PS-13002-TM

DEDICATION

This research material titled “Risk Analysis and Facility Management in Commercial Banks” is dedicated to God for his enabling grace, and to all computer enthusiasts who contributed to make life a pleasant experience during my research documentation.

ACKNOWLEDGEMENT

I extend my sincere gratitude to all those who contributed to the completion of this project. Special thanks to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Banking and Finance (BF), Book Authors and Profound Scholars of existing or related project material on “Risk Analysis and Facility Management in Commercial Banks” for their invaluable guidance, support, and expertise throughout the journey.

I am also grateful to your study area (mention any funding organizations, if applicable) for their financial assistance. This research would not have been possible without the encouragement and assistance of some stakeholders (mention any mentors, teachers, or colleagues). Additionally, I would like to acknowledge the understanding and patience of my family and friends during this endeavor. Your unwavering support has been a constant source of motivation. Thank you all for being part of this meaningful endeavor.

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”

    ABSTRACT

    This research topic is on risk analysis and financial management in commercial banks, the case study being an Islamic bank, Islamic banks are well known for interest free banking, as a result of this interest free banking, most Islamic banks resort to asset lending or business financing. This project aims to assess the type of risks that affect Islamic banks, types of facilities available to their customers, the type of risks associated with each facility, mitigation techniques or processes associated with them and the differences between their conventional counterparts. Content analysis between books of the case study and another conventional bank (zenith bank) was used and a comparative analysis was done between these two banks to determine the type of risks faced by both banks and how the banks mitigate such risks.

    Risk Analysis and Facility Management in Commercial Banks

    CHAPTER ONE

    General Introduction

    1.1 Background To The Study

    Islamic Banking is interest free banking which makes it necessary for Islamic Banks to take active part in the operations of this business. Banks including Islamic Banks prefer to take minimum risks. On the surface it may seem that Islamic Banks face more risks and hence, will have more volatile or even negative returns on their assets.

    This research project analyses the risks management procedures of Islamic Banking by giving differential analysis on risk management, and facility management. There are basically 3 types of Banks, commercial, development and central Bank, within the commercial Banking sector, there are some Banks operating on different principles, such as the JAIZ BANK which operates on the principles of Islamic Banking.

    This research is aimed at ascertaining the risk and facility management strategies adopted by commercial Banks to enable them stay afloat and remain profitable. Different Banks adopt different strategies depending on their orientation, objectives and organizing principles.

    The histonography of early Islam refers to the study of early history of Islam during the 7th century, from prophet Muhammad’s 1st revelations in A.D 610 until the disintegration of the rashidun caliphate in A.D661, and arguably throughout the 8th century and the duration of the Umayyad caliphate, terminating in the incipient Islamic golden age around the beginning of the 9th century.

    The first experimental local Islamic Bank was established in the late 1950’s in a rural area of Pakistan which charged no interest on its lending. A remarkable effort in sharia complaint saving Banking was undertaken 1968 in rural Egypt by economists Ahmad Elnagger to appeal to people who lacked confidence in state run Banks.

    The influx of “petro-dollars” and a general reislamization following the October war and 1973 oil crisis gave great help to the development of Islamic Banking sector. In 1975, the Islamic Banking sector was set up with the mission of providing funding to projects in the member countries.

    The 1st modern commercial Islamic Bank, Dubai Islamic Bank, opened its doors in 1975. Islamic Banks have over 300 institutions spread over 51 countries including United States, United Kingdom, and Nigeria

    …

    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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