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CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS (A CASE STUDY OF UBA PLC) E-BANKING PRACTICES AND BANKS PERFORMANCE (A Case Study of Zenith Bank Plc)



ABSTRACT

The aim of this study is to examine the pattern of credit risk management and the consequential effect of bad, doubtful and uncollectible debts. In most banks, colossal debt burden has continued to mount pressure on their ability to balance liquidity in value asset and liabilities. Accordingly, a survey of 40 respondents made up of CBN regulator, NDIC supervisor and UBA operator was carried out, simple percentage frequency tabulated were used as the statistical test of analysis. The study revealed that while CBN and NDIC rated the risk management of asset and mounting debt profile low, UBA Plc rated itself effectively high. The study recommends periodic review of credit profile and monitoring the debt portfolio to prevent banks distress.

 
 

TABLE OF CONTENTS

 

CHAPTER ONE: INTRODUCTION

1.1       Background of Study          

1.2       Statement of Problem         

1.3       Objectives of the Study

1.4       Research Questions            

1.5       Research Hypothesis                      

1.6       Scope and Limitation of the Study

1.7       Significance of the Study

1.8       Definition of Terms

1.9       Study Outlines         

 

CHAPTER TWO: LITERATURE REVIEW

2.1       Origin of Banking   

2.2       Evolution and Structure of the Nigeria Banking System

2.2.1   Non Regulated Banking Period                 

2.2       Commercial Bank Credits and the Economy                  

2.3       The Role of Financial Institution in the Saving Investment Process

2.4       The Role in Capital Formation                  

2.5       Credits and Credit Risk Management

2.5.1   What is Credit?                    

2.5.2   What are Credit Risks

2.5.3   Sources of Credit Risk

2.5.4   Handling of Credit Risk

2.5.5   Credit Risk Management   

2.6       Application of 1988 Basle Standard by Nigerian Banks

2.7       Application of Guidelines to Bank Capital Requirement

2.8       Risk Asset Management Process

2.9       Target Market/Risk Asset Acceptance Criteria  

2.9.1   General         

2.9.2   Survey           

2.9.3   Industry Studies/Externally Induced Risks

2.9.4   Business Risk-Internally Induced Risk

2.9.5   Risk Asset Acceptance Criteria (RAAC)

2.9.6   Product Risk Asset Acceptance Criteria (PRAAC)

2.9.7   Prospect Lines                     

2.9.8   Reporting                  

2.9.9   Target Market Update

2.10.10Housekeeping Controls    

2.10    Credit Initiation and Analysis

2.10.1 Credit Initiation                   

2.10.2 Customer Solicitation

2.10.3 Negotiation

2.11    Credit Committee Review Approval

2.11.1 Control and Reporting Requirements      

2.12    Documentation and Disbursement

2.13    Conceptual Issues in Distress Management

2.14    Extent and Implications of Distress

2.14.1 Extent of Distress    

2.14.2 Implications of Distress for an Economy

2.1.5   Causes of Bank Distress    

2.15.1 Adverse Economic Conditions

2.15.2 Capital Inadequacy 

2.15.3 Inept Management  

2.16    Ownership Structure Interference in the Management of Banks

2.17    Distress Management in the Nigerian Banking Industry          

2.18    Moral Suasion                                 

2.19    Imposition of Holding Actions     

 

CHAPTER THREE: RESEARCH METHODOLOGY

3.0       Introduction             

3.1       Research Design                  

3.2       Restatement of Hypothesis

3.3       Population of Study                        

3.4       Sample and Sampling Technique

3.5       Determination of Sample Size                              

3.6       Research Instrument                                               

3.7       Method of Data Collection                        

3.8       Validity and Reliability of Instrument

3.9       Method of Data Analysis                           

 

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.0       Introduction                                                             

4.1       Testing of Hypothesis                                

4.2       Definition of Variables                  

 

CHAPTER FIVE:

SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS

5.1       Summary of Findings         

5.2       Conclusion               

5.3             Recommendations  

Bibliography            

Appendix                  


CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS (A CASE STUDY OF UBA PLC) E-BANKING PRACTICES AND BANKS PERFORMANCE (A Case Study of Zenith Bank Plc)


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All Project Materials Inc. (2020). CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS (A CASE STUDY OF UBA PLC) E-BANKING PRACTICES AND BANKS PERFORMANCE (A Case Study of Zenith Bank Plc). Available at: https://allprojectmaterials.com/department/paper-1372.html. [Accessed: ].

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