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Critical
Analysis Of The Relationship Between Credit Management And Bank Distress
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 40 respondents 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.
TABLE OF CONTENT:
CHAPTER ONE
INTRODUCTION
1.1 Background of the
Study
1.2 Statement of the
Research Problem
1.3 Objectives of the
Study
1.4 Significance of
the Study
1.5 Research Questions
1.6 Research
Hypothesis
1.7 Conceptual and
Operational Definition
1.8 Assumptions
1.9 Limitations of the
Study
CHAPTER TWO
LITERATURE REVIEW
2.1 Sources of
Literature
2.2 The Review
2.3 Summary of
Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
3.1 Research Method
3.2 Research Design
3.3 Research Sample
3.4 Measuring
Instrument
3.5 Data Collection
3.6 Data Analysis
3.7 Expected Result
CHAPTER FOUR
DATA ANALYSIS AND RESULTS
4.1 Data Analysis
4.2 Results
4.3 Discussion
CHAPTER FIVE
SUMMARY AND RECOMMENDATIONS
5.1 Summary
5.2 Recommendations
for Further Study
References
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