Home » Business Admin. and Management » EVALUATION OF CREDIT RISK MGT ON THE PERFORMANCE OF NIGERIAN BANKS
EVALUATION OF CREDIT RISK MGT ON THE PERFORMANCE OF NIGERIAN BANKS
Sold By: Joe Project Store | Item Type: Project Material | Report this? | Attributes: 65 pages | 1-5 chapters | Amount: ₦5,000 | Marked useful: 3,026 times
Delivery: Within 24 hoursAbstract
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.
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.
This material content is developed to serve as a GUIDE for students to conduct academic research
Find What You Want By Category:
Delivery: Within 24 hours
Advertise Here
For advertisement, call 08168958821
Not what you were looking for? Perform a search
What's your project topic?
Comment on Facebook:
Related Project Materials
- 1.
UNVEILING AND ADDRESSING THE FACTORS IMPEDING THE IMPLEMENTATION OF MONETIZATION POLICY IN NIGERIAN ...
CHAPTER ONE INTRODUCTION 1.1 Background of the Study In recent years, governments worldwide have been striving to implement strategies aimed at imp...More »
Item Type: Project Material | 54 pages | 188 engagements |
- 2.
THE IMPACT OF INVENTORY MANAGEMENT ON THE ORGANIZATIONAL PERFORMANCE OF THE SELECTED MANUFACTURING F...
CHAPTER ONE INTRODUCTION Background of the study Historically, the necessity of inventory control was not recognised. Indeed, an abundance of inven...More »
Item Type: Project Material | 54 pages | 188 engagements |
- 3.
THE EFFECTS OF CASHLESS POLICY ON THE FINANCIAL PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN NIGER...
CHAPTER ONE INTRODUCTION 1.1 Background to the Study Employment creation is one manner in which small and medium sized businesses can contribute to...More »
Item Type: Project Material | 54 pages | 207 engagements |
- 4.
MONETIZATION REFORM POLICY AS A PREDICTOR OF STAFF PERFORMANCE ON THE PUBLIC SECTOR OF NIGERIA
CHAPTER ONE INTRODUCTION 1.1 Background of the Study People working for the government are regarded as permanent employees of the many government a...More »
Item Type: Project Material | 54 pages | 94 engagements |
- 5.
LEADERSHIP STYLES AS CORRELATE OF ORGANIZATIONAL PRODUCTIVITY; AN ASSESSMENT OF EMPLOYEES IN THE BAN...
CHAPTER ONE INTRODUCTION 1.1 Background of the Study One essential leadership function is inspiration, which involves motivating a group of individ...More »
Item Type: Project Material | 54 pages | 126 engagements |
- 6.
INVESTIGATING THE CHALLENGES AFFECTING THE EFFECTIVE IMPLEMENTATION OF MONETIZATION POLICY IN GOVERN...
CHAPTER ONE INTRODUCTION 1.1 Background of the Study The Monetization Policy, which was implemented in the Nigerian Public Service in 2003, marked ...More »
Item Type: Project Material | 54 pages | 112 engagements |