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IMPACT OF CREDIT RISK MANAGEMENT ON THE PROFITABILITY OF LISTED MONEY BANKS IN NIGERIA
Abstract
This study examines the impact of credit risk management on the profitability of listed money banks in Nigeria. The banking sector is pivotal to the economic stability and growth of a nation, and effective credit risk management is essential for maintaining the financial health of these institutions. The study employs a quantitative approach, utilizing financial data from selected listed money banks over a period of years to analyze key indicators such as non-performing loans, capital adequacy, and return on assets. By exploring the relationship between credit risk management practices and bank profitability, the study provides insights into how Nigerian banks can optimize their risk management strategies to enhance their financial performance. The findings reveal a significant correlation between sound credit risk management and improved profitability, emphasizing the need for robust risk assessment and mitigation frameworks in the Nigerian banking industry. The study concludes with recommendations for policy makers and bank management to strengthen credit risk management practices, which are crucial for sustaining profitability and contributing to the broader economic stability of the country.
Table of Contents
Chapter One: Introduction
1.1 Background of the Study
1.2 Statement of the Problem
1.3 Research Objectives
1.4 Research Questions
1.5 Research Hypotheses
1.6 Significance of the Study
1.7 Scope of the Study
1.8 Limitations of the Study
1.9 Definition of Key Terms
Chapter Two: Literature Review
2.1 Conceptual Framework
2.1.1 Credit Risk Management
2.1.2 Profitability in Banking
2.1.3 Listed Money Banks in Nigeria
2.2 Theoretical Framework
2.2.1 Credit Risk Theories
2.2.2 Risk-Return Tradeoff Theory
2.2.3 Agency Theory
2.3 Empirical Review
2.3.1 Global Perspectives on Credit Risk Management and Profitability
2.3.2 Credit Risk Management in Nigerian Banks
2.3.3 Comparative Studies on Credit Risk Management and Profitability
2.4 Summary of Literature Review
Chapter Three: Research Methodology
3.1 Research Design
3.2 Population and Sample Size
3.3 Sampling Technique
3.4 Data Collection Methods
3.4.1 Primary Data
3.4.2 Secondary Data
3.5 Data Analysis Techniques
3.6 Model Specification
3.7 Reliability and Validity of Instruments
3.8 Ethical Considerations
Chapter Four: Data Presentation, Analysis, and Interpretation
4.1 Data Presentation
4.1.1 Descriptive Statistics
4.1.2 Trend Analysis of Credit Risk Indicators
4.2 Data Analysis
4.2.1 Correlation Analysis
4.2.2 Regression Analysis
4.3 Interpretation of Results
4.3.1 Impact of Non-Performing Loans on Profitability
4.3.2 Impact of Capital Adequacy on Profitability
4.3.3 Other Key Findings
4.4 Discussion of Findings
Chapter Five: Summary, Conclusion, and Recommendations
5.1 Summary of Findings
5.2 Conclusion
5.3 Recommendations
5.3.1 Recommendations for Bank Management
5.3.2 Recommendations for Policy Makers
5.4 Contribution to Knowledge
5.5 Suggestions for Further Research
References
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