CREDIT RISK MANAGEMENT AND RETURN ON ASSETS OF DEPOSIT MONEY BANKS IN NIGERIA
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| Formato: | Recurso digital |
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2017
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| _version_ | 1866901499567669248 |
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| author | Igbedion, Sira Badey |
| author_facet | Igbedion, Sira Badey |
| contents | <p><em><span lang="EN-GB">This study is carried out to investigate credit risk management and its effect on the return on assets of Nigerian deposit money banks using secondary data from the </span></em><em><span lang="EN-GB">Central Bank of Nigeria Statistical Bulletin and the Nigerian Stock Exchange fact book </span></em><em><span lang="EN-GB">over the period of 1980 to 2014.<span> </span>To achieve stability and profitability, banks need to prioritise credit risk management, which will lead to a stronger financial sector and economy. </span></em><em><span lang="EN-GB">A multiple regression model was employed to evaluate the relationship between the variables</span></em><em><span lang="EN-GB"> and a mixed result was generated. It was revealed from the study that t</span></em><em><span lang="EN-GB">here is a positive and insignificant relationship between the ratio of non-performing loans to loans and advances</span></em><em><span lang="EN-GB">, </span></em><em><span lang="EN-GB">ratio of performing loans to total loans and advances and ratio of total loans and advances to total deposits</span></em><em><span lang="EN-GB"> and</span></em><em><span lang="EN-GB"> the return on assets, but </span></em><em><span lang="EN-GB">a </span></em><em><span lang="EN-GB">negative and insignificant relationship</span></em><em><span lang="EN-GB"> exists</span></em><em><span lang="EN-GB"> between the ratio of loan loss provisioning to loans and advances and </span></em><em><span lang="EN-GB">return on assets</span></em><em><span lang="EN-GB">.</span></em><em><span lang="EN-GB"> It was recommended that banks should develop credit measures and frameworks to reduce bad loans while interest rates should be reviewed by the government to attract depositors. There should also be enlightenment programs to increase the knowledge of customers on credit and appropriate investment opportunities.</span></em></p> |
| format | Recurso digital |
| id | zenodo_https___doi_org_10_5281_zenodo_15335864 |
| institution | Zenodo |
| language | |
| publishDate | 2017 |
| publisher | Zenodo |
| record_format | zenodo |
| spellingShingle | CREDIT RISK MANAGEMENT AND RETURN ON ASSETS OF DEPOSIT MONEY BANKS IN NIGERIA Igbedion, Sira Badey Credit Risk Return on Assets non-performing loans Loan loss provisioning <p><em><span lang="EN-GB">This study is carried out to investigate credit risk management and its effect on the return on assets of Nigerian deposit money banks using secondary data from the </span></em><em><span lang="EN-GB">Central Bank of Nigeria Statistical Bulletin and the Nigerian Stock Exchange fact book </span></em><em><span lang="EN-GB">over the period of 1980 to 2014.<span> </span>To achieve stability and profitability, banks need to prioritise credit risk management, which will lead to a stronger financial sector and economy. </span></em><em><span lang="EN-GB">A multiple regression model was employed to evaluate the relationship between the variables</span></em><em><span lang="EN-GB"> and a mixed result was generated. It was revealed from the study that t</span></em><em><span lang="EN-GB">here is a positive and insignificant relationship between the ratio of non-performing loans to loans and advances</span></em><em><span lang="EN-GB">, </span></em><em><span lang="EN-GB">ratio of performing loans to total loans and advances and ratio of total loans and advances to total deposits</span></em><em><span lang="EN-GB"> and</span></em><em><span lang="EN-GB"> the return on assets, but </span></em><em><span lang="EN-GB">a </span></em><em><span lang="EN-GB">negative and insignificant relationship</span></em><em><span lang="EN-GB"> exists</span></em><em><span lang="EN-GB"> between the ratio of loan loss provisioning to loans and advances and </span></em><em><span lang="EN-GB">return on assets</span></em><em><span lang="EN-GB">.</span></em><em><span lang="EN-GB"> It was recommended that banks should develop credit measures and frameworks to reduce bad loans while interest rates should be reviewed by the government to attract depositors. There should also be enlightenment programs to increase the knowledge of customers on credit and appropriate investment opportunities.</span></em></p> |
| title | CREDIT RISK MANAGEMENT AND RETURN ON ASSETS OF DEPOSIT MONEY BANKS IN NIGERIA |
| topic | Credit Risk Return on Assets non-performing loans Loan loss provisioning |
| url | https://doi.org/10.5281/zenodo.15335864 |