EFFECT OF CREDIT RISK MANAGEMENT ON THE PERFORMANCE OF BANKS IN NIGERIA (A CASE STUDY OF UNION BANK PLC)

ABSTRACT

 The study aimed at assessing the efficiency of credit risk management on banks performance. Secondary source of data were used for the study. Correlation Coefficient and regression analysis were used in testing the hypotheses. The study concludes that credit risk affect the performance of Union Bank of Nigeria Plc and that to maintain high interest income, attention needs to be given to credit risk management especially regarding the lending philosophy of Union Bank of Nigeria Plc. The study recommends that Union Bank of Nigeria Plc should ensure that loans given out to customers should be adequately reviewed from time to time to assess the level of its risk; such loan should be backed by collateral security.

TABLE OF C0NTENTS

Title pagei

Certificationii

Dedicationiii

Acknowledgementiv 

Abstractvii

Table of content

CHAPTER ONE: INTRODUCTION 

1.1Background of the Study1

1.2Statement of the Problem3

1.3Objectives of the Study5

1.4Research Hypothesis6

1.5Significance of the Study6

1.6Scope of the Study6

1.7Limitation of the Study7

1.8Definition of Terms 7

CHAPTER TWO: LITERATURE REVIEW 

2.1Literature Review8

CHAPTER THREE: METHODOLOGY 

3.1Introduction 25

3.2Model Specification 25

3.3Reliability of the Research Variable 26

3.4Source of Data27

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS 

4.1Data Presentation 29

4.2Data Analysis 31

4.3Testing of Research Hypothesis 33

CHAPTER FIVE: SUMMARY, CONCLUSION AND

 RECOMMENDATION 

5.1Summary37

5.2conclusion 37

5.3recommendation38 

References40 

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