ABSTRACT
This research titled “Global Economic Crisis and Credit Risk
Management in Nigerian Deposit Money Banks: A Case Study of First Bank Nigeria
Limited”. Chapter one is the introduction of the study, statement of the
problem, objective of the study and prelude to the significant of the study,
research hypothesis and scope and limitation of the study. Chapter two the
review of related literature, Concept of Credit Risk, Credit Risk Management in
Nigerian Deposit Money Banks, Recent Development in the Nigerian Deposit Money
Banks, Risk Factors in the Nigerian Deposit Money Banks, Softwares Used In
Managing Risk in the Nigerian Deposit Money Banks and Lessons from the Current
Global Economic Crisis, Causes and Consequences of Current Global Economic
Crisis, Credit Risk Management and its Effect on Nigerian Deposit Money Banks,
Effect of Credit Risk Management in Nigeria Deposit Money
Bank Before, During, and After the Global Economic Crisis. Chapter three is the
research methodology and primary data were generated through the use of the
questionnaire. The study employed the use of chi-square in analyzing the data
obtained. The findings of this study pointed out the fact that the global
economic crisis had a deteriorating effect on all sectors in the economy.
Chapter four is the data presentation and analysis where frequency table was
used. Chapter five is the summary, conclusion and recommendations were drawn.
TABLE OF
CONTENTS
Title
page
Abstract
Table
of contents
List
of tables
CHAPTER ONE: INTRODUCTION
1.1 Background of the Study
1.2 Statement of the Problem
1.3 Objectives of the Study
1.4 Research Hypothesis
1.5 Scope and Limitation of the Study
1.6 Significant of the Study
1.7 Chapterization
CHAPTER TWO: LITERATURE REVIEW
2.1 Introduction
2.2 The Concept of Credit Risk
2.3 Credit Risk Management in Nigerian
Deposit Money Banks
2.4 Recent Development in the Nigerian
Deposit Money Banks
2.5 Risk Factors in the Nigerian Deposit
Money Banks
2.6 Softwares Used In Managing Risk in the
Nigerian Deposit Money Banks
2.7 Lessons from the Current Global Economic Crisis: A Creditrisk
Management Approach
2.8 Current Global Economic Crisis – Causes
and Consequences
2.9 Credit Risk Management Strategies
2.10 Credit Risk Management and its Effect on
Nigerian Deposit Money Banks
2.11 Effect of Credit Risk Management in Nigeria Deposit Money Bank
Before, During, and After the Global Economic Crisis
CHAPTER THREE: RESEARCH METHODOLOGY
3.1 Introduction
3.2 Research Design
3.3 Population of the Study
3.4 Sampling Techniques and Sample Size
3.5 Sources of Data Collection
3.6 Method of Data Analysis
CHAPTER FOUR: DATA PRESENTATION AND
ANALYSIS
4.1 Introduction
4.2 Test of Hypothesis
4.3 Summary of Findings
CHAPTER FIVE: SUMMARY, CONCLUSION AND
RECOMMENDATIONS
5.1 Summary
5.2 Conclusion
5.3 Recommendations
Bibliography
Appendix
CHAPTER ONE
INTRODUCTION
1.1 Background
of the Study
The global economic
crisis has begun in August 2007 and has been considered the worst economic
crisis since the` Great Depression by George Soros, Alan Greenspan, Joseph
Stiglitz, Jean Claude Trichet, and the International Monetary Fund. Among the
factors that contributed to the current economic crisis are cited: increased
innovation in economic products and their growing complexity; inappropriate
regulation and supervision of financial markets; poor credit risk management
practices at Nigerian deposit money banks and other financial institutions;
increased complexity of financial systems; financial market speculation;
predatory lending practices; a combination of cyclical and structural factors
(Dianu and Lungu, 2008); Credit risk management is described in the financial
literature as being concerned with identifying and managing a firm’s exposure
to financial risk; financial risk is defined as the variability in cash flows
and market values caused by unpredictable changes in the commodity prices,
interest rates and exchange rates (Kaen, 2005).
Credit risk
management has become a booming industry starting ’90 as a result of the
increasing volatility of financial markets, financial innovations (financial
derivatives), the growing role played by the financial products in the process
of financial intermediation, and important financial losses suffered by deposit
money banks without credit risk management systems (for example, First Bank,
Eco Bank and GT Bank etc). Some credit risk management practices in recent
years appear to have been driven by the need to meet regulatory expectations
set by such initiatives as in Nigeria. Forward contracts, futures, options,
swaps, and other more complex financial instruments allow today banks to
transfer risks to other economic agents who are able or more willing to bear
them (Kaen, 2005).
Credit risk management is
nowadays considered as a key activity for all banks. Many of the disastrous
losses of the 1990s, such as those at Orange County in 1994 and Barings bank in
1995, would have been avoided if good credit risk management practices have
been in place (Hull, 2007).
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