KAMAL, ADEKUNLE (2020) CREDIT RISK MANAGEMENT AND PROFITABILITY (PAT) OF DEPOSIT MONEY BANKS (DMBS) IN NIGERIA. In: 18TH ANNUAL NATIONAL CONFERENCE (VIRTUAL) 2020, 1-4TH SEPTEMBER, THE FEDERAL POLYTECHNIC, ILARO, OGUN STATE.. (Unpublished)
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CREDIT RISK MANAGEMENT AND PROFITABILITY (PAT) OF DEPOSIT MONEY BANKS (DMBs) IN NIGERIA.docx Download (63kB) |
Abstract
The study examined the impact of credit risk management and profitability (PAT) of Deposit Money Banks (DMBs) in Nigeria context for the period of 2006 to 2018. Secondary data were sourced from Central Bank of Nigeria Statistical Bulletins and the Annual Reports of all the existing DMBs studied. The study employed multiple regression technique in analyzing the data that gathered, the analysis was done using ordinary least square method and Augment Dickey Fuller (ADF)with E-View 9 Econometric tool. The variables employed include loan to total asset, non-performing loan, loan loss provision ratio and interest rate. The result revealed thatthere is no significant relationship between non-performing loan and profitability of deposit money bank Nigeria.It is therefore, recommended that banks management should put in place or institute sound lending framework, ensure judicious utilization of deposits and maximization of profits in both the short and long term and before monetary policy committee will increase credit volume, the interest rate policy must be considered within the frame of economic circumstances of the time for low interest rate does facilitate quick repayment and drastically minimize debt failure. Keywords: Profit after Tax, Non-performing Loan Ratio, Loan Loss Provision Ratio, Loan to Total Asset Ratio, Interest Rate.
| Item Type: | Conference or Workshop Item (Paper) |
|---|---|
| Subjects: | H Social Sciences > H Social Sciences (General) |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Unnamed user with email [email protected] |
| Date Deposited: | 13 Jul 2021 15:17 |
| Last Modified: | 13 Jul 2021 15:17 |
| URI: | http://eprints.federalpolyilaro.edu.ng/id/eprint/1751 |
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