Home / Accounting / AN EVALUATION OF CREDIT MANAGEMENT AND ITS EFFECTS ON BANKS’ PROFITABILITY; A COMPARATIVE STUDY OF FIRST BANK PLC AND FIDELITY BANK PLC

AN EVALUATION OF CREDIT MANAGEMENT AND ITS EFFECTS ON BANKS’ PROFITABILITY; A COMPARATIVE STUDY OF FIRST BANK PLC AND FIDELITY BANK PLC

 

Table Of Contents


Chapter ONE

1.1 Introduction
1.2 Background of Study
1.3 Problem Statement
1.4 Objective of Study
1.5 Limitation of Study
1.6 Scope of Study
1.7 Significance of Study
1.8 Structure of the Research
1.9 Definition of Terms

Chapter TWO

2.1 Overview of Credit Management
2.2 Importance of Credit Management in Banking
2.3 Historical Development of Credit Management in Banks
2.4 Theoretical Framework of Credit Management
2.5 Credit Risk Assessment in Banks
2.6 Credit Recovery Strategies in Banks
2.7 Technology and Innovation in Credit Management
2.8 International Best Practices in Credit Management
2.9 Challenges in Credit Management
2.10 Comparative Analysis of Credit Management in First Bank PLC and Fidelity Bank PLC

Chapter THREE

3.1 Research Methodology Overview
3.2 Research Design
3.3 Data Collection Methods
3.4 Sampling Techniques
3.5 Data Analysis Tools
3.6 Ethical Considerations
3.7 Limitations of the Research Methodology
3.8 Validity and Reliability of Data

Chapter FOUR

4.1 Overview of Findings
4.2 Analysis of Credit Management Practices in First Bank PLC
4.3 Analysis of Credit Management Practices in Fidelity Bank PLC
4.4 Comparison of Profitability Metrics in First Bank PLC and Fidelity Bank PLC
4.5 Impact of Credit Management on Banks' Profitability
4.6 Factors Influencing Credit Management Strategies
4.7 Recommendations for Improving Credit Management
4.8 Implications for Future Research

Chapter FIVE

5.1 Summary of Findings
5.2 Conclusions Drawn from the Study
5.3 Contributions to Existing Literature
5.4 Practical Implications for Banks
5.5 Recommendations for Future Research

Thesis Abstract

This study; An Evaluation of Credit Management and its Effects on Banks’ profitability; A comparative study of First Bank PLC and Fidelity Bank PLC is concerned with examining the process of credit management in the banks and the effect of non performing loan on the performance of Nigeria Banks. The results show that the impact of loan loss reserve has a negative impact on profit. This implies that higher credit risks, the higher the profit. The methodology used was interview technique for data collection. Managers and lending officers of the two Banks were interviewed, and it was discovered that Fidelity Bank PLC which is a new generation bank performed better during the period under review. This was discovered to be as a result of their highly skilled personnel and intensive computer network.   In summary, it was recommend that Nigeria banks discard other internal problem that delay credits to worthy customers in order to build confidence in the system and make bank credits worthwhile venture at the same time improving performance. Also, there should be less interference from top management staff and board of directors.



Thesis Overview

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