Relationship Between Credit Management and Financial Performance of Listed Banks in Oman

Rahil Salim AL-Nabhani, Rusl Khamis AL- Alwi, Saja Samir AL-Zadjali and Dr. Nuzhat Sadriwala
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Rahil Salim AL-Nabhani: Student at Oman College of Management and Technology
Rusl Khamis AL- Alwi: Student at Oman College of Management and Technology
Saja Samir AL-Zadjali: Student at Oman College of Management and Technology
Dr. Nuzhat Sadriwala: Assistant Professor at Oman College of Management and Technology

International Journal of Research and Innovation in Social Science, 2024, vol. 8, issue 2, 1809-1827

Abstract: Throughout the past few years, credit management and bank financial performance have become hot topics among accounting researchers. Studies from industrialized nations have contributed to the growing body of literature on these topics, though this may not be entirely accurate in the case of emerging economies. Thus, the study looked at how the Sultanate of Oman’s chosen listed banks’ credit management and financial performance related to each other. Data from selected listed banks in the Sultanate of Oman’s annual reports and websites were generated. According to the study’s findings, bank profitability declined between 2018 and 2022 because of declining interest margins and a poor correlation between credit management and financial performance in banks with Omani listings. The analysis also found that, because of the company’s inability to repay loans, earnings declined between 2018 and 2022, resulting in a slight increase in total assets. As a result, the study concludes that the financial pattern across the banks in the bank sample seems to be inconsistent. Also, the data was analysed with help of statical tools like Excel, Dot CSV and smart PLS 3.0. Correlations and regression analysis was to establish relationship between independent and dependent variable. There has been significant relationship between Return on Asset and Credit management

Date: 2024
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