Strategic Effects of Credit Risk Management (CRM) On the Performance of Nigerian Deposit Money Banks

Abiola Idowu* and Adedokun Taiwo O.
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Abiola Idowu*: Department of Management and Accounting, Faculty of Management Sciences, Ladoke Akintola University of Technology, Ogbomoso, Oyo State, Nigeria
Adedokun Taiwo O.: Department of Management and Accounting, Faculty of Management Sciences, Ladoke Akintola University of Technology, Ogbomoso, Oyo State, Nigeria

Sumerianz Journal of Economics and Finance, 2018, vol. 1, issue 4, 91-102

Abstract: The paper examined the effects of strategic credit risk management on the performance of selected Nigeria Deposit Money Banks. The specific objectives examined the type of credit risk management policies adopted by Nigeria Deposit Money Banks, evaluated the impact of asset quality management on the performance of Nigeria Deposit Money Banks and to analyzed the extent to which credit risk management policies influenced the performance of Nigeria Deposit Money Banks. Ten banks were sampled constituting 52% of the total population of the deposit taking banks in Nigeria as of February, 2018. Secondary data were used for the study and this was collected from the annual reports of the selected banks. Descriptive statistics such as frequency tables, percentages, standard, and deviation minimum and maximum were used to describe the data while data envelopment analysis and panel data regression with random and fixed effect analysis were used for major research questions and hypothesis.The results showed that asset quality management had an overall mean of 215.9678; standard deviations were 1663, minimum and maximum were 0.3868 and l2.888.The constant and coefficient are statistically significant confirmed by Prob. F = 0.0000. Asset quality management variables namely; return on average asset (p = 20304.15; p

Keywords: Credit risk management; Banks performance; Financial risks; Pure risks; Credit creation (search for similar items in EconPapers)
Date: 2018
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