- The Complete Research Material is averagely 59 pages long and it is in Ms Word Format, it has 1-5 Chapters.
- Major Attributes are Abstract, All Chapters, Figures, Appendix, References.
- Study Level: BTech, BSc, BEng, BA, HND, ND or NCE.
- Full Access Fee: ₦6,000
Get the complete project »
![Download Code Ready Instant Download Active](https://codemint.net/assets/home/instantdownloadMain.png)
CHAPTER ONE
INTRODUCTION
1.1 Background of the Study
Risk Management is the identification assessment and prioritization of risks. It is the effect of uncertainty on objectives, whether positive or negative followed by coordinated and economic of application of resources to monitor and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities (Okeh, 2006).
The survival of every commercial bank depends on its ability to manage its risks and loans or advance portfolio effectively. However in the recent past, commercial banks in Nigeria witnessed rising non-performing credit portfolios and these significantly contributed to the financial distress in the banking sector.
Financial organization need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credit or transaction. This is so because the survival and ability of financial institution to compete depend on their ability to profitability and manage credit risk. This is the reasons why lending is based on the two fundamental products of banking: money and information. Banks obtain these products from customers themselves by offering customer valuable services. They package money and information about their borrowers together with valuable banking services to create loan agreements and sell the loan agreements back to their customers (Hempel and Simonson, 2007).
As such, risk rating system in financial institution contains both objective and subjective elements. Objective aspect are based on financial statements and application of certain financial ratio that reflect liquidity, leverage and earnings. Despite the requirement that risk be quantified, risk rating systems always have a subjective dimension that attempts to capture intangibles such as the quality of management, the borrower’s status within the industry, and the quality of financial reporting. These subjective items may result in inconsistencies.
It is in this regard that many financial institutions have faced difficulties over the years arising from their inability to effectively manage credit risk. As such the major cause of serious banking problems continues to be directly related to tax credit standard for borrowers and counterparties, poor portfolio risk management, or lack of attention lead to a deterioration in the credit standard of a bank’s counterparties. Hence, the need to investigate the subject matter of this research becomes imperative.
1.2 Statement of the Problem
Commercial banks in the recent past witness rising non-performing credit portfolios sequel to the inability of their management to effectively manage risk and credit administration. That problem resulted to high bad debts in commercial bank and a number of other commercial banks were classified as distressed banks by the monetary authorities.
Consequently, the need to examine the subject matter: An Assessment of risk management and credit administration in Union Bank Plc, Kaduna Main branch becomes worthy of investigation.
1.3 Objectives of the Study
The central objective of the study is to assess risk management and credit administration in Union Bank Plc, Kaduna. The specific objectives are:
i) To examine risk management system in Union Bank Kaduna Main Branch.
ii) To assess credit administration in Union Bank Kaduna Main Branch.
iii) To identify the constraints militating against risk management and credit administration in Union Bank.
iv) To proffer workable solutions to the identified problems.
1.4 Significance of the Study
This study will be beneficial to financial institution especially Union Bank Plc, as they utilize the finding of this study as a basis for policy formulation regarding risk management and credit administration in Banks. The shareholders, stakeholders and the entire society will benefit from this study.
1.5 Research Questions
i) How is risk managed in Union Bank Kaduna Main Branch?
ii) How is credit administered in Union Bank Plc Kaduna Main Branch?
iii) What are the constraints militating against risk management and credit administration in Union Bank Plc Kaduna Main Branch?
iv) What are the solutions to the identified problems?
1.6 Scope of the Study
The study shall cover an empirical examination of the assessment of risk management and credit administration in Union Bank Plc Kaduna. To this end, the study will examine how risk is managed in Union Bank as well as credit administration. The study shall cover a time from 2006 – 2011.
1.7 Definition of Terms
1. Credit Risk: This refers to delinquency and default by borrowers i.e. failure to make payment as at when due.
2. Pure Risk: This refers to reduction in business value as a result of damage to business property by theft, robbery, fire, flood or the prospect of premature death of employee due to work-related illness or accident.
3. Price Risk: This refers to variability in cash flows due to change in input and output prices.
4. Credit Administration: This is the system used in managing the exposure of financial institution to loan delinquency and default.
5. Business Risk: This refers to variability in cash flow.
6. Loan Appraisal: This is the process of determining in advance the various lending parameters and determining the overall loan limit for each borrower based on his debt capacity, loan duration.
You either get what you want or your money back. T&C Apply
![](https://codemint.net/assets/public/img/100-money-back-guarantee.png)
You can find more project topics easily, just search
-
SIMILAR BUSINESS ADMINISTRATION FINAL YEAR PROJECT RESEARCH TOPICS
-
1. THE IMPACT OF MILLENNIUM DEVELOPMENT GOALS (MDG’S) ON THE STANDARD OF LIVING OF RURAL DWELLERS IN LERE LOCAL GOVERNMENT AREA
» CHAPTER ONE INTRODUCTION 1.1 Background of the study In order to address the problem of poverty and promote sustainable development, the Unified Natio...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
2. LEADERSHIP AND MOTIVATION AS ESSENTIAL TOOLS FOR ORGANISATIONAL GROWTH AND EXPANSION ( A CASE STUDY OF UNION BANK PLC, ABA)
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The most important human activity is leadership questions and motivation, ever since people began...Continue Reading »Item Type & Format: Project Material - Ms Word | 69 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
3. THE IMPACT OF ORGANIZATIONAL REWARD SYSTEM ON WORKERS ATTITUDE AND MOTIVATION TO WORK
» ABSTRACT This project works looks at the “The impact of organizational reward system on workers attitude and motivation to work” Reward is...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
4. THE IMPACT OF VENTURE CAPITAL FINANCING ON SMALL AND MEDIUM ENTERPRISES IN THE TEMA METROPOLIS: THE CASE OF ELSA FOODS LIMITED
» ABSTRACT The study looked at the Impact of Venture Capital Financing on SMEs in the Tema Metropolis. Efforts by successive Government to improve on th...Continue Reading »Item Type & Format: Project Material - Ms Word | 79 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
5. THE APPLICATION OF MARKET CONCEPT IN BANKING INDUSTRY A CASE STUDY FOR AFRICA (UBA) PLC WARRI
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY The banking industry is under going a period of transformation and this requires new orientation ...Continue Reading »Item Type & Format: Project Material - Ms Word | 91 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
6. THE IMPORTANCE OF TRAINING AND DEVELOPMENT OF ORGANIZATIONAL PERFORMANCE IN AIRTEL MOBILE COMMUNICATION
» CHAPTER ONE GENERAL INTRODUCTION 1.0 INTRODUCTION This chapter contain the following, the background of the study, statement of the problem objective ...Continue Reading »Item Type & Format: Project Material - Ms Word | 58 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
7. EFFECT OF NON-MONETARY INCENTIVES ON EMPLOYEES PERFORMANCE
» ABSTRACT The study examines the effect of financial incentives on staff productivity in Niyya foods Kaduna. The research question that guided the stud...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
8. DETERMINANTS OF DECLINE IN SELECTED TEXTILE MANUFACTURING COMPANIES IN NORTHERN NIGERIA
» ABSTRACT The massive and frequent rate of textile industry closure in Nigeria is a disturbing phenomenon. The main objective of the study is to identi...Continue Reading »Item Type & Format: Project Material - Ms Word | 124 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
9. AN EVALUATION OF THE ROLE OF INDUSTRIAL UNION IN MANAGING EMPLOYEE GRIEVANCES IN THE ORGANISATION. A CASE STUDY OF ABIA STATE CIVIL SERVICE
» ABSTRACT The research profers an evaluation of the role of industrial union in managing Employee grievances in the organization. It elucidates on the ...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
10. THE IMPACT OF TRAINING AND DEVELOPMENT ON ORGANISATIONAL PERFORMANCE: A STUDY OF SOME SELECTED ORGANISATIONS IN THE SERVICE INDUSTRY:
» ABSTRACT This research investigated the impact of training and development on organizational performance mainly in the service industry. The investiga...Continue Reading »Item Type & Format: Project Material - Ms Word | 85 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT