- 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: ₦4,000
Get the complete project »

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

You can find more project topics easily, just search
-
SIMILAR BUSINESS ADMINISTRATION FINAL YEAR PROJECT RESEARCH TOPICS
-
1. ICT COMPETENCIES REQUIRED BY OFFICE MANAGERS IN A FINANCIAL INSTITUTION
» ABSTRACT The major purpose of this study was to identify ICT competencies required by office managers in a financial institution. The population of th...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
2. IMPACT OF CREDIT MANAGEMENT ON THE OPERATION OF SMALL SCALE ENTERPRISES IN NIGERIA
» ABSTRACT The study delved into impact of credit management on the operation of selected small scale enterprises in Nigeria. The study examines whether...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
3. THE REVENUE OF TAXATION AND THE IMPACT ON THE ECONOMIC GROWTH AND DEVELOPMENT AS A STRATEGY DESIGNED FROM FEDERAL INLAND REVENUE SERVICES
» CHAPTER ONE 1.0 Background to the Study Taxation as a concept involves more than mere imposition of compulsory payment of sums of money by the governm...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
4. EFFECT OF ENTREPRENEURIAL COMPETENCIES ON THE PERFORMANCE OF SMALL AND MEDIUM SCALE ENTERPRISES IN KADUNA STATE
» Abstract The growth and development of small and medium enterprises have been a focus for policy makers and researchers in the developed and developin...Continue Reading »Item Type & Format: Project Material - Ms Word | 142 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
5. THE IMPACT OF ADVERTISING ON CUSTOEMR PATRONAGE IN UNION BANK OF NIGERIA PLC, KADUNA
» CHAPTER ONE INTRODUCTION 1.0 BACKGROUND OF THE STUDY Advertising is one of major ways in which sellers use in order to stimulate demand for goods and ...Continue Reading »Item Type & Format: Project Material - Ms Word | 67 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
6. ASSESSING SERVICE QUALITY IN COMMERCIAL BANKS A CASE STUDY OF MERCHANT BANK GHANA LIMITED
» CHAPTER ONE INTRODUCTION 1.0 Background to the Study This chapter introduces the phenomenon understudy. It consists of the background of the study, pr...Continue Reading »Item Type & Format: Project Material - Ms Word | 80 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
7. AN EVALUATION OF THE NATURE AND IMPACT OF PLANNING ON ORGANISATIONAL PERFORMANCE A CASE STUDY OF DANGOTE GROUP OF COMPANY
» ABSTRACT This study was centered on the nature and impact of planning on organizational performance. This study was guided by the following objectives...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
8. CORPORATE PERFORMANCE AND TOTAL QUALITY MANAGEMENT (A STUDY OF MILLENNIUM INDUSTRY LTD AWKA)
» ABSTRACT Total quality management, which is the practice of striving fore customer satisfaction by ensuring quality from all departments in an organiz...Continue Reading »Item Type & Format: Project Material - Ms Word | 93 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
9. THE EFFECT OF STOCK CONTROL PROFIT MAXIMISATION IN MANUFACTURING COMPANY
» ABSTRACT This project is centered on the importance of stock control and management in business organization to enable the research obtain relevant ma...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT
-
10. CAUSES AND EFFECTS OF COMMUNICATION BREAKDOWN IN AN ORGANIZATION
» CHAPTER ONE 1.1 Introduction The modern world is information oriented, thus management becomes more concerned about communication with employees. Henc...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages |
Instant Download | Chapter 1-5 | BUSINESS ADMINISTRATION DEPARTMENT