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Critical Analysis Of The Relationship Between
Credit Management And Bank Distress
ABSTRACT
Over the years, the deterioration of the
quality of loans and advances in the banking sector has led to distress in the
sector. The sector is at cross roads of a democratizing policy and a recovering
economy. As in most resource management challenges, bank management and most
especially the specialized field of risk management face significant
incremental management opportunities. Due to the fact that banks are
proliferating, professional manpower resources are stretching them.
Clearly, a clear headed definition of
corporate risk priorities embossed upon an appropriate credit culture rather
than the short term opportunistic allure for “poisonous Profit” is the way to
go.
The government through its principal agent,
the Central Bank of Nigeria controlled the quality of risk assets through the
use of guidelines. The prudential guidelines which came into being in 1990 is
one of such. Prior to this, credit quality classification and subsequent loan
loss recognition were done haphazardly in banks. Even though prior to 1989 the
CBN was solely responsible for bank general supervision, reports of loan loss
classification were never for public consumption neither were banks given
uniform guidelines to ensure safe and sound banking practice. This has however
changed since 1989.The study seeks to take a critical analysis of the
relationship between credit management and bank distress.
The study carried out a survey of 40
respondents of the bank. Research findings revealed that there exists a casual
relationship between credit management and bank distress (See table
4.1(b).Although it was established that portfolio deterioration is pervasive in
the Nigerian financial system and the need for continuous loan supervision and
periodic portfolio reviews the study revealed that there is efficient credit
management in Zenith Bank which has led to low risk exposure and insignificant
debt portfolio or overhang.
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