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AN ASSESSMENT OF RISK MANAGEMENT AND CREDIT ADMINISTRATION IN UNION BANK NIGERIA PLC, KADUNA

 

 

ABSTRACT

The study examines risk management and Credit Administration in Union Bank Plc, Kaduna. The research questions that guided this study were: How is risk managed in Union Bank? What are the constraints militating against risk management and credit administration? What are the solutions to the identified problems. The survey method was used as the sample size. A questionnaire designed in five likert scale was used as the instrument of data collection. The mean (x) was used to analyze data. The result of findings indicates that risk is mainly managed in Union Bank through embarking on insurance of customers deposit as well proper evaluation and monitoring of loan proposal.

 

 

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).