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The Effects Of Financial Risks On Financial Performance Of Commercial Banks In Nigeria
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Book Synopsis The Effects of Financial Risks on Financial Performance of Commercial Banks in Nigeria by : Olalere Oluwaseyi Ebenezer
Download or read book The Effects of Financial Risks on Financial Performance of Commercial Banks in Nigeria written by Olalere Oluwaseyi Ebenezer and published by . This book was released on 2017 with total page 167 pages. Available in PDF, EPUB and Kindle. Book excerpt: Given limited resources and time, the research scope is to study the effect of financial risk on financial performance of commercial banks in Nigeria. In achieving these objectives, the study collects a 7-years’ time-series data from corporate annual report and financial statements for the period 2009-2015. The choice of the years is the data availability for most of the banks during this period. Meanwhile, few banks have liquidated while some were established during this period. The selected commercial banks are listed financial institutions in the Nigerian Stock Exchange (NSE). Using this report, the study selects a total of sixteen Nigerian commercial banks. The choice of the banking sector is based on the pivotal role of the banking industry in triggering a financial crisis. The data used for this study are limited to annual reports, which are readily available at the Central Bank of Nigeria Statistical Database online and applies to commercial banks in Nigeria. However, the study focused on the financial risk faced by commercial banks in Nigeria, and their financial performance was aimed at addressing the challenge of ever emerging risks within the sector. It was an attempt to critically examine the various practices through which commercial banks manage various types of risks that they face, and then determine the relationship that exists between financial risk and the financial performance of banks. This study, therefore, sought to fill the gap in knowledge on the effects of financial risks on financial performance of commercial banks in Nigeria.
Book Synopsis The Bank Credit Analysis Handbook by : Jonathan Golin
Download or read book The Bank Credit Analysis Handbook written by Jonathan Golin and published by John Wiley & Sons. This book was released on 2013-06-18 with total page 949 pages. Available in PDF, EPUB and Kindle. Book excerpt: A hands-on guide to the theory and practice of bank credit analysis and ratings In this revised edition, Jonathan Golin and Philippe Delhaise expand on the role of bank credit analysts and the methodology of their practice. Offering investors and practitioners an insider's perspective on how rating agencies assign all-important credit ratings to banks, the book is updated to reflect today's environment of increased oversight and demands for greater transparency. It includes international case studies of bank credit analysis, suggestions and insights for understanding and complying with the Basel Accords, techniques for reviewing asset quality on both quantitative and qualitative bases, explores the restructuring of distressed banks, and much more. Features charts, graphs, and spreadsheet illustrations to further explain topics discussed in the text Includes international case studies from North America, Asia, and Europe that offer readers a global perspective Offers coverage of the Basel Accords on Capital Adequacy and Liquidity and shares the authors' view that a bank could be compliant under those and other regulations without being creditworthy A uniquely practical guide to bank credit analysis as it is currently practiced around the world, The Bank Credit Analysis Handbook, Second Edition is a must-have resource for equity analysts, credit analysts, and bankers, as well as wealth managers and investors.
Book Synopsis Financial Risks, Business Risk And Firm Value: The Moderating Role Of Financial Innovation by : Olalere Oluwaseyi Ebenezer
Download or read book Financial Risks, Business Risk And Firm Value: The Moderating Role Of Financial Innovation written by Olalere Oluwaseyi Ebenezer and published by . This book was released on 2019 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is crucial in every study to state the scope, limits or boundaries (geographical, industry and time) in which the study needs to be examined. The scope of the research is to study the moderating effect of financial innovation on the relationship between financial risks, business risk and firm value of commercial banks in Nigeria. The major limits is that the data availability encompasses information on banks operating in emerging market such as Nigeria, during this period (2009 – 2017). The selected commercial banks are listed financial institutions in the Nigerian Stock Exchange (NSE), and the study selects a total of sixteen Nigerian commercial banks excluding mortgage, merchant and Islamic banks. The choice of the banking sector is based on the pivotal role of the banking industry in fostering economy growth and stability, triggering a financial crisis and also due to the fact that they have some financial characteristics that are higher than that of other sectors such as leverage, and other risk profiles are a lot different in comparison to other sectors (Narayanan & Surya, 2014).In achieving these objectives, this study collects a 9-years’ time-series data from corporate annual report and financial statements for the period 2009-2017. This period is selected in order to examine the stability and viability of the financial sector in the aftermath of the crisis, recognising the role play by banks in the 2007/2008 financial crisis. The data used for this study are limited to annual reports, which are readily available at the Central Bank of Nigeria Statistical Database and applies to commercial banks in Nigeria and it’s aimed at addressing the challenge of ever emerging risks within the sector. The measurement of firm value in this study would not be focusing on mere firm value. Since there are various ways of measuring firm value, this study employ the enterprise value deem to be comprehensive, extensive and representing the total market value of the firm, hence it fully denote the long-term measure of firm performance.
Book Synopsis The Effect of Credit Risk on the Performance of Commercial Banks in Nigeria by : Olawale Luqman
Download or read book The Effect of Credit Risk on the Performance of Commercial Banks in Nigeria written by Olawale Luqman and published by . This book was released on 2014 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: This research work studied the effect of credit risk on commercial banks performance in Nigeria. The study is motivated by the damaging effect of classified assets on bank capitalization and would be of utmost relevance as it addresses how credit risk affects banks' profitability using a robust sample and the findings would serve as the basis to provide policy measures to the various stakeholders on how to tackle the credit risk in order to enhance the quality of banks' assets and reduce bank risk. Secondary data source was explored in presenting the facts of the situation. The secondary data are obtained from annual reports, relevant literatures and CBN's statistical Bulletin publication. The result shows that the ratio of loan and advances to total deposit negatively relate to profitability though not significant at 5% and that the ratio Non-performing loan to loan & Advances negatively relate to profitability at 5% level of significant. This study shows that there is a significant relationship between bank performance (in terms of profitability) and credit risk management (in terms of loan performance). Loans and advances and non-performing loans are major variables in determining asset quality of a bank. Some of the recommendations made in this study are; management need to be cautious in setting up a credit policy that will not negatively affects profitability and also they need to know how credit policy affects the operation of their banks to ensure judicious utilization of deposits and maximization of profit. Improper credit risk management reduce the bank profitability, affects the quality of its assets and increase loan losses and non-performing loan which may eventually lead to financial distress. CBN for policy purposes should regularly assess the lending attitudes of financial institutions. One direct way is to assess the degree of credit crunch by isolating the impact of supply side of loan from the demand side taking into account the opinion of the firms about banks' lending attitude. Finally, strengthening the securities market will have a positive impact on the overall development of the banking sector by increasing competitiveness in the financial sector.
Book Synopsis Bank Performance and Supervision in Nigeria by : Olatunji Olugbenga Sobodu
Download or read book Bank Performance and Supervision in Nigeria written by Olatunji Olugbenga Sobodu and published by . This book was released on 1998 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial Accounts Management by : Winnie Wambui Mwangi
Download or read book Financial Accounts Management written by Winnie Wambui Mwangi and published by IPR Journals and Book Publishers. This book was released on 2023-07-27 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: TOPICS IN THE BOOK Assessment of Internal Control Practices on Financial Performance of State Corporations in Kenya Financial Risk and Financial Performance of Commercial Banks Listed in the Nairobi Securities Exchange in Kenya Relationship between Public Debt and Financial Development in Kenya The Impact of Covid-19 on Internally Generated Revenue of South-West Nigeria Effect of Risk Avoidance on Performance of Devolved Governments in Kenya
Book Synopsis Dynamics of Financial Performance by : Mr. Rabson Magweva, Faith Njeri Harrison, Dr. Agnes Ogada, Philipino Muthine, Abdi Huka Halake
Download or read book Dynamics of Financial Performance written by Mr. Rabson Magweva, Faith Njeri Harrison, Dr. Agnes Ogada, Philipino Muthine, Abdi Huka Halake and published by Cari Journals USA LLC. This book was released on 2022-09-14 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: TOPICS IN THE BOOK Futures Trading and the Underlying Stock Volatility: A Case of the FTSE/JSE TOP 40 Effects of Selected Financial Management Practices on Financial Performance of Commercial Banks in Kenya Duplicity in Regulation and Performance of the Financial Sector in Kenya The Relationship between Options Derivatives and Financial Performance of Selected Listed Commercial Banks in Kenya Influence of Islamic Auto Financing Instruments on Financial Performance of Commercial Banks in Isiolo County Kenya
Author :Mrs. Gloria Mpayana Atete, Anne Lyse Mukabideri, John Kiarie, Adolphus J. Toby Publisher :AJPO Journals USA LLC ISBN 13 :9914745210 Total Pages :130 pages Book Rating :4.9/5 (147 download)
Book Synopsis Contribution of Business Combinations by : Mrs. Gloria Mpayana Atete, Anne Lyse Mukabideri, John Kiarie, Adolphus J. Toby
Download or read book Contribution of Business Combinations written by Mrs. Gloria Mpayana Atete, Anne Lyse Mukabideri, John Kiarie, Adolphus J. Toby and published by AJPO Journals USA LLC. This book was released on 2023-06-30 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: TOPICS IN THE BOOK Investment Risk Management and Financial Performance of Rwanda Social Security Board (RSSB) The Contribution of the Horizontal Business Combination on the Financial Performance of I&M Bank Influence of Point-Based Program on Financial Performance of Selected Firms in the Service Industry in Kenya Effect of Non-Monetary Programs on Financial Performance of Selected Firms in the Service Industry in Kenya Volatility Modelling of Stock Returns in the Petroleum Marketing Sector of the Nigerian Stock Exchange
Book Synopsis Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by : El Bachir Boukherouaa
Download or read book Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance written by El Bachir Boukherouaa and published by International Monetary Fund. This book was released on 2021-10-22 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.
Author :Martin Guantai Kanake, Dr. John Kuria, Caroline M. Kimathi, Margaret Kibera Publisher :AJPO Journals USA LLC ISBN 13 :9914745369 Total Pages :116 pages Book Rating :4.9/5 (147 download)
Book Synopsis General Contribution of Finance in Firm by : Martin Guantai Kanake, Dr. John Kuria, Caroline M. Kimathi, Margaret Kibera
Download or read book General Contribution of Finance in Firm written by Martin Guantai Kanake, Dr. John Kuria, Caroline M. Kimathi, Margaret Kibera and published by AJPO Journals USA LLC. This book was released on 2023-03-09 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: TOPICS IN THE BOOK The Impact Assessment of the Micro Finance to Financial Inclusion and Business Growth: A Study of the Micro, Small and Medium Enterprises in Igembe South (Kenya) Effect of Vat Incentives on the Performance of EPZ Firms in Kenya Financial Distress and Profitability of Tier Three Commercial Banks in Kenya Effect of Financial Risk Management on Financial Performance of Firms Listed in the Nairobi Securities Exchange
Book Synopsis Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited by : Anthony Abaidoo
Download or read book Determinant of Loan Default and Its Effect on Financial Performance of Commercial Banks in Ghana. A Case Study of Fidelity Bank Limited written by Anthony Abaidoo and published by GRIN Verlag. This book was released on 2017-11-27 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2015 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The main purpose of this study was to examine the determinants of loan default and its effects on financial performance of commercial banks in Ghana by using Fidelity Bank Limited as a case study. The study employed quantitative and qualitative research techniques as the research design. In achieving the research objectives primary and secondary data was used. The primary data was collected through a well structured questionnaire. Simple random technique was used to select 120 loan clients and a purposive sampling was used to select a credit staff. The data was collected from four branches of Fidelity Bank in the Brong Ahafo Region of Ghana. It was realized that the delays in loan approval, poor management, poor credit appraisal and diversion of loans are the main determinants of loan default in Fidelity bank. The study also found that SME clients (49.5%) defaults more than agric, personal and salary loan clients. The major cause of loan default according to the findings of this study was decrease in demand of goods and service (16.1%) sold by the loan clients. Again, it was realized that loan default has a negative impact on profitability. It is recommended that the following measures should be implemented to reduce the rate of loan default; good credit structuring, consistent monitoring, sound credit risk policies and standards, quality analysis, well trained staff, good corporate governance system, independent credit assessment, rescheduling and provision of additional funds.
Author :Organization for Economic Cooperation and Development Publisher :OCDE ISBN 13 :9789264208629 Total Pages :0 pages Book Rating :4.2/5 (86 download)
Book Synopsis Risk Management and Corporate Governance by : Organization for Economic Cooperation and Development
Download or read book Risk Management and Corporate Governance written by Organization for Economic Cooperation and Development and published by OCDE. This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This sixth peer review of the OECD Principles of Corporate Governance analyses the corporate governance framework and practices relating to corporate risk management, in the private sector and in state-owned enterprises. The review covers 26 jurisdictions and is based on a general survey of all participating jurisdictions in December 2012, as well as an in-depth review of corporate risk management in Norway, Singapore and Switzerland. The report finds that while risk-taking is a fundamental driving force in business and entrepreneurship, the cost of risk management failures is often underestimated, both externally and internally, including the cost in terms of management time needed to rectify the situation. The reports thus concludes that corporate governance should ensure that risks are understood, managed, and, when appropriate, communicated.
Book Synopsis Credit Risk Management by : Hong Kong Institute of Bankers (HKIB)
Download or read book Credit Risk Management written by Hong Kong Institute of Bankers (HKIB) and published by John Wiley & Sons. This book was released on 2012-09-04 with total page 470 pages. Available in PDF, EPUB and Kindle. Book excerpt: The importance of managing credit and credit risks carefully and appropriately cannot be overestimated. The very success or failure of a bank and the banking industry in general may well depend on how credit risk is handled. Banking professionals must be fully versed in the risks associated with credit operations and how to manage those risks. This up-to-date volume is an invaluable reference and study tool that delves deep into issues associated with credit risk management. Credit Risk Management from the Hong Kong Institute of Bankers (HKIB)discusses the various ways through which banks manage risks. Essential for candidates studying for the HKIB Associateship Examination, it can also help those who want to acquire a deeper understanding of how and why banks make decisions and set up processes that lower their risk. Topics covered in this book include: Active credit portfolio management Risk management, pricing, and capital adequacy Capital requirements for banks Approaches to credit risk management Structural models and probability of default Techniques to determine loss given default Derivatives and structured products
Book Synopsis Bank Size and Systemic Risk by : Mr.Luc Laeven
Download or read book Bank Size and Systemic Risk written by Mr.Luc Laeven and published by International Monetary Fund. This book was released on 2014-05-08 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: The proposed SDN documents the evolution of bank size and activities over the past 20 years. It discusses whether this evolution can be explained by economies of scale or “too big to fail” subsidies. The paper then presents evidence on the extent to which bank size and market-based activities contribute to systemic risk. The paper concludes with policy messages in the area of capital regulation and activity restrictions to reduce the systemic risk posed by large banks. The analysis of the paper complements earlier Fund work, including SDN 13/04 and the recent GFSR chapter on “too big to fail” subsidies, and its policy message is in line with this earlier work.
Book Synopsis Determinants of Commercial Bank Interest Margins and Profitability by : Asl? Demirgüç-Kunt
Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.
Book Synopsis Impact of Credit Management on Bank Performance in Nigeria by : Collins Alobari
Download or read book Impact of Credit Management on Bank Performance in Nigeria written by Collins Alobari and published by . This book was released on 2018 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt: As with any financial institution, the biggest risk in bank is lending money and not getting it back. This study examined the impact of credit management and bank performance in Nigeria. The study adopted cross sectional survey design. The population of the study consisted of all management staffs of commercial banks operating in Nigeria. The sample sizes of eleven (11) select commercial banks were considered by systematic technique. The Purposive sampling technique was adopted; hence six respondents were administered questionnaire (Bank Manager and five senior staff) from each bank to make up a 66 respondents for the study. Multiple regression analysis was adopted for the study to determine the influence/impacts of credit management variables (Credit Appraisal, Credit Risk Control, and Collection policy) on bank performance. The study revealed that credit management has a significant impact on bank performance in Nigeria. The study also revealed that among the credit management variables considered, credit risk control has the highest driving force for bring about an effect financial performance of bank in Nigeria. It was recommended that financial institution should not only take credit management serious, but should recognised the role of credit risk section if they aim at increasing profitability.
Book Synopsis Performance of Financial Institutions by : Patrick T. Harker
Download or read book Performance of Financial Institutions written by Patrick T. Harker and published by Cambridge University Press. This book was released on 2000-05-18 with total page 516 pages. Available in PDF, EPUB and Kindle. Book excerpt: The efficient operation of financial intermediaries--banks, insurance and pension fund firms, government agencies and so on--is instrumental for the efficient functioning of the financial system and the fueling of the economies of the twenty-first century. But what drives the performance of these institutions in today's global environment? In this volume, world-renowned scholars bring their expertise to bear on the issues. Primary among them are the definition and measurement of efficiency of a financial institution, benchmarks of efficiency, identification of the drivers of performance and measurement of their effects on efficiency, the impact of financial innovation and information technologies on performance, the effects of process design, human resource management policies, as well as others.
