EVALUATION OF CREDIT MANAGEMENT AND FINANCIAL PERFORMANCE OF NIGERIA MONEY DEPOSIT BANKS (CASE STUDY OF FIRST BANK)
Abstract
The study examines evaluation on credit management and financial performance of Deposit Money Banks (DMB) is hinged on the ability of the management to effectively and efficiently manage the resources of these banks. Studies have shown that the financial performance is determined amongst others by credit management factors like non-performing loans, capital adequacy ratio, loan loss provisions and loan to deposit ratio. The study evaluated the effect of credit management on the financial performance of deposit money banks in Nigeria. The study adopted ex-post facto research design. The study examines the evaluation of credit management and financial performance of Nigeria deposit money bank in for 2018 to 2023.. The validity and reliability were based on the statutory audit of their financial statement approved for use by CBN. Ex-post facto research design is adjudged most appropriate research design because the study.
Keywords: Capital adequacy ratio, Credit management, Financial performance, Loan loss provision, Loan-to-deposit ratio, Non-performing loans.
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