Charone, Djoufack Tsafack Veroviane <br/><br/>
THE IMPACT OF CREDIT RISK MANAGEMENT ON THE FINANCIAL PERFORMANCE OF FINANCIAL INSTITUTIONS IN NIGERIA / 
DJOUFACK TSAFACK VEROVIANE CHARONE; SUPERVISOR: ASST. PROF. DR. MURAD ABDURAHMAN BEIN 
 - 59 sheets;  31 cm.  Includes CD 
<br/><br/>Thesis (MSc) - Cyprus International University. Institute of Graduate Studies and Research Accounting and Finance Department 
<br/><br/>Includes bibliography (sheets 44-48) 
<br/><br/> ABSTRACT<br/>The banking industry has grown significantly in the Nigerian economy, and it now has <br/>a significant effect on the provision of credit. Credit risks, or the danger of accruing <br/>losses as a consequence of debtors' failure to repay loans or other types of credit, are <br/>most commonly faced in the financial industry, notably by organizations such as <br/>banks. Lending is the lifeblood of the banking sector, and loans and advances are the <br/>most valuable assets since they account for the majority of operational revenue. Loans, <br/>on the other hand, put banks in the highest danger.<br/>The purpose of the study was to find out the impact of credit risk management on the <br/>financial performance of financial institutions listed on the Nigerian stock market. A <br/>purpose sampling method was used to select eleven (11) financial institutions listed in <br/>the Nigerian stock market from the period of 2006 to 2021. The Stata software was <br/>used to analyses the panel data collected into pooled, fixed, and random effects.<br/>The study revealed that the non-performing loan ratio, deposits to asset ratio, loan to <br/>deposit ratio, capital adequacy ratio, and deposit growth have a positive effect on ROA. <br/>The study found that non-performing loans, deposits to asset ratio, loan to deposit ratio, <br/>and capital adequacy ratio all have a positive effect on ROE. It was found that loan to-asset, the age, and the size of the financial institutions have a negative effect on <br/>ROA. It was found that the age of the financial institution had a statistically significant <br/>effect on the return on equity (ROE).<br/>Banks' use of in-dept23h credit evaluation during the lending process helps shape a <br/>strategy that does more than just lower credit risk; it also boosts performance and <br/>competitiveness. There is a positive effect of nonperforming loans on the economy as <br/>a whole, not only on bank earnings. So, Nigeria's governing bodies need to come up <br/>with ways to improve credit risk management and slow the growth of loans that aren't <br/>being paid back in the banking sector.<br/>Keywords: Credit risk management, Deposit to asset ratio, financial performance, <br/>financial institutions, Nigeria <br/> 
<br/><br/><label>Subjects--Topical Terms: </label><br/>Risk management--Nigeria--Dissertations, Academic<br/>Financial institutions--Nigeria--Dissertations, Academic