EFFECT OF RISK MANAGEMENT PRACTICE ON COMMERCIAL BANKS A CASE STUDY OF FIRST BANK PLC

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2020-01-22

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Department of Business Administration, Nasarawa State University, Keffi.

Abstract

This research work examines risk management in banking industry with particular reference to First Bank of Nigeria PLC. The researcher’s uses the primary and secondary data in order to arrive at relevant information. In this research work the researcher set up four hypotheses in order to test the problem under study. The study recommends that Commercial banks in Nigeria should adopt best practices in managing the risk associated with information system, Banks in Nigeria should have better lending skills and able to engage in arms-lending and resist government pressures, and potentially impose fewer demands on government for bailouts than the intermediaries they replaced, The banking reform should rely mostly on interest rate operating procedures for macroeconomic management with the sole objective of moving towards the ‘law of one market’ in both the domestic and international money markets.

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Demirguc-Kunt, A. and Huzinga, H. (1999). Determinants of Commercial Bank Interest Margins and Profitability: Some International Evidence, The World Bank Economic Review, 13(2), 379 – 40. Drehman, M. Sorensen, S. & Stringa, M. (2008). The Integrated Impact of Credit and Interest Rate Risk on Banks: An Economic Value and Capital Adequate Perspective.” Bank of England Working Paper No. 339 Epure, M. and Lafuente, I. (2012) Monitoring Bank Performance in the Presence of Risk, Barcelona GSE Working Paper Series No. 61. Fallon, W. (2001), “Calculating Valua-at-Risk, Working Paper 96-49, Wharton Financial Institutions Centre, The Wharton School, University of Pennsylvania, 2001. Felix, A.T and Claudine, T.N (2008). Bank Performance and Credit Risk Management, Unpublished Masters Dissertation in Finance, University of Skovde. Fitch Rating, A Subsidiary of Fitch Group, London and New York (accessed from www.fitchratings.com). Froot, K., D. Schaarfstein, and J. Stein, (2003) “Risk Management Coordinating Investment and Financial Policies, “Journal of Finance, December, 2003.

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https://keffi.nsuk.edu.ng/handle/20.500.14448/1436

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