Credit Management and Bank Performance of Listed Banks in Nigeria

Uwalomwa Uwuigbe, Uwuigbe, Olubukunola Ranti, Oyewo, Babajide


The study critically assessed the effects of credit management on banks’s performance in Nigeria.  In achieving the objectives identified in this study, the audited corporate annual financial statement of listed banks covering the period 2007-2011 were analyzed. More so, a sum total of ten (10) listed banks were selected and analyzed for the study using the purposive sampling method. However, in an assessing the research postulations, the study adopted the use of both descriptive statistics and econometric analysis using the panel linear regression methodology consisting of periodic and cross sectional data in the estimation of the regression equation. Findings from the study revealed that while ratio of non-performing loans and bad debt do have a significant negative effect on the performance of banks in Nigeria, on the other hand, the relationship between secured and unsecured loan ratio and bank’s performance was not significant. Hence, the study recommends that banks management should put in place or institute sound lending framework, adequate credit administration procedure and an effective and efficient machinery to monitor lending function with established rules.

Keywords: Credit Management, Non-performing loans and Bad debt, Bank performance

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