AN EMPIRICAL ANALYSIS OF RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF BANKS IN NIGERIA (A CASE STUDY OF FIRST BANK AND 3 OTHER BANKS)

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ABSTRACT

Life itself is a risk likewise every other important activities of man inclusive of financial transactions and deliberations. This is as a result of the stake of parties involved in one way or the other in the immediate financial and business transactions.

It is in the light of the above assertion that this project research work is determined to empirically examine the potential usefulness of adopting a systematic methodology for the analysis and control of risks (risk management) within the financial sector of the country.

This study shall also empirically analyse the performance of financial institutions like banks in the Nigerian economy with direct reference to Firstbank and 3 other banks.

The resulting findings, insights and recommendations shall be extended to other financial institutions though the scope of the study was directly on the banking sector. Therefore the point is made that given the current wave of de-regulation in Nigeria economy especially in the banking sector and the rapid process of financial and marketing drifts resulting in financial institutions being forced to rely more on managerial competencies as well as other intra-organisational factors for survival and success. This work suggested that effective risk analysis and control strategies should be an integral aspect of any sensible corporate plan in the Nigerian banking institutions.

The structure of this research study is patterned into five distinct chapters as usual- Chapter1 through to chapter5. All the necessary and standard parts as well as sections needed were all included for clear analysis and presentation of the gathered data and information. Findings, recommendations, conclusions and appendices were the main sections of the last chapter.

TABLE OF CONTENTS

TITLE PAGE

CERTIFICATION

DEDICATION

ACKNOWLEDGEMENT

ABSTRACT

TABLE OF CONTENTS

CHAPTER ONE

INTRODUCTION

1.1BACKGROUND OF THE STUDY

1.2STATEMENT OF THE PROBLEM

1.3OBJECTIVE OF THE STUDY

1.4RESEARCH QUESTIONS

1.5RESEARCH HYPOTHESIS

1.6 SCOPE OF THE STUDY

1.7 LIMITATIONS OF THE STUDY

CHAPTER TWO

LITERATURE REVIEW

2.1DEFINITION AND GENERAL CONCEPT OF BANK RISK

2.2 REVIEW OF RISKS IN BANKING

2.2.1 CREDIT DEFAULT RISK

2.2.2 OPERATIONAL RISK

2.3 POST CONSOLIDATION EXPERIENCE

2.4 REPUTATIONAL RISK

2.5 HUMAN RESOURCES RISK

2.6 RISKS ASSOCIATED WITH MERGERS AND ACQUISITION (M&A)

2.7 RISK MANAGEMENT TECHNIQUES

2.8 HISTORICAL REVIEW OF THE SELECTED BANKS

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY

3.1RESEARCH DESIGN

3.2AREA OF STUDY

3.3POPULATION OF THE STUDY

3.4SAMPLE AND SAMPLING TECHNIQUES

3.4.1SAMPLE SIZE DETERMINATION

3.5INSTRUMENT OF DATA COLLECTION

3.6METHOD OF DATA COLLECTION

3.7METHOD OF DATA ANALYSIS

CHAPTER FOUR

4.1DATA PRESENTATION AND ANALYSIS

4.2TESTING OF HYPOTHESIS

4.3RECOMMENDED SOLUTIONS

CHAPTER FIVE

FINDINGS, RECOMMENDATION AND CONCLUSIONS

5.1FINDINGS

5.2RECOMMENDATIONS

5.3CONCLUSION

REFERENCES

QUESTIONNAIRES

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AN EMPIRICAL ANALYSIS OF RISK MANAGEMENT AND FINANCIAL PERFORMANCE OF BANKS IN NIGERIA (A CASE STUDY OF FIRST BANK AND 3 OTHER BANKS)

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