RISK MANAGEMENT AND PROFITABILITY OF BANKS (A STUDY OF FIDELITY BANK,ASABA)
Abstract
Risk management issues in the banking sector do not only have greater impact on bank
performance but also on national economic growth and general business development
the banks motivation for risk management comes from those risk which can lead to
underperformance. This study focuses on the association of risk management practice
and bank financial performance in Nigeria. Secondary data source was based on a 4
years progressive annual reports and financial statement of 10 banks and a panel data
estimation techniques adopted. The result implies and inverse relationship between
financial performance of bank and doubt loans,and capital asset ratio was found to be
positive and significant. Similarly, it suggest the higher the managed find by banks the
higher the performance. The study concludes a significant relationship between banks
performance and risk management, hence the need for banks to practice prudent risk
management in order to protect the interests of investors.
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