EVALUATING OF RISK MANAGEMENT IN FINACIAL INSTITUTION (A CASE STUDY OF UNION BANK OF NIGERIA PLC.)

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ABSTRACT

This research is all about evaluation of risk management in financial institution using union bank of Nigeria as a case of study.

Risk management is the identification, assessment, and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor, and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities. Risk management’s objective is to assure uncertainty does not deflect the endeavor from the business goals.

Risks can come from various sources: e.g., uncertainty in financial markets, threats from project failures, legal liabilities, credit risk, accidents, natural causes and disasters as well as deliberate attack from an adversary, or events of uncertain or unpredictable root-cause.

While A financial institution is an establishment that conducts financial transactions such as investments, loans and deposits. Almost everyone deals with financial institutions on a regular basis. Everything from depositing money to taking out loans and exchanging currencies must be done through financial institutions. Most financial institutions are regulated by the government

In today’s economy, running a financial institution is harder than ever. Leaders are faced with critical challenges in finding new and better ways to increase top-line revenues, maintain necessary capital ratios, improve margins, strengthen balance sheets and enhance efficiencies. Regulatory changes, compliance, economic volatility, and issues involving data security, distressed lending and troubled assets add even more concern. This research work can help financial institutions mitigate these risks and improve their competitive posture by providing risk management services designed for rapidly evolving business environments.

 

TABLE OF CONTENTS

Title page   .       .       .       .       .       .       .       .       i

Approval page    .       .       .       .       .       .       .       ii

Dedication .       .       .       .       .       .       .       .       iii

Acknowledgement       .       .       .       .       .       .       iv

Abstract     .       .       .       .       .       .       .       .       v

Table of contents         .       .       .       .       .       .       vi

CHAPTER ONE: INTRODUCTION

1.1        Background to the study       .       .       .       .       .       1

1.2        Statement of the problem     .       .       .       .       .       2

1.3        Objectives of the study .       .       .       .       .       .       2

1.4        Research hypothesis    .       .       .       .       .       .       3

1.5        Significance of the study       .       .       .       .       .       5

1.6        Scope of the study      .       .       .       .       .       .       5

1.7        Limitations and constraints    .       .       .       .       .       6

1.8        Definition of key terms .       .       .       .       .       .       6

CHAPTER TWO: LITERATURE REVIEW

2.1    The concept of risk management   .       .       .       .       9

2.2    Measure taken to overcome credit risk problem       .       .       10

2.3    Types of risk faced by banks .       .       .       .       .       13

2.4    Risk appraisal     .       .       .       .       .       .       .       15

2.5    Risk as a management techniques .       .       .       .       19

2.6    How bank manage risk .       .       .       .       .       .       19

2.7    The importance of risk management in profit Enhancement      .       .       .       .       .       .       .       23

2.8    Problems associated with risk vis-à-vis profit

Enhancement      .       .       .       .       .       .       .       24

2.9    Risk based supervision. .       .       .       .       .       .       25

CHAPTER THREE

RESEARCH METHODOLOGY

3.1    Design of the study      .       .       .       .       .       .       30

3.2    Area of the study .       .       .       .       .       .       .       30

3.3    Population of the study .       .       .       .       .       .       31

3.4    Sample of the study     .       .       .       .       .       .       31

3.5    Method of data collection      .       .       .       .       .       32

3.6    Administration and retrieval of instrument       .       .       34

3.7    Problems of methodology     .       .       .       .       .       34

3.8    Method of data analyze        .       .       .       .       .       36

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

4.1    Data presentation and analysis      .       .       .       .       37

4.2    Test of hypothesis       .       .       .       .       .       .       45

4.3    Discussion of findings   .       .       .       .       .       .       51

CHAPTER FIVE

SUMMARY, RECOMMENDATIONS AND CONCLUSION

5.1    Summary of the study .       .       .       .       .       .       52

5.2    Conclusion .       .       .       .       .       .       .       .       54

5.3    Recommendations       .       .       .       .       .       .       56

        Bibliography

        Appendix

 

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