ABSTRACT
The study examined the Effect of Risk Assets Management on the Performance of Commercial Banks in Nigeria, having Access Bank Plc as the study area. However, the specific objectives pursued were; to ascertain the impact of risk asset management on return on assets, to ascertain the impact of risk asset management on return on equity. The study adopted ex-post facto research design. Data generated from the annual reports and accounts of Access Bank from 2009 – 2018 were analysed using simple regression analysis. The statistical package for social science (SPSS) version 23 was used to execute the analysis. The result of the analysis provided the findings that; loan loss provision a proxy of risk asset management has a significant positive effect on return on asset and return on equity of commercial banks in Nigeria. Based on the findings made above, the study recommends that banks should always make provision for loan losses and bad debts from their interest income, this will help to reduce cases of bank distress in event of loan losses or non-performing loans and cushion the effect of bad debts on the banks; good lending policy should as much as possible be adhered to for the safety of the fund; bank should not grant facilities and forget all about the customer until the repayment date is due recommended that all deposit money banks put in place effective internal control measures capable of frustrating staff manipulation of banks’ credit policies for selfish ends.
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OKEKE, K (2021). Effect Of Risk Assets Management On The Performance Of Commercial Banks In Nigeria (A Study Of Access Bank Plc). Mouau.afribary.org: Retrieved Nov 01, 2024, from https://repository.mouau.edu.ng/work/view/effect-of-risk-assets-management-on-the-performance-of-commercial-banks-in-nigeria-a-study-of-access-bank-plc-7-2
KINGSLEY, OKEKE. "Effect Of Risk Assets Management On The Performance Of Commercial Banks In Nigeria (A Study Of Access Bank Plc)" Mouau.afribary.org. Mouau.afribary.org, 19 Aug. 2021, https://repository.mouau.edu.ng/work/view/effect-of-risk-assets-management-on-the-performance-of-commercial-banks-in-nigeria-a-study-of-access-bank-plc-7-2. Accessed 01 Nov. 2024.
KINGSLEY, OKEKE. "Effect Of Risk Assets Management On The Performance Of Commercial Banks In Nigeria (A Study Of Access Bank Plc)". Mouau.afribary.org, Mouau.afribary.org, 19 Aug. 2021. Web. 01 Nov. 2024. < https://repository.mouau.edu.ng/work/view/effect-of-risk-assets-management-on-the-performance-of-commercial-banks-in-nigeria-a-study-of-access-bank-plc-7-2 >.
KINGSLEY, OKEKE. "Effect Of Risk Assets Management On The Performance Of Commercial Banks In Nigeria (A Study Of Access Bank Plc)" Mouau.afribary.org (2021). Accessed 01 Nov. 2024. https://repository.mouau.edu.ng/work/view/effect-of-risk-assets-management-on-the-performance-of-commercial-banks-in-nigeria-a-study-of-access-bank-plc-7-2