Corporate Image Management and Bank Performance in Nigeria

Ologbenla, Patrick

doi:10.47191/jefms/v4-i5-23

Cited by 7 publications

(11 citation statements)

References 7 publications

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“…Collins et al [6] examined the relationship between credit management and bank performance in Nigeria. Eleven financial firms supply 66 study participants.…”

Section: Kariu and Mungaimentioning

confidence: 99%

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Credit Management Practices and Loan Default in Deposit Money Banks (DMBs) in Osun State, Nigeria

Adegbola

Ajayi-Owoeye²,

Alalade³

2023

SAJSSE

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Background: Loan default has been shown in existing literature to have a negative impact on banks as it reduces the performance of banks and may lead to total collapse of these institutions. The high rate of default associated with loans in Nigerian banks is indicative of existing poor credit management practices by the banks. Aim: As such, this study examined the effect of credit management practices on loan default in deposit money banks in Osun State. Methods: The study employed the survey research design, using a well-structured questionnaire to collect responses of one hundred and twenty (120) officers and managers from two hundred and fifty two (252) officers and managers of sixty (60) bank branches in Osun State. Using descriptive and multiple linear regressions, the collated data was presented using tables, while the research hypothesis was tested at the 5% level of significance. Findings: The study found that credit management has no significant effect on loan default, with both credit appraisal and credit monitoring exhibiting negative but non-significant effects on loan default, and credit collection policy exhibiting positive and significant effect on loan. Conclusion: The study concluded that credit management practices have no significant effect on loan default. In other words, loan default experienced in the banks were not influenced by the loan management practices put in place. While the processes were in existence in the banks under investigation, they have not been able to affect the incidences of loan default.

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“…Collins et al [6] examined the relationship between credit management and bank performance in Nigeria. Eleven financial firms supply 66 study participants.…”

Section: Kariu and Mungaimentioning

confidence: 99%

“…As a result, banks should prioritize their credit management processes. Collins et al [6] stated that credit management commences with loan approval and concludes with the collection of the borrower's last payment.…”

Section: Introductionmentioning

confidence: 99%

Credit Management Practices and Loan Default in Deposit Money Banks (DMBs) in Osun State, Nigeria

Adegbola

Ajayi-Owoeye²,

Alalade³

2023

SAJSSE

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“…In the USA, factors including liquidity, company size, debt, asset turnover, GDP, and WTI are favorable, whereas CPI and interest rates have a substantial adverse effect. While debt, asset turnover, and interest rates have a substantial adverse influence in the U.K., company size, liquidity, GDP, CPI, and WTI have positively significant effects; U.S. insurance is effective in contrast to U.K. To boost the financial performance of insurance firms in the U.K., he claimed that insurance companies should raise firm liquidity and reduce the leverage ratio (Ologbenla & Patrick, 2018). Between 2003 and 2012, the study examined the impact of liquidity management on the financial performance of insurance companies in Nigeria.…”

Section: Literature Reviewmentioning

confidence: 99%

What determines the financial performance micro or macro antecedents: A case of Indian general insurance

Sasidharan¹,

Ranjith

Prabhuram³

2022

J Corp Accounting Finance

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The insurance industry is vital to any economy, particularly a country's financial market. The attempt to investigate the economic performance of the insurance firms is due to a lack of empirical research in the general insurance sector in India on the economic performance of insurance organizations concentrating on firm-specific and external aspects. Therefore, the Insurance companies in India were studied using econometric panel data of 21 firms for ten years, from 2010-2011 to 2019-2020. Firm-specific factors (firm size, financial leverage, retention ratio, liquidity, premium growth rate, loss ratio, re-insurance dependence, and macroeconomic factors (market share, GDP per capita, and inflation) are included in the model. Findings revealed that retention ratio, premium growth, and market share significantly positively affect the ROA while, on the other hand, loss ratio, liquidity, and inflation significantly negatively affect the profitability (ROA). Other factors, including size, re-insurance dependence, leverage ratio, and GDP per capita, have no significant impact on insurance firms' profitability (ROA). Furthermore, the variables that significantly affect the performance in terms of ROE are financial leverage and market share, holding a positive impact.And firm size shows an inverse relationship with ROE.

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“…Credit risk is a well-known concern for banks and other financial institutions as it is related to the potential of borrowers to default on their loans. This can lead to a loss for the lender and cause an adverse impact on the institution’s profitability (Alobari et al , 2018; Hosna et al , 2009). As there is a negative correlation between loans to deposits ratio and cash flows.…”

Section: Introductionmentioning

confidence: 99%

Using the Tobin Q model to evaluate the impact of credit risks on the bank’s market value during the corona pandemic

Mkalaf

Hilo

2023

JIABR

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Purpose This paper aims to assess the impact of credit risk on the market values of private banks during the corona pandemic. Design/methodology/approach This study is identifying critical issues of credit risk at six great private banks. A conceptual framework is designed based on the Tobin Q model for investigating study hypotheses. Quantitative financial analysis methods have been used for processing data, such as financial ratios, arithmetic mean and multiple linear regression. Findings The most important result of this study is the lack of influence of credit risk on the market value of selected banks. Because the dimensions of credit risk have critical importance in increasing or decreasing the market value, these banks must continue to adopt quantitative financial analysis to measure credit risks to avoid their risk. Originality/value This study elaborates the need for financial indicators to help assess the market value of banks during the economic crises caused by the closure of commercial institutions during the corona pandemic. There is continued increase in bank credit to support these institutions, borrowers and cash withdrawals, which may affect their market reputation.

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Corporate Image Management and Bank Performance in Nigeria

Cited by 7 publications

References 7 publications

Credit Management Practices and Loan Default in Deposit Money Banks (DMBs) in Osun State, Nigeria

Credit Management Practices and Loan Default in Deposit Money Banks (DMBs) in Osun State, Nigeria

What determines the financial performance micro or macro antecedents: A case of Indian general insurance

Using the Tobin Q model to evaluate the impact of credit risks on the bank’s market value during the corona pandemic

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