This study aims to identify risk management strategies undertaken by the commercial banks of Balochistan,Pakistan,to mitigate or eliminate credit risk.The findings of the study are significant as commercial banks will...This study aims to identify risk management strategies undertaken by the commercial banks of Balochistan,Pakistan,to mitigate or eliminate credit risk.The findings of the study are significant as commercial banks will understand the effectiveness of various risk management strategies and may apply them for minimizing credit risk.This explanatory study analyses the opinions of the employees of selected commercial banks about which strategies are useful for mitigating credit risk.Quantitative data was collected from 250 employees of commercial banks to perform multiple regression analyses,which were used for the analysis.The results identified four areas of impact on credit risk management(CRM):corporate governance exerts the greatest impact,followed by diversification,which plays a significant role,hedging and,finally,the bank’s Capital Adequacy Ratio.This study highlights these four risk management strategies,which are critical for commercial banks to resolve their credit risk.展开更多
In this study, we developed multivariate model for the study of the impact of treasury single account (TSA) on the performance of banks in Nigeria. From the study, we discovered that there was no significant differenc...In this study, we developed multivariate model for the study of the impact of treasury single account (TSA) on the performance of banks in Nigeria. From the study, we discovered that there was no significant difference between the period before and after the introduction of the TSA policy on the performance of banks in Nigeria. In Diamond Bank Nigeria Plc, we observed that there were negative relationships between liquidity ratio and capital adequacy with correlation coefficient of -0.093;liquidity ratio and credit to customers with correlation coefficient of -0.312;capital adequacy and credit to customers with correlation coefficient of -0.176. On the other hand, from the analysis on first bank, we observed that there were both positive and fairly strong relationships between the liquidity ratio and capital adequacy with correlation coefficient of 0.626;negative relationship between liquidity ratio and credit to customers with correlation coefficient of -0.880 and finally, negative relationship between capital adequacy and credit to customers with correlation coefficient of -0.165.展开更多
文摘This study aims to identify risk management strategies undertaken by the commercial banks of Balochistan,Pakistan,to mitigate or eliminate credit risk.The findings of the study are significant as commercial banks will understand the effectiveness of various risk management strategies and may apply them for minimizing credit risk.This explanatory study analyses the opinions of the employees of selected commercial banks about which strategies are useful for mitigating credit risk.Quantitative data was collected from 250 employees of commercial banks to perform multiple regression analyses,which were used for the analysis.The results identified four areas of impact on credit risk management(CRM):corporate governance exerts the greatest impact,followed by diversification,which plays a significant role,hedging and,finally,the bank’s Capital Adequacy Ratio.This study highlights these four risk management strategies,which are critical for commercial banks to resolve their credit risk.
文摘In this study, we developed multivariate model for the study of the impact of treasury single account (TSA) on the performance of banks in Nigeria. From the study, we discovered that there was no significant difference between the period before and after the introduction of the TSA policy on the performance of banks in Nigeria. In Diamond Bank Nigeria Plc, we observed that there were negative relationships between liquidity ratio and capital adequacy with correlation coefficient of -0.093;liquidity ratio and credit to customers with correlation coefficient of -0.312;capital adequacy and credit to customers with correlation coefficient of -0.176. On the other hand, from the analysis on first bank, we observed that there were both positive and fairly strong relationships between the liquidity ratio and capital adequacy with correlation coefficient of 0.626;negative relationship between liquidity ratio and credit to customers with correlation coefficient of -0.880 and finally, negative relationship between capital adequacy and credit to customers with correlation coefficient of -0.165.
