Examining the internal factors determining the disparity in loan performance across the commercial banks in Nigeria

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dc.contributor.authorUdegbunam, Ralph I.
dc.date.accessioned2018-09-28T14:14:28Z
dc.date.available2018-09-28T14:14:28Z
dc.date.issued2001-06
dc.description.abstractThe Nigerian banking industry experienced severe loan problems and unprecedented losses in the 1990s. The severity of the loan problems varied across banks due largely to differences in the bank’s financial strategies (or specific-attributes). This paper examines the empirical relationship between these strategies and problem loans at these banks. A simple model is specified and estimated, using a pooled cross-sectional data. The empirical evidence strongly suggests that differences in management quality and level of credit risk are the key determinants of problem loans and loan losses at the Nigerian commercial banks in the mid-1990s. However, there is also an evidence of indirect role of credit policy, which appears to suggest that collateralisation of loans is not a sufficient guarantee for loan repayment. Undoubtedly, stringent credit requirements may to problems of adverse selection and loan delinquencies.en_US
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dc.description.provenanceMade available in DSpace on 2018-09-28T14:14:28Z (GMT). No. of bitstreams: 1 Examining the internal factors determining the disparity in loan performance across the commercial banks in Nigeria.pdf: 405805 bytes, checksum: b35698074ed86764ae5e3019dd80b1d1 (MD5) Previous issue date: 2001-06en
dc.description.sponsorshipCentral Bank of Nigeriaen_US
dc.identifier.citationUdegbunam, R. I. (2001). Examining the internal factors determining the disparity in loan performance across the commercial banks in Nigeria. Economic and Financial Review, 39(2) 82-120en_US
dc.identifier.urihttp://repo.cbn.gov.ng/jspui/handle/123456789/301
dc.language.isoenen_US
dc.publisherCentral Bank of Nigeria, Research Departmenten_US
dc.relation.ispartofseriesVolume. 39;No. 2
dc.subjectBanking industryen_US
dc.subjectNigeriaen_US
dc.subjectLoansen_US
dc.subjectCrediten_US
dc.subjectCommercial banksen_US
dc.titleExamining the internal factors determining the disparity in loan performance across the commercial banks in Nigeriaen_US
dc.typeArticleen_US

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