THE IMPACT OF RISK MANAGEMENT ON PROFITABILITY OF GT BANK PLC, MURTALA MOHAMMED SQUARE BRANCH KADUNA

ABSTRACT The study examines Risk Management and Credit Administration in GT Bank Plc, Murtala Mohammed square branch Kaduna. The research questions that guided this study were: How is risk managed in GT Bank Plc, Murtala Mohammed Square branch, Kaduna? What are the constraints militating against risk management and credit administration in GTBank Plc, Murtala Mohammed square branch Kaduna? What are the solutions to the identified problems. The survey method was used as the research design. The entire population of 30 person from credit department of GT Bank Plc, Murtala Mohammed Square branch  Kaduna were used as the sample size. A questionnaire design in five likert scale was used as the instrument of data collection. The mean (x) was used to analyze data. The result of findings indicates that risk is mainly managed in Gt Bank Plc, Murtala Mohammed Square branch, Kaduna through embarking on insuring customer deposit with NDIC as well as proper evaluation and monitoring of policy as well as efficient appraisal of proposed on investment that would be finance with bank loan. However, the problems confronting risk management and credit administration are basically defective procedures of loan appraisal as well as dearth of knowledge and skills in credit administration and risk management. Commercial bank should establish sound and competent credit risk management units and recruit well motivated staff, credit officers are the cutting edge of credit administration. As such issue pertaining to their selection, training, placement, job evaluating reward and discipline need to be tackled effectively. 
TABLE OF CONTENTS Title page --------i Declaration --------ii Certification --------iii Approval--------iv Dedication --------v Acknowledgement--------vi Table of Contents --------vii Abstract ---------xi
CHAPTER ONE: Introduction 1.1 Background of the Study------1 1.2 Statement of the problem -----2 1.3Research Question ------3 1.4Objective of the study------3 1.5Statement of Hypothesis ------3 1.6Significance of the study------4 1.7Scope of the study-------4 1.8Definition of Terms------4
CHAPTER TWO – Literature Review  2.1Introduction -------5 2.2Conceptual Framework------5 2.3Review of Research Literature-----17 2.4Review of Related Empirical Literature ----28 2.5Summary of the Literature-----36 CHAPTER THREE: Research Methodology  3.1Introduction -------37 3.2Research Design-------37 3.3 Population of the Study------37 3.4Sample Size--------37 3.5Sources and Method of Data Collection---37 3.6Validity of Instrument------38 3.7Reliability of the Instrument-----38 3.8Method of Data Collection-----38 3.9Method of Data Analysis------39
CHAPTER FOUR: Data Presentation and Analysis  4.1Introduction--------40 4.2Respondents Characteristics-----40 4.3Data Presentation and Analysis-----41 4.4Summary of Findings------46 4.5Discussion of Findings------46
CHAPTER FIVE: Summary, Conclusion and Recommendation  5.1Summary--------48 5.2Conclusion --------39 5.3Recommendations-------49 Bibliography-------53 Appendix-------4