Credit Risk Management Perception in Nigeria commercial Banks: A Case Study of First Bank of Nigeria Plc and Union Bank of Nigeria Plc

ABSTRACT
The research was undertaken to evaluate credit risk
management Perception in Nigeria commercial banks using
First bank of Nigeria Plc and Union bank of Nigeria Plc as a
case study.The work was intended to achieve the following
objectives; to examine the causes of credit risks in Nigeria
commercial banks.

To review the strength of the Commercial
banks in combating this menace.To also ascertain the level of
contribution of the central bank of Nigeria in helping the
commercial banks mitigate credit risk. Relevant data were
collected from both primary and secondary data sources.
Questionnaire was the main primary data collection
instrument employed while data from various relevant
publications and annual reports constituted the secondary
data. Based on the study, the following conclusions were
drawn: There are several causes of credit risk to commercial
banks in Nigeria Credit risks do really affect or reduce the
operational efficiency of these banks.

Employment of strategies
in reducing this credit risk is more sophisticated in first bank
of Nigeria plc than in union bank of Nigeria plc. Central bank
of Nigeria has over the years been assisting the commercial
banks in fighting these credit risks. On the basis of the above
findings the following recommendations were made:
Commercial banks should employ more strategic means in
monitoring credit losses in their banking system.
Commercial banks should assess the workability of each
strategy before implementation. Since strategies are costly and
may involve heavy capital investment.
More research should be conducted in assessing the lending
behaviour of Nigeria commercial banks.

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