Credit Management and Bank Performance of Listed Banks in Nigeria

The study critically assessed the effects of credit management on banks’s performance in Nigeria. In achievithe objectives identified in this study, the audited corporate annual financial statement of listed banks coverithe period 2007-2011 were analyzed. More so, a sum total of ten (10) listed banks were selected and analyzed fthe study using the purposive sampling method. However, in an assessing the research postulations, the stuadopted the use of both descriptive statistics and econometric analysis using the panel linear regressimethodology consisting of periodic and cross sectional data in the estimation of the regression equatioFindings from the study revealed that while ratio of non-performing loans and bad debt do have a significanegative effect on the performance of banks in Nigeria, on the other hand, the relationship between secured aunsecured loan ratio and bank’s performance was not significant. Hence, the study recommends that banmanagement should put in place or institute sound lending framework, adequate credit administration proceduand an effective and efficient machinery to monitor lending function with established rules. Keywords: Credit Management, Non-performing loans and Bad debt, Bank performanc