Full Project – THE IMPACT OF CORPORATE GOVERNANCE AND RISK MANAGEMENT ON BANK PERFORMANCE
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ABSTRACT
The focus of this research is on the impact of corporate governance and risk management on the performance of Nigerian banks. The major objective of this study is to understand the relationship between risk exposure, risk management, corporate governance and banks’ operational efficiency. Five research questions were designed in the following order: Do commercial banks formulate and implement risk management policies and strategies in their organizations? Do bank officials understand the concept and usefulness of risk management strategies in the banking system? Do bank officials understand the relationship between corporate governance and risk exposure? Do bank officials understand the relationship between corporate governance and risk management? Does corporate governance and risk management have any impact on the operational efficiency of a bank? Similarly five hypotheses were formulated to provide answers to the above research questions. A review of related literature covers issues such as risk exposure and types of risks in the Nigerian banking sector, such as credit default risk, operational risk, reputational risk, human resources risk, and risks associated with mergers and acquisition. The literature review also deals with the nature of risk management in Nigerian banks and the issue of corporate governance in the Nigerian banking system. The study makes use of a combination of three sets of data: (i) structured questionnaire, (ii) personal interview and (iii) published materials. This approach provides a research design when it is necessary to make use of one method of data collection to complement the disadvantages of the other. The research is exploratory with the survey approach. Findings show that there is a strong relationship between risk management, corporate governance and the health and efficiency of a bank. Findings also indicate that the banks that instituted good corporate governance mechanisms performed better than those without such mechanisms. The study shows that the banks that scored low in risk management and corporate governance are more exposed to risk. The study concludes that risk management and good corporate governance is good for operational efficiency among Nigerian banks. It is recommended that observance of good corporate governance by Nigerian banks will make them efficient, effective, responsive and accountable corporations that contribute to the welfare of society by creating sustainable wealth, employment with integrity, probity and transparency.
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Full Project – THE IMPACT OF CORPORATE GOVERNANCE AND RISK MANAGEMENT ON BANK PERFORMANCE