PSYCHOACTIVE SUBSTANCES ABUSE'S EFFECT ON Education IN THE SENIOR HIGH SCHOOLS IN THE KWADASO MUNICIPALITY OF KUMASI

ABSTRACTBanks' biggest worry is defaults on customer loans. It is this risk, more than any other, that must be accurately measured and efficiently managed for a bank to succeed. Since a bank generates most of its income through interest payments, credit risk is crucial in establishing the institution's profitability. Using … See more

ABSTRACTBanks' biggest worry is defaults on customer loans. It is this risk, more than any other, that must be accurately measured and efficiently managed for a bank to succeed. Since a bank generates most of its income through interest payments, credit risk is crucial in establishing the institution's profitability. Using Access Bank as an example, this research analyzes how credit risk management affects business results for banks in Ghana. Secondary data covering five years (2014-2018) was collected from the bank's annual report. The impact of risk management on financial results was analyzed by using correlation and regression. The Bank's loan offering rose between 2014 and 2016, according to the study, before falling in 2017 and 2018. Loans dropped primarily because of economic and political factors. The Bank has 21% of its loan portfolio classified as nonperforming. Results demonstrated a positive correlation between the variables, with NPL having a sizeable effect on EBIDTA (EBIT). The size of nonperforming loans (NPLs) has a direct effect on a bank's profitability, as evidenced by the data. The best way for the bank to maximize profits is to increase loan quality and decrease the number of nonperforming loans. Bank loans must be proportional to the bank's capitalization and regulatory minimums. That's how we'll be able to prevent further NPL losses.

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