S. U. Eboigbe

This study investigates the impact of credit risk management on the performance of Nigerian banks, focusing on three key variables: Non-Performing Loan Ratio (NPLR), Loan Loss Provisioning (LLP), and Collateralization Ratio (CR). Using descriptive statistics, correlation, regression analysis, and diagnostic tests, the findings reveal: •NPLR negatively affects bank performance, as higher non-performing loans reduce profitability and asset quality. •LLP also has a significant negative impact, indicating that excessive provisioning for potential loan losses constrains profitability. •CR, however, positively influences performance, as higher collateralization mitigates credit risk and enhances financial stability. •Diagnostic tests confirm the reliability of the data and model. The study concludes that effective credit risk management is essential for improving bank profitability and recommends stricter credit assessments, balanced provisioning policies, and leveraging technology for better loan management. These findings align with prior research emphasizing sound credit risk practices to enhance financial stability

The study investigated stock market synchronization and market volatility in Nigeria for a period of 11 years (2009 to 2019). The rationale for the present study is predicated on the fact that the stock market play a significant role in the economy of every country across the globe. The study employed the regression analysis techniques on variables such as all share index (ASI), treasury bill rate (TBR), broad money supply (M2), oil price (OP) and exchange rate (EXRT). The empirical results revealed that; treasury bill rate (TBR) has a negative in significant effect on all share index in Nigeria within the period of investigation; broad money supply has a positive insignificant effect on all share index in Nigeria; Oil price(OP)exert significant and favourable impact on all share index in Nigeria; and exchange rate has a negative significant impact on all share index in Nigeria. The study recommends among others that; the Nigerian monetary authority should ensure exchange rate stability so as to encourage rate capital inflows in the economy; to ensure effective expansionary monetary policy in the economy, the Central Bank of Nigeria should strengthen the financial system so that broad money supply in circulation can contribute significantly to the performance of the capital market; and appropriate monetary measures should be undertaken to ensure stock price synchronization in order to the performance of the stock market in Nigeria.