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Performance of credit portfolio and risk Management: a case study of Barclays Bank Tanzania

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Show simple item record Msuya, Jeremia Henry 2016-03-15T19:12:35Z 2016-03-15T19:12:35Z 2014
dc.description A Dissertation Submitted to Dar-es-Salaam Campus College in Partial Fulfillment of the Requirements for the Award of Master of Science in Accounting and Finance Degree of Mzumbe University. en_US
dc.description.abstract This study was conducted at Barclays Bank Tanzania Limited (BBT) with the main objective of assessing the challenges of risk management in credit portfolio in commercial banks. Lending is the backbone of commercial banking, so lending is what banks should do best. Yet these portfolios proved to be the source of recurring problems and the cause of failure for many commercial banks. Credit portfolio management grew out of the need to improve the financial performance of the large corporate loan portfolios in commercial banks. It is paradoxical that these portfolios created the biggest problems for originators and investors in the marketplace. After all, large corporate loan portfolios typically are composed of loans, commitments, and other lending exposures to banks' most creditworthy customers. The Tanzanian commercial banks have gained a significant share of banking and financial markets in the country and provide important benefits to the economy, they facilitate the achievement of the objectives of financial liberalization by boosting competition in banking markets, stimulate improvements in services to customers and expand access to credit, especially to domestic small- and medium-scale businesses. But the attainment of these benefits has been jeopardized because the Tanzanian commercial bankshave been vulnerable to financial distress due to the presence of various risks in operation. Substantial number of banks has failed, mainly because of the challenges of risk management of credit portfolio. It is important to the bankers to understand all risks embedded in loaning business and their potential impact on the institution. The following are the categories relate to a bank’s lending function, that is credit risk, foreign exchange risk, political risk, interest rate risk and liquidity risk. A researcher uses four different methods in collecting data which are documentation, personal interviews, questionnaire and observation and get all the necessary information from BBTs’ annual reports, extraordinary meetings reports, journals, audited financial statements and intranet. Therefore, there are need of improving the credit risk control measures faster and implementing them for its sustainability and portfolio growth. en_US
dc.language.iso en en_US
dc.publisher Mzumbe University en_US
dc.subject credit portfolio en_US
dc.title Performance of credit portfolio and risk Management: a case study of Barclays Bank Tanzania en_US
dc.type Thesis en_US

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