TABLE OF CONTENTS
Contents
Pages
CERTIFICATION..........................................................................i
DEDICATION
............................................................................ii
ACKNOWLEDGEMENTS
............................................................iii
DECLARATION
.........................................................................iv
ABSTRACT
................................................................................v
TABLE OF CONTENTS
...............................................................vi
CHAPTER ONE: INTRODUCTION
1.1 Background Information
............................................................1
1.2 Problem Statement
...................................................................2
1.3 Objectives of the Study
..............................................................2
1.4 Hypotheses of the Study
.............................................................3
1.5 Significance of the Study
............................................................3
CHAPTER TWO: LITTERATURE REVIEW
2.1 Definitions of Financial Institution
.................................................5
2.2 types of Financial Institutions and their associated
functions ..................7
2.3 Financial Institutions in Cameroon
...............................................12
2.4 The Concept of Risk
................................................................17
2.4.1 The Nature of Risk
...............................................................17
2.4.2 Type of Risk
.......................................................................18
2.4.3 Evaluating Risks
..................................................................19
2.4.4 Forms of Risks encountered in the Financial Milieu
.........................19
2.4.4.1 Liquidity Risk
...................................................................20
2.4.4.2 Credit Risks
.....................................................................20
2.4.4.3 Inflation or Price risks
.........................................................20
2.5 Understanding Risk Management
.................................................20
2.5.1 Scope and Objectives
............................................................21
2.5.2 The Role of Risk Management
..................................................21
2.6 Theoretical Literature Review
.....................................................22
2.6.1 The Use of Financial Instruments in Risk Reduction
........................22
2.6.2 The Management of Price Risk in Finance
.....................................23
2.6.3 Theories of Credit Risk
..........................................................24
2.6.4 Risky Shift Theories
..............................................................25
2.7 Empirical Evidence
.................................................................26
CHAPTER THREE: METHODOLOGY OF THE STUDY
3.1 Introduction
..........................................................................28
3.2 Background Information to the Study Area
.....................................28
3.3 Data Collection and Data Sources
................................................31
3.4 Sampling Design
....................................................................32
3.5 Method of Analysis
.................................................................32
3.6 Variables of Interest
................................................................33
CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.0 Introduction
..........................................................................35
4.1 Qualitative Analysis
................................................................35
4.1.1 Assessing the Impact of Risk Management on Credit Risk
.................35
4.1.2 Assessing the Impact of Risk Management on Liquidity Risk
.............38
4.2 Quantitative Analysis
...............................................................40
4.2.1 Investigating the impact of risk Management on the
Profitability of Financial Institutions
....................................................................41
4.2.2 Assessing the Impact of Risk Management on the Overall
Credit Risk Policy
......................................................................................43
4.2.3 Relationship Between Credit Risks and Profits: the case
of Afriland First Bank
.......................................................................................44
4.24 Investigating the Impact of Risk Management on the
Liquidity Position of Financial Institutions
....................................................................45
CHAPTER FIVE: SUMMARY, RECOMMENDATIONS AND CONCLUSION
5.1 Summary of Findings
...............................................................48
5.2 Recommendations
..................................................................49
5.3 Conclusion
...........................................................................50
BIBLIOGRAPHY
....................................................................51-52
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