Credit Risk Management

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A RISK-BASED ASSESSMENT OF ECOBANK GHANA LIMITED (EGH)

Master’s Thesis towards the award of Master of Science degree in Economics and Business Administration (CMFSM - Finance & Strategic Management) at Copenhagen Business School

Author of paper: KWASI MENAKO ASARE-BEKOE

Masters Thesis: A risk-based assessment of Ecobank Ghana Limited

October, 2010

DEDICATION
To the only true God, His only son Jesus Christ and His Holy Spirit. You have brought me this far, giving me strength and guidance through the journey. To You be all the glory and adoration now and forever more. Amen To my wife, children and parents. God bless you for your support. You have been my encouragement.

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Masters Thesis: A risk-based assessment of Ecobank Ghana Limited

October, 2010

ACKNOWLEDGEMENT
I wish to express my sincere gratitude to the Copenhagen Business School for sponsoring my participation in this graduate programme. It is an opportunity I will forever cherish. I am grateful to Mr. Jens Borges, my supervisor. Your counsel was very valuable. I thank all my friends and well-wishers. God be with you all.

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Masters Thesis: A risk-based assessment of Ecobank Ghana Limited

October, 2010

TABLE OF CONTENT
DEDICATION ........................................................................................................................... 1 ACKNOWLEDGEMENT ......................................................................................................... 2 TABLE OF CONTENT ............................................................................................................. 3 LIST OF TABLES ..................................................................................................................... 7 LIST OF FIGURES ................................................................................................................... 8 EXECUTIVE SUMMARY ....................................................................................................... 9 CHAPTER ONE - INTRODUCTION..................................................................................... 11 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 BACKGROUND OF STUDY .................................................................................. 11 JUSTIFICATION OF CHOICE OF INSTITUTION................................................ 12 INTRODUCTION OF COMPANY.......................................................................... 14 STATEMENT OF THE PROBLEM ........................................................................ 14 OBJECTIVE OF THE STUDY ................................................................................ 15 SIGNIFICANCE OF THE STUDY .......................................................................... 15 SCOPE AND LIMITATION OF THE STUDY ....................................................... 16 ORGANISATION OF THE STUDY ....................................................................... 16

CHAPTER TWO - LITERATURE REVIEW ......................................................................... 17 2.0 2.1 2.2 2.3 2.4 2.4.1 2.4.2 2.4.3 2.4.4 2.5 INTRODUCTION ..................................................................................................... 17 RISK MANAGEMENT IN BANKING ................................................................... 17 RATIONALES FOR RISK MANAGEMENT IN BANKING ................................ 18 CATEGORIES OF RISK MANAGEMENT ............................................................ 19 KEY BANK RISKS ................................................................................................. 20 Credit Risk ......................................................................................................... 21 Market Risks ...................................................................................................... 22 Operational Risk ................................................................................................ 26...
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