Browsing by Author "NABUZALE ESTHER"

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    RISK MANAGEMENT AND FINANCIAL PERFORMANCE IN COMMERCIAL BANKS (A CASE STUDY OF DFCU MBALE BRANCH)
    (Uganda Christian University, 2025-07-26) NABUZALE ESTHER
    The research was undertaken to assess the effect of risk management on financial performance of commercial banks in Uganda, case of DFCU Bank, Mbale branch. It was guided by three objectives; to assess the effect of risk identification, to determine the effect of risk analysis and to analyze the effect of response planning on financial performance of DFCU Bank Mbale branch. The researcher used a sample size of 63 respondents and used questionnaires and interview guide to collect data and later the data was analyzed using the statistical package for social sciences (SPSS). Results of the first objective showed that risk identification has a significant effect on financial performance of DFCU Bank Mbale branch. Supported by the following responses; 30% strongly agree, 24% Agree to the statement that employees ensure that all potential project risks are identified; 33% strongly agree, 29% agree to the statement; 48% strongly agree, 13% Agree to the statement that careers in safety management often entail planning for the worst while expecting the best; Results of the second objective revealed that risk analysis has a significant effect on financial performance of DFCU Bank Mbale branch. Supported by the following responses; 35% strongly agree, 21% Agree to the statement that respondents anticipate and reduce the effect of harmful results from adverse events. Results of the third objective showed that response planning has a significant effect on financial performance of DFCU Bank Mbale branch. 22% strongly agree, 29% strongly agree to the statement that employees are appropriate to the severity of the risk. The bank should establish a comprehensive risk management policy and framework that defines roles, responsibilities, and processes for identifying, assessing, and managing risks