Credit Risk Management and Financial Performance in Finance Trust Bank, Uganda
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Date
2026-04-15
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Uganda Christian University
Abstract
This study which examined credit management and the financial performance of financial institutions in Uganda was carried out at the Finance Trust Bank branch in Kampala. This study examined the effect of credit risk management practices on the financial performance of Finance Trust Bank (FTB) in Uganda. The research specifically investigated the influence of credit risk identification, assessment, and control practices on key financial performance indicators, including profitability, revenue growth, return on assets, and overall financial sustainability. The study concludes that effective credit risk management is critical for enhancing financial performance in Ugandan commercial banks. It recommends that FTB and other financial institutions continuously strengthen their risk identification, assessment, and control systems, including regular stress testing, collateral management, and use of advanced credit scoring models, to sustain profitability and minimize non-performing loan
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Undergraduate