@incollection{,
	
					
					
					E1D8BEA292C75ED3B4A780EB72469FF1
				,
	author={{Dr. Abdullahi SaniRufai} and {Kogi State University, Anyigba Kogi State Nigeria.}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}134112
}

@book{b0,
	
	
		,
	title={{Lending and Finance}}
		,
	author={{
			WAdewinmi
		}}
		
			,
	year={2005}
			,
	publisher={Lagos Print House}
		
	

}

@book{b1,
	
	
		,
	title={{Lending and Finance in banking}}
		,
	author={{
			WAjayi
		}}
		
			,
	year={1997}
		
	

}

@book{b2,
	
	
		,
	title={{}}
		,
	author={{
			Lagos PrintHouse
		}}
		
	

}

@book{b3,
	
	
		,
	author={{
			NAsika
		}}
		,
	title={{Research Methodology in the Behavioural Science}}
				Lagos
		
			,
	year={2000}
		
	

}

@book{b4,
	
	
		,
	title={{Management Accounting: Ibadan}}
		,
	author={{
			VAyo
		}}
		
			,
	year={2002}
			,
	publisher={Dikasinma Publishers}
		
	

}

@book{b5,
	
	
		,
	author={{
			BCOnouha
		}}
		,
	title={{Business Policy and Strategy}}
				
			,
	year={2011}
		
	

}

@incollection{b6,
	
	
		,
	title={{}}
	
	
		,
	journal={{African Entrepreneurship and Leadership Initiative publisher}}
		
	

}

@book{b7,
	
	
		,
	title={{Bank Asset and Liability Management}}
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	author={{
			TBlack
		} and {
			MScholes
		}}
		
		
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	year={1973. 1988}
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	publisher={Edinburgh University press}
		
	

}

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	title={{Prudential Guideline for Licenced Banks}}
		
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			Central Bank of Nigeria
		
	

}

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	title={{Credit Risk Management-Industry Best Practices}}
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	author={{
			IChazen
		}}
		
			,
	year={1985}
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	publisher={Capitol Hill press}
		
	

}

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		,
	author={{
			HDavid
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	title={{Introduction to Value at Risk, Investopedia}}
				
			,
	year={2008}
		
	

}

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		,
	title={{An Introduction to Monetary Theory and Policy}}
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	author={{
			WDwaye
		}}
		
			,
	year={1976}
			,
	publisher={Free press}
			,
	address={New York}
		
	

}

@book{b12,
	
	
		,
	title={{Dissertation on Commercial Bank Management and Profitability, the case of Cameroon banks}}
		,
	author={{
			EAltman
		}}
		
			,
	year={1968}
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	publisher={University of Skovde Press}
		
	

}

@book{b13,
	
	
		,
	title={{Introduction of Financial Management}}
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	author={{
			MEdozein
		}}
		
			,
	year={1994}
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	address={New York Macmillan}
		
	

}

@book{b14,
	
	
		,
	title={{Simplified Financial Accounting. 2 nd Edition}}
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	author={{
			KIDandago
		}}
		
			,
	year={2001}
			,
	publisher={Adam Ijoju Publishers}
		
	

}

@book{b15,
	
	
		,
	title={{Trends in Nigeria's Balance of Payments and Policy Measures Needed for Selfreliance, CBN, economic and finance review Vol6}}
		,
	author={{
			SBFalagan
		}}
		
			,
	year={1998}
		
	

}

@incollection{b16,
	
	
		,
	title={{Credit Risk Management in banks; the case of Scandinaviska Enskilda Banking (SEB) Stockholm}}
		,
	author={{
			GOBoateng
		}}
	
	
		,
	booktitle={{Dissertation on}}
				
			,
	publisher={University of Skovde press}
			,
	year={2004}
		
	

}

@book{b17,
	
	
		,
	title={{Corporate Credit Analysis, Admission Wesley Longman inc}}
		,
	author={{
			ATGraham
		}}
		
			,
	year={1997}
			,
	address={New York}
		
	

}

@book{b18,
	
	
		,
	author={{
			IMPandey
		}}
		,
	title={{Financial Management}}
				
			,
	publisher={Vikas Publishing House PVT Ltd}
			,
	year={2002}
		
	
	,
	note={eighth edition}

}

@book{b19,
	
	
		,
	title={{Efficacy of Credit Risk Management on the Performance of Banks in Nigeria A Study of Union Bank PLC}}
		
			,
	year={2006-2010}
		
	

}

@book{b20,
	
	
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	title={{References Références Referencias}}
		
	

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	title={{Bank Management Problems and Challenge in Nigeria}}
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	author={{
			CEIthwe
		}}
		
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	publisher={University press ltd. Ibadan}
		
	

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	year={1996}
		
	
	,
	note={Scholarly article on "an analysis of commercial bank}

}

@incollection{b23,
	
	
		,
	title={{Exposure to credit risk}}
	
	
		,
	journal={{Wharton school center for financial institutions}}
		
	

}

@book{b24,
	
	
		,
	author={{
			CKao
		} and {
			JEom
		}}
		
		,
	title={{Scholarly article on "Quantifying Credit Risk, Default Prediction}}
				
			,
	year={2000}
		
	

}

@book{b25,
	
	
		,
	title={{Principles for the Credit Risk Management}}
		,
	author={{
			RMoody
		}}
		
		
			,
	year={2000}
		
	

}

@book{b26,
	
	
		,
	title={{An Analysis of the Growth and Structure of}}
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	author={{
			CFNmwajagu
		}}
		
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	year={2005}
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	address={Nigeria}
		
		
			Commercial Bank Deposit . University banker
		
	

}

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		,
	author={{
			OJNnanna
		}}
		,
	title={{Finance, Investment and Growth in Nigeria. Central Bank of}}
				Nigeria, Corporate Headquarters, Abuja FCT
		
			,
	year={2004}
		
	

}

@book{b28,
	
	
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	title={{Accounting for the Lending Banker: London}}
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	author={{
			JNwaokocha
		}}
		
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	year={2005}
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	publisher={Longman Group Ltd}
		
	

}

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	author={{
			GONwankwo
		}}
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	title={{Bank Management Principles and Practices}}
				
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}

@book{b30,
	
	
		,
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			EMandel
		}}
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}

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		,
	author={{
			AMartim
		}}
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	title={{Financial Market and Institutions. Google digitalized version}}
				
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	year={1974. 2008}
		
	

}

@book{b32,
	
	
		,
	author={{
			LCMather
		}}
		,
	title={{The Lending Banker: London. Waterloo and Sons}}
				
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	publisher={Macmillan}
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	year={1974}
		
	

}

@incollection{b33,
	
	
		,
	title={{the Nigerian Institute of Bankers}}
		,
	author={{
			ROOsayemeh
		}}
	
	
		,
	booktitle={{Practice of Banking}}
				
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	year={1986}
			2
		
	

}

@book{b34,
	
	
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	title={{Lending and Finance}}
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	author={{
			ROOsayemeh
		}}
		
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	year={1981}
		
	
	,
	note={Malt House publisher}

}

@book{b35,
	
	
		,
	title={{Debt Management in Money-Deposit Banks in Nigeria: Lagos}}
		,
	author={{
			JMOvurorie
		}}
		
			,
	year={2009}
		
		
			First Bank of Nigeria Ltd
		
	

}

@book{b36,
	
	
		,
	author={{
			MAPitcher
		}}
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	title={{Management Accounting for the Lending Banker}}
				
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	publisher={London. Macmillan}
			,
	year={1991}
		
	

}

@book{b37,
	
	
		,
	author={{
			ARemi
		}}
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	title={{Advance Financial Accounting}}
				
			,
	year={2002}
		
	
	,
	note={second edition}

}

@book{b38,
	
	
		,
	title={{Credit as well as Credit Risk Management in Banks}}
		,
	author={{
			SVRaghavan
		}}
		
			,
	year={2005}
		
	

}

@book{b39,
	
	
		,
	author={{
			WRoss
		}}
		,
	title={{Modern Financial Management}}
				
			,
	publisher={McGraw Hill Pub}
			,
	year={2008. 2008}
		
	
	,
	note={8th edition}

}

@book{b40,
	
	
		,
	author={{
			SSaunders
		} and {
			TCornett
		}}
		
		,
	title={{Financial Institution Management}}
				
			,
	publisher={McGraw Hill Pub}
			,
	year={2005. 2005}
		
	

}

@book{b41,
	
	
		,
	author={{
			SSaunders
		} and {
			TCornett
		}}
		
		,
	title={{Financial Markets and Institutions}}
				
			,
	year={2007}
		
	

}

@book{b42,
	
	
		,
	title={{Nigerian's Financial System: Essex}}
		,
	author={{
			ASim
		}}
		
			,
	year={2006}
		
	

}

@book{b43,
	
	
		,
	title={{}}
		,
	author={{
			LtdLongman Group
		}}
		
	

}

@book{b44,
	
	
		,
	title={{Value at Risk models in Finance}}
		,
	author={{
			MSimon
		} and {
			ERobert
		}}
		
		
			,
	year={2001}
		
	

}

@book{b45,
	
	
		,
	title={{Credit Risk Management in Banks}}
		,
	author={{
			GTaxxman
		}}
		
			,
	year={2006}
			,
	publisher={Vinyay press Delhi}
		
	

}

@book{b46,
	
	
		,
	author={{
			OVincent
		}}
		,
	title={{Development in the Nigeria Economy and the Banking Industry in the1980s}}
				
			,
	year={1980}
			36
		
	

}

@book{b47,
	
	
		,
	author={{
			FWilliam
		}}
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	title={{Legislations and the Banking Industry, business time}}
				
			,
	year={1982}
		
	

}

@book{b48,
	
	
		,
	title={{Credit risk management of commercial loan portfolio}}
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	author={{
			MWilliam
		}}
		
			,
	year={2007}
			12
		
	

}

@book{b49,
	
	
		,
	title={{Efficacy of Credit Risk Management on the Performance of Banks in Nigeria A Study of Union Bank PLC}}
		
			,
	year={2006-2010}
		
	

}