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Relationship Between Credit Management and Financial Performance of Listed Banks in Oman

Author

Listed:
  • Rahil Salim AL-Nabhani

    (Student at Oman College of Management and Technology)

  • Rusl Khamis AL- Alwi

    (Student at Oman College of Management and Technology)

  • Saja Samir AL-Zadjali

    (Student at Oman College of Management and Technology)

  • Dr. Nuzhat Sadriwala

    (Assistant Professor at Oman College of Management and Technology)

Abstract

Throughout the past few years, credit management and bank financial performance have become hot topics among accounting researchers. Studies from industrialized nations have contributed to the growing body of literature on these topics, though this may not be entirely accurate in the case of emerging economies. Thus, the study looked at how the Sultanate of Oman’s chosen listed banks’ credit management and financial performance related to each other. Data from selected listed banks in the Sultanate of Oman’s annual reports and websites were generated. According to the study’s findings, bank profitability declined between 2018 and 2022 because of declining interest margins and a poor correlation between credit management and financial performance in banks with Omani listings. The analysis also found that, because of the company’s inability to repay loans, earnings declined between 2018 and 2022, resulting in a slight increase in total assets. As a result, the study concludes that the financial pattern across the banks in the bank sample seems to be inconsistent. Also, the data was analysed with help of statical tools like Excel, Dot CSV and smart PLS 3.0. Correlations and regression analysis was to establish relationship between independent and dependent variable. There has been significant relationship between Return on Asset and Credit management

Suggested Citation

  • Rahil Salim AL-Nabhani & Rusl Khamis AL- Alwi & Saja Samir AL-Zadjali & Dr. Nuzhat Sadriwala, 2024. "Relationship Between Credit Management and Financial Performance of Listed Banks in Oman," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 8(2), pages 1809-1827, February.
    • Handle: RePEc:bcp:journl:v:8:y:2024:i:2:p:1809-1827
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    References listed on IDEAS

    as
    1. Samson Mbano & Ongayi Wadesango & Newman Wadesango, 2022. "Effectiveness of Credit Management Policies as a Treasury Management Tool in Enhancing Financial Performance: The Case of Colcom Pvt Ltd. 2015-2019," International Journal of Economics and Financial Issues, Econjournals, vol. 12(5), pages 64-70, September.
    2. Evelyn Richard & Marcellina Chijoriga & Erasmus Kaijage & Christer Peterson & Hakan Bohman, 2008. "Credit risk management system of a commercial bank in Tanzania," International Journal of Emerging Markets, Emerald Group Publishing Limited, vol. 3(3), pages 323-332, July.
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