This research work was undertaken to assess the effect of risk and credit management on bank performance with reference to Zenith Bank Plc.
This work was intended to achieve the following objectives: to appraise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence risk and credit management on bank performance.
Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed while data from various relevant publications constituted the sources of secondary data. Upon the analysis of data, the following conclusions were drawn; that sound lending requires a clear-well articulated and easy accessible policy document which spells out the philosophy of lending. On the basis of the above findings, it was recommended that banks should ensure that loans given out to customers should be backed by adequate collateral security.
Finally, it is the opinion of the researcher that the management the Money-Deposit Banks should prevent the incidence of bad debts in Nigerian Banks.