PREDICTING BANK CREDIT RISK USING DATA MINING TECHNIQUE: THE CASE OF BANK NIGERIA

PREDICTING BANK CREDIT RISK USING DATA MINING TECHNIQUE: THE CASE OF BANK NIGERIA

ABSTRACT

Credit facilities and investments are the foundational pillars supporting Nigeria's burgeoning economy. Among the key private banks, the Bank of Nigerians has played a pivotal role in driving economic growth by extending loans to individuals and businesses across various sectors. The bank meticulously adheres to both internal and National Bank credit policies, following a stringent set of procedures and manuals throughout multiple levels of credit committees before disbursing loans to its customers. However, the challenge of loan defaulters and irregular repayments persists, adversely impacting the bank's profitability and, consequently, posing a threat to the broader economic stability of the country. In this context, as Nigerian's economy surges forward, mitigating the risk of loan defaults becomes paramount for the bank

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