2025-03-28https://repository.covenantuniversity.edu.ng/handle/123456789/36207Banks and banking has become synonymous with business management and economic development. The importance of banks to the economy ofevery nation cannot be overemphasized. It is in most cases the driver of the economy in most countries. This is because it deals with the monetary policies while the ministry of finance deals with the fiscal policies. This paper discusses the various roles of various office holders within the banking industry in Nigeria as well as the credit risks involved in the administration and management of loans. It recommends a holistic and inclusive management of both banks and credits to the economic health of the nationapplication/pdfHD28 Management. Industrial ManagementArticle