CREDIT ADMINISTRATION IN COMMERCIAL BANK (A CASE STUDY OF UNITY BANK NIGERIA PLC)

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ABSTRACT


This research work was undertaken to assess the CREDIT ADMINISTRATION IN COMMERCIAL BANK (A CASE STUDY OF UNITY BANK NIGERIA 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 bad debt of Money-Deposit Banks. 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 of the Money-Deposit Banks should prevent the incidence of bad debts in Nigerian Banks.


TABLE OF CONTENT

Title page
Table of content
Abstract

CHAPTER ONE: INTRODUCTION
1.1       Background to the study
1.2       Statement of the problem
1.3       Research questions
1.4       Objective of the study
1.5       Research hypotheses
1.6       Significance of the study
1.7       The scope of the study
1.8       The limitations of the study
1.9       Definition of terms
1.10   Scheme of the chapters

CHAPTER TWO: LITERATURE REVIEW
2.1       Theoretical Frame Work
2.2       Government Control over Credit
2.3       Credit Administration in Unity Banks of Nigeria PLC
2.4       Lending and Credit  Analysis

CHAPTER THREE: RESEARCH METHODOLOGY
3.0       Introduction
3.1       Research design
3.2       Area of study
3.3       Instrument for data collection
3.4       Reliability of research instrument

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.0       Introduction
4.1       Data presentation and summary of findings
4.2       Provision and analysis of data question
4.3       Hypothesis Testing

CHAPTER FIVE: SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS
5.1       Summary of findings
5.2       Conclusion
5.3       Recommendations
            Bibliography


CHAPTER ONE


INTRODUCTION


1.1         BACKGROUND TO THE STUDY



In a modern economy,there is distinction between the surplus economic units and the deficit economic units and inconsequence a separation of the savings investment mechanism.This has necessitated the existence of financial institution whose jobs include the transfer of funds from savers to investors.one of such institution is the money deposits banks,the intermediating roles of the money-deposit banks places them in a position of ``trustees´´ of the saving of the widely dispersed surplus economic units as well as the determinant of the rate and shape of the economic development.The techniques employed by bankers in this intermediary function should provide them with perfect knowledge of the outcomes of lending such that funds will be allocated to investments in which the probability of full payment is certain.However,in practise no such tool can be found in the decision of the lending banker.Virtually all lending decisions are made under creditors on uncertainty.The risk and uncertainty associated with lending decision, situation are so great that the concepts of risk and risk analysis need to be employed by lending bankers in order to facilitate sound decision-making and judgement.This statement implies that if risks are to be objectively assessed,lending decisions by the money-deposit banks should be based less on quantitative data and more on principles too subjective to provide sound and unbiased judgement.Furthermore,the banks depend heavily on historical information as a basis for decision making.

Apparently aware of the inadequacies of his decisions base,the lending banker has often sought solace in tangible and marketable assets as security giving the impression that lending against such securities is an insurance against bad debts.this makes the banker complacent with his loan portfolio.The increasing trend of provisions for bad and doubtful debts in most money-deposit banks is a major source of concern not only to management but also to the shareholders who are becoming more aware of the dangers posed by these debts.Bad debts destroy part of the earning assets of banks such as loans and advances which have been described as the main source of earning and also determines the liquidity and solvency which generate two major problems, That is profitability and liquidity, has to earn sufficient income to meet its operating costs and to have adequate return on its investments.


1.2     STATEMENT OF THE PROBLEM

The problem for this study is to appraise the lending and credit management policies of a typical Money-deposit bank(the Unity bank of Nigeria Plc) with a view of finding the causes,consequences of bad debts in banks.Year after year,banks suffer much from the part of full loan extended which has for one reason or the other proved unrecoverable.Banks lose millions of Naira in various bad debts yearly and despite efforts by bank management, committee of chief inspectors and the bankers committee on the other hand,the wave of bad debts in banks is still on alarming proportion.This is gathered from a combination of literature.....


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