+234 813 0686 500
+234 809 3423 853
info@grossarchive.com

AN ASSESSMENT OF CREDIT MANAGEMENT IN NIGERIA COMMERCIAL BANKS. (A CASE STUDY OF UNION BANK OF NIGERIA PLC) OKPARA AVENUE ENUGU.

  • Type:Project
  • Pages:77
  • Format:Microsoft Word
(Banking and Finance Project Topics & Materials)
ABSTRACT
The purpose of this research is to examine the impact of credit management on commercial banks.   The introduction of the prudential guideline in banking industry, the volume and value of loans and advances classified into non-performing account ahs continued to increase in bank lending.  Obviously this has adverse effect on banks since it affects their cash flow and impair profitability.
Most loans and advances go bad because of the inadequacy in credit management and recovery procedure of banks.  Appraisal of lending vis a vis the credit management of banks and the impact of the application of prudential guidelines on credit, form the major objective of this study.  Union bank of Nigeria Plc Okpara Avenue Enugu was used as a case study with a view to highlight the effectiveness, the adequacy or otherwise of the credit management policy of Nigerian commercial banks with a view to finding the causes and consequences of non-performing loans and advances.  The causes are excessive lending on security values and bad management of borrowers.  Having analysed the data, the following findings were made, the principal objective of bank lending is to generate revenue, the loan deposit ratio affects the liquidity position of commercial banks, non- performing account kept on increasing the frequent occurrence of non- performing accounts was discovered to be as result of the banks inability to put in place an effective process of loan recovery, implementation of prudential guidelines by Nigerian commercial banks reflect the real income of banks.  In conclusion, the prudential guidelines reduced the profitability of commercial banks and made banks classify their loans clearly.  In the recommendation, the researcher suggested   that the provisions of the prudential guidelines should be adhered to and an effective loan monitoring unit should be set-up in al commercial banks.

TABLE OF CONTENTS
Title Page i
Approval page ii
Dedication iii
Acknowledgement iv
List of Table v
Table of Content vii
Abstract x

CHAPTER ONE
1.0 Introduction 1
1.1 Background of the Study 1
1.2 Statement of the Problem 6
1.3 Purpose of the Study 6
1.4 Scope of the Study 7
1.5 Significance of the study 7
1.6 Hypothesis 8
1.7 Definition of Terms 9

CHAPTER TWO
2.0 Review of Related Literature 11
2.1 The role of commercial Banks in Nigeria Economy 11
2.2 Causes of Non-performing accounts/ credits 13
2.3 Techniques though which banks can minimize 15
2.4 The purpose and importance 
of commercial banks in Nigeria. 20
2.5 The positive impacts of the prudential guideline 
on Nigeria banking industry and the economy. 23
2.6 Historical background of union 26

CHAPTER THREE
RESEARCH METHODOLOGY 29
3.1 The Design of the Study 29
3.2 Population of the Study 29
3.3 Sample and Sampling Techniques 30
3.4 Instrument for Data Collection 32
3.5 Validity Reliability of Instrument 33
3.6 Method of Data Collection 33
3.7 Method of Data Analysis 35

CHAPTER FOUR
4.0   Data Presentation and Analysis 37

CHAPTER FIVE
DISCUSSION OF RESULTS 61
5.1 Discussion of Findings 61
5.2 Recommendation 64
5.3 Limitation of Study 65
5.4 Suggestion/ Area for further studies 65
5.5 Conclusion 66
Appendix I 67 Appendix II 68





AN ASSESSMENT OF CREDIT MANAGEMENT IN NIGERIA COMMERCIAL BANKS. (A CASE STUDY OF UNION BANK OF NIGERIA PLC) OKPARA AVENUE ENUGU.

Share This

Details

Type Project
Department Banking and Finance
Project ID BFN1378
Price ₦3,000 ($9)
No of Pages 77 Pages
Format Microsoft Word

500
Leave a comment...

    Details

    Type Project
    Department Banking and Finance
    Project ID BFN1378
    Price ₦3,000 ($9)
    No of Pages 77 Pages
    Format Microsoft Word

    Related Works

    ABSTRACT The purpose of this research is to examine the impact of credit management on commercial banks. The introduction of the prudential guideline in banking industry, the volume and value of loans and advances classified into non-performing account has continued to increase in bank lending. Obviously this has adverse effect on banks since it... Continue Reading
    ABSTRACT The purpose of this research is to examine the impact of credit management on commercial banks. The introduction of the prudential guideline in banking industry, the volume and value of loans and advances classified into non-performing account ahs continued to increase in bank lending. Obviously this has adverse effect on banks since it... Continue Reading
    ABSTRACT This research work is aimed at evaluating the effectiveness and efficiency of fraud control techniques employed in Nigeria commercial banks. The compilation of this research work is structured into five chapters covering very relevant details relating the topics. The types, causes and effect of fraud on individual, banks and on Nigeria... Continue Reading
    ABSTRACT The topic of this project is credit creation and management in Nigerian commercial books. The purpose of the study is to examine the impact of policies issued or introduced into the banking system. The research outline covered the following points, revenue generation as a principal objective of bank lending, inefficient management of loan... Continue Reading
    ABSTRACT The focus of this project is to appraise the application of MBO Programmes in the affairs of Union Bank of Nigeria Plc, Okpara Avenue Branch, Enugu. The programmes of MBO has been... Continue Reading
    ABSTRACT The aim of the study is to find out the extent of Bank/Customer relationship bearing in mind the poor quality of services rendered in banks. Traders to achieve a good and accurate result the researcher split the work in five distinct chapters, each with different objectives. To guide the study, four questions were formulated. A review of... Continue Reading
    ABSTRACT The downturn is the fortunes of most business in Nigeria in recent time has been attributed to several factor including global recession inflation fluctuation in the value of the naira etc. Poor motivation may portray clear display of lack of interest in the work through non- challant attitude to things that would have helped the banks... Continue Reading
    MOTIVATION OF BANK WORKERS FOR HIGHER PRODUCTIVITY IN BANKING SECTOR (A CASE STUDY OF UNION BANK OF NIGERIA PLC OKPARA AVENUE ENUGU) ABSTRACT The downturn is the fortunes of most business in Nigeria in recent time has been attributed to several factor including global recession inflation fluctuation in the value of the naira etc. Poor motivation... Continue Reading
    ABSTRACT The downturn is the fortunes of most business in Nigeria in recent time has been attributed to several factor including global recession inflation fluctuation in the value of the naira etc. Poor motivation may portray clear display of lack of interest in the work through non- challant attitude to things that would have helped the banks... Continue Reading
    EFFECTS OF SUPERVISION ON COMMERCIAL BANK MANAGEMENT. A CASE STUDY OF AFRIBANK PLC, OKPARA AVENUE ENUGU. ABSTRACT This study was to explore the possible impact of supervisor on effective bank management with particular reference to Afribank Plc Enugu. To guide this research the following four research questions were formulated as thus. To what... Continue Reading