1.1 STATEMENT OF PROBLEMS AND PURPOSE OF THE STUDY
A commercial bank can be defined operationally as a financial institution which deal in the commerce of money and credit, holding itself out of receive form public deposited repayable on demand, will face the risk of future. i.e. it goes on accumulating irrecoverable debts.
However, their most vital function and which has a great impact on the economy as a whole is credit management. And according to ADEKANA, “the primary function of commercial banks is the extension of credit to worthy borrowers.
Therefore this research work concerns itself with the allegation and fears of the banks stockholders in respect of mounting bad and doubtful debt provision being reported annually by banks. Infact, the main purpose of this work are to.
Appraise the possible debt management measure in the Nigerian banking sector.
Find out whether these measure have to an appreciable extent achieve their aims.
Identify measure taken with respect to bad debt management.
Make recommendation toward the prevention and particularly the minimization of bad debt in the Nigeria banks
TABLE OF CONTENT
Table of content
List of table
1.1 Statement of problem and purpose of the study
1.2 Rationale of the study
1.3 Significance of the study
1.4 Definition of term
2.1 Credit management
2.2 Credit risk
2.3 Securities for bank lending
2.4 Bad debt in Union bank of Nigeria plc
2.5 Management of bad debt in Union bank plc
Research design and methodology
3.1 Source of data
3.2 Sample – sued / location of data
3.3 Location of secondary source of data
3.4 Limitation of the study
4.1 Presentation and analysis of data and discussion of result
4.2 Analysis of data
4.3 Discussion of result of data analysis
Summary, conclusion and recommendation of the study
5.1 Summary of the study
5.2 Conclusion of the study
5.3 Recommendation of the study
5.4 What is personally suggested that future scholars should further study/ learn about my topic