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EVALUATION OF BANK LENDING PRACTICES AND CREDIT MANAGEMENT IN NIGERIA
ABSTRACT
The recapitalization of the banking sector in Nigeria since 2005 has brought about a total change in commercial bank lending behavior and credit management in Nigeria. With the growth in entrepreneurial activities in Nigeria, the demand for bank loans is at the increase. Small and medium scale business owners are constantly looking for business credit to expand their operations and sustain their businesses. This gap between business owners demanding for bank loans and the in-ability of commercial banks to totally remedy the situation is disturbing and needs proper attention from the government. Bank LendingEmployees of first bank Nigeria plc, Uyo Branch were used for the study. Findings from the study are limited to First bank plc, Uyo.Bank Lending Concerning methodology, data was gotten from both primary and secondary sources. Bank Lending Questionnaires issued to respondents constitute the primary source of data, while the internet, journals and text books made up the secondary source of data.Findings from the study revealed that credit management in Nigerian banks are not very efficient as some internal control measures to check frauds are missing. The study also revealed that credit management is a very important aspect in banking, as any fraudulent activity in the lending process can collapse businesses and banks as well. Bank officials must be transparent and honest in their dealings with customers who apply for loan facilities, as this will prompt clients to pay up any loan collected.Bank Lending
TABLE OF CONTENTS
TITLE PAGE………………………………………………………………..I
DECLARATION…………………………………………………………..II
CERTIFICATION……………………………………………………….III
DEDICATION…………………………………………………………..IV
ACKNOWLEDGEMENT………………………………………………V
ABSTRACT……………………………………………………………VI
TABLE OF CONTENT……………………………………………….VII
CHAPTER ONE:
INTRODUCTION
1.1INTRODUCTION………………………………………………….1
1.2STATEMENT OF THE PROBLEM……………………………… .2
1.3OBJECTIVES OF STUDY……… …………………………..……..2
1.4STATEMENT OF HYPOTHESIS…………………………………3
1.5SIGNIFICANCE OF STUDY………………………………………3
1.SCOPE OF STUDY………………………………………………..4
1.!DEFINITIONS OF TERMS………………………………………5
CHAPTER TWO
:REVIEW OF LITERATURE
2.1LITERATURE REVIEW…………………………………………..!
2.1.INTRODUCTION………………………………………………….!
2.2COMMERCIAL BANKING IN NIGERIA……………………….”
2.3CHARACTER AND TYPES OF LOANS………………………#
2.4BANKS LENDING POLICIES……………………………….1$
2.5BANK APPROVAL TECHNI’UES………………………….13
2.THE CAUSES OF BAD LOANS IN NIGERIACOMMERCIALBANKS…………………………………………………………15
2.!PROCEDURES FOR LOAN MONITORING…………………1!
CHAPTER THREE: RESEARCH METHODOLOGY
3.1.RESEARCH METHODOLOGY………………………………….22
3.1RESEARCH METHODS…………………………………………..23
3.2DATE COLLECTION TECHNI’UE…………………………… ..23
3.3METHODS OF RESEARCH USED……………………………….24
CHAPTER FOUR
4.1INTRODUCTION………………………………………………2
4.2DATA PRESENTATION ( ANALYSIS……………………….2!
4.3LENDING POLICY AND OBJECTIVE OF CASESTUDY……2!
4.4TYPES OFCREDIT……………………………………………..3$
4.5CREDIT STATUTORY)REGULATORYRE’UIREMENTS….3″
4.DISCRETIONARY LENDINGPOWER…………………….42
4.!CREDIT APPROVALPROCESS……………………………….44
CHAPTER FIVE
5.1SUMMARY* CONCLUSION AND RECOMMENDATION5.2SUMMARY…
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