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CREDIT MANAGEMENT IN COMMERCIAL BANKS A CASE STUDY OF HABIB (NIG) BANK LTD
ABSTRACT
“Cash, a key asset is not the only medium for transacting business. Credit is also used as a means
of encouraging customers patronage increase sales.
Management is tasks, discipline and also people. Every achievement of management is the
achievement of a manager. Every failure is the failure of a manager. People manage rather than
focus on facts. The vision dedication and integrity of managers determines whether there is
management or mismanagement”.
Peter Drucker
The financial industry has been a major energizers of economic growth
and development in Nigeria. Monetary policy which the Government has
been alternating and sometimes combined with fiscal policy to extricate the
country from economic mess has been implemented through essentially
financial institutions. To be able to pursue this towards ensuring systematic
economic, industrial and socio-political development, the financial institution
need enough funds to support lending to various individuals and corporate
customers. So when most of these loans facilities granted become hard core,
financial institutions are not able to fulfil perfectly this responsibility and
their continuous existence is threatened. This has been the effect of mounting
debts in the books of banks especially with the recent withdrawal of deposit
by government and parastatals. Low deposits are costly and financial
institutions need the money to back up their lending.
This research study is therefore focused on the management of credits
in financial institutions. (A case study of Habib Bank Nigeria Limited).
This study was carried through the administration of interviews to the
employees of credit department of habib Bank head office in Kaduna. The
aim of the research has been to find out how the Bank Manages its credits.
The major cause of such credit and the control measures taken by the bank
to minimize the level of such debts. Recommendations are also made.
The study showed that efforts towards managing of credits becomes
imperative and compelling on the bank. It also reveals the manner in which
credit facilities are granted and treated by bank employees. Additional
control measures that could aid the recovery of such credits and minimize the
emergence of new debts have been identified and recommended for adoption
by banks.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
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