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THE EFFECT OF FINANCIAL RATIO ANALYSIS ON CREDIT DECISION IN COMMERCIAL BANKS IN NIGERIA
ABSTRACT
The primary objective of this research is to examine the effect of financial ratio
analysis on credit decision in commercial banks in Nigeria a case study of Lion
Bank of Nigeria Plc. This may enable us to provide a framework for further
research on financial ratio effect on credit decision; there are other factors that
are taking into consideration. But there are cardinal believes that credits should
be given to individuals and organization that will be able to pay them back.
This study is divided into five main chapters. Chapter one provides an insight to the
problems to be studied, objectives of the study, the significance, the purpose, the
scope and limitations of the study, and a brief history of Lion Bank.
Chapter two deals with related past studies concerning financial ratio analysis in
credit decision and the evolutions of banks in the country. This chapter equally
showed ratio as the basis for which financial analysis for credit decision can be
possibly meaningful. In early days of banking operation financial ratio analyses
calculated then are used mainly for credit decision of organization. No serious studies
were done concerning its usage and acceptance in the commercial banks.
Chapter three showed the methodology employed to bring out our findings.
The statistical tools used for the analysis; we adopted questionnaire and
interview as methods of data collection for this study. The questionnaires were
simple and designed to get the best from the practitioners.
Chapter four contains the presentation of data collected in tabular forms; the analysis
and the interpretation of these data were done to see what it signifies.
Towards the end of this chapter is a summary of our research findings; chapter five
which is our conclusion showed that the research problems were fairly
comprehensive. No claim were made here that it is a complete and exhaustive
research on financial ratio analysis usage. However, the investigator tried to bring out
this aspect clearly that people are free to make further contribution since knowledge
is in exhaustive.
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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