Credit Creation And Management In Commercial Banks
(A Case study of union bank of nigeria, Ogui road enugu)
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 portfolio a fundamental problem of distressed banks. Loan/deposit ratio as it affects’ liquidity position of banks and the impact of prudential guideline.
Questionnaire was use in data collection using the random sampling method. The chi-square statistic was use in testing the hypothesis.
The finding were that level classified loans as bad or doubtful is still height though prudential guidelines reduce the profit of banks’ it increased value of the banks assets.
The recommendation is for the banks have an effective and efficient loan monitoring and recovery unit in place.
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Cover page
Dedication
Acknowledgement
Table of content
List of tables
List of figures (if any)
Abstract
CHAPTER ONE:
INTRODUCTION
1.1 Background of the study
1.2 Statement of the problem
1.3 Purpose or objective of the study
1.4 Research hypothesis
1.5 Significance of the study
1.6 Scope of the study
1.7 Limitation of the study
CHAPTER TWO:
REVIEW OF LITERATURE
2.1 Role of commercial banks in Nigeria economy
2.2 Causes of non-performing accounts
2.3 Ways of minimizing occurrence of non-performing accounts
2.4 Importance of prudential guidelines
2.5 Impact of prudential guidelines
2.6 Summary of the related review literature
CHAPTER THREE:
RESEARCH METHODOLOGY
3.1 Research design
3.2 Area of study
3.3 Population of study
3.4 Sample and sampling procedure
3.5 Instrument for data collection
3.6 Validation of the research instrument
3.7 Reliability of the research instrument
3.8 Method of data administrator
3.5 Data analysis
CHAPTER FOUR:
DATA PRESENTATION AND RESULTS
4.1 Summary of results/findings
CHAPTER FIVE:
DISCUSSION OF RESULTS IMPLICATIONS AND RECOMMENDATIONS
5.1 Discussions of results
5.2 Conclusion
5.3 Implication of the research results
5.4 Recommendation
5.5 Suggestions for further research
5.6 Limitations of the study
Reference
Appendix
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