Improving The Management Of Learnable Funds In Commercial Banks
(A Comparative Study Of Trade Bank (Tb) And Inland Bank Of Nigeria (Ibn))
This study centered on improving the management of loanable funds in commercial banks. The study was comparative in nature, using Trade Bank of Nigeria (TBN) and Inland Bank of Nigeria (IBN).
These two banks were chosen because of their accessibility, high rate of mobilization of deposits and loan defaulting.
The major instrument used for data collection included oral interviews, bank records of daily operations, annual report and statement of accounts. Four hypothesis were formulated in line with the statement of the problems. The data obtained was organized and analyzed with the use of chi square test for goodness of fit, coefficient of correlation, percentage of loan chart and component bar chart were also used respectively where necessary.
The study finally revealed if the incidence of loan default was continuously on the increase/decrease and if such increase/decrease was more in government owned banks or in privately owned banks. It also saw if such increase/decrease was higher/lower in relation to deposit mobilization.
In order to find solution to the problem, it was suggested that banks should adhere strictly to the principles of good lending, improve on security valuation, ensure that men of high integrity are employed at the credit department and emphasize on prudent supervision and control of loan accounts. Other suggestions were purely focused on advisory and credit worthiness for effectiveness and proper management.
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PAGE
TITLE PAGE
CERTIFICATION
DEDICATION
PREFACE
ACKNOWLEDGEMENT
ABSTRACT
TABLE OF CONTENT
CHAPTER ONE:
INTRODUCTION
1.1 Background of the study
1.2 Statement of the problem
1.3 Objective of the study
1.4 Significance of the study
1.5 Research question
1.6 Hypothesis
1.7 Scope and limitations
CHAPTER TWO:
REVIEW OF RELATED LITERATURE
2.1 Commercial Banking in Nigeria: Origin and development
2.1.1 History of Trade Bank Plc
2.1.2 History of Inland Bank
2.2 Commercial banks and economic development
2.3 Banking credit facilities and the Nigerian Economy
2.3.1 The bank loans and advances
– Overdrafts
– Short term loans
– Medium term loans
2.4 Commercial Bank lending criteria
2.4.1 Basic Principles of lending
2.4.1.1 Safety of advance
2.4.1.2 Suitability of advances
2.4.1.3 Profitability of advances
2.4.2 Factor that influence commercial bank lending policies
2.4.2.1 Capital position of banks
2.4.2.2 The risk and profitability of various types of loan and advances
2.4.2.3 Suitability of deposits
2.4.2.4 The position of the Economy
2.4.2.5 Monetary and Fiscal policies
2.4.3 The commercial bank lending policies
CHAPTER THREE:
RESEARCH METHODOLOGY
3.1 Source of data
3.2 Study area
3.3 Sample (Specimen Banks)
3.4 Analytical techniques.
CHAPTER FOUR:
PRESENTATION AND ANALYSIS
4.1 Test of Hypotheis one
4.2 Test of hypothesis one
4.3 Test of hypothesis one
4.4 Test of hypothesis one
CHAPTER FIVE:
SUMMARY OF FINDING, RECOMMENDATION AND CONCLUSION
5.1 Causes of loan default in Commercial bank lending
5.1.1 Bank customers.
– Lack of strict adherence to the principles of good lending
– Poor credit analysis
– Lack of supervision and control of loan account
– Dishonest Bank officials
– Unqualified and conservative managers and lending officers.
– Lending on political grounds.
5.2 Government policies
5.2.1 The Banks
5.2.2 The customers
5.2.3 The economy
5.3 Benefit of impending the management up loanable funds in commercial bank lending.
5.4 Recommendations.
5.4.1 Adhere strictly to the principles of good lending
5.4.2 Valuation of security, the bank staff
5.4.3 Business advisory unit (credit agency)
5.4.4 Supervision and control of loan account
5.4.5 Training of the managing and lending officers.
5.4.6 Loan syndication
5.4.7 Ensure realistic integrity of the credit departments.
5.4.8 Rescheduling of loan
5.4.9 Privatize commercial banks with substantial government interest.
5.5 Conclusion
Bibliography
Questionnaire
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