Ratio Analysis As A Bank Lending Tool
(A Case Study Of Union Bank Of Nigeria, Ogui Road, Enugu)
In chapter one, the target of this project topic is to know how bank lending is concerned with provision of funds for the needy customers as loans from the savings of the fund surplus units paid into the bank. This is the corner stone of a bank with great care to be exercised in this activity in the ratio analysis as a bank lending took is acceptable to both lender and borrower.
In this chapter two, concept of bank lending is an essential function of commercial banking and it has to do with an extension of loans to the borrowers. Banks have some of the objectives of lending, having identified the problems and its impact on the analysis of the borrower’s financial position concerning bank policy will not isolate itself completely from it.
Chapter three will be talking about research method and design with the experimental survey method by interviewing the officials. These will be summarisingly interpreted.
In chapter four, it will be data presentation and analysis of findings and the research will be using the instrument of questionnaires.
Chapter five, is the summaries of some of the key findings of the research which relates to the main objective, recommendation and conclusion.
This study seeks to study the bank lending functions in Nigerian banks, with a view to ironing out the factors militating against the attainment of sound lending which contribute in no small measure to the non-recovery of loans. Investigating the extent to which ratio analysis assist bank managers in their decision in lending. Bank lending is merely the assessment and evaluation of bankable proposition with the objective of extending credit facilities on terms and conditions acceptable to both lender and borrower. The rationale behind bank lending is presumably the desire to attain social and economic objectives for the society and profit for the banks.
Over the years, there has been a transition from an era of paper profits to an era of losses. In fact, many banks no longer lend delinquent debtors to honour their obligations. All these and many more are discussed in this project because one of the most important tasks of ratio analysis is assisting the financial managers to achieve efficiency through the provision of suitable financial information.
In carrying out the above mentioned functions, research questions were used in analysis formulated. Relevant tables were built on the data collected and percentages were used in analysizing the data. The hypothesis which states that “RATIO ANALYSIS does not help financial managers or does not serve as a lending too” was tested from the responses and found to be wrong. Based on the findings, some recommendations were put forward which, if adopted will go a long way in enhancing the effectiveness and reliability of using ratio analysis in evaluating the financial performance of a given institution in a given period before lending.
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Title page
Approval page
Dedication
Acknowledgement
Table of Contents
Abstract
Preface
Proposal
CHAPTER ONE:
1.0 Introduction
1.1 Background of the study
1.2 Statement of problems
1.3 Objectives of the study
1.4 Significance of the study
1.5 Scope and limitations of study
1.6 Hypothesis of the study
1.7 Brief history of the Union Bank of Nig. Plc
1.8 Definition of Terms
CHAPTER TWO:
2.0 Literature Review
2.1 Concepts of Bank lending
2.2 Objectives of Bank lending
2.3 Basic principles of lending
2.4 Constraints/Problems of lending
2.5 Purposes of Ratio Analysis
2.6 Profile of Union Bank
2.7 Objectives/Functions of Union Bank
2.8 Achievements/Challenges
CHAPTER THREE:
3.0 Research Design and Methodology
3.1 Introduction
3.2 Sources of data
3.3 Research population
3.4 Primary and Secondary Data
3.5 Sampling Method used
3.6 Sample Plan and Sample Size
3.7 Questionnaire Design
3.8 Description of Respondents
3.9 Method of Data Analysis
CHAPTER FOUR:
4.0 Data presentation and analysis on findings
4.1 Data presentation
4.2 Data analysis
4.3 Interpretation of results
4.4 Test of hypothesis
CHAPTER FIVE:
5.0 Summary/Recommendation and Conclusion
5.1 Discussion of findings
5.2 Conclusion
5.3 Recommendations
Bibliography
Appendix
This “Ratio Analysis As A Bank Lending Tool” file contains 5 Chapters, 109 Pages and 17,600 Words.
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