Credit extension is an essential function of banks and bank management strive to satisfy the legitimate credit needs of the community it tends to serve. This study is aimed at analysing the credit management in the banking industry in Nigeria with particular reference to first Bank of Nigeria PLC. The importance of credit in the economic growth and development of a country cannot be overemphasized. Despite the important role played by credit in the economy, it is associated with a catalogue of risks. The Nigeria banking industry witnessed some failures prior to the consolidation era due to imprudent lending that finally led to bad debt and some ethical facts. The issue of non- performance of asset and declaring of ficticious project has become the order of the day in our banking system as a result of poor credit management leading to bank distress in the industry. Three hypotheses were formulated and tested through use of chi-square on questionnaires administered to various respondents. From the data collected and the tested hypothesis, results showed that: (i) Inadequate feasibility study affects loan repayment in the banking industry, (ii) The diversion of bank loan to unprofitable ventures affects loan repayment and (iii) The problem of poor attention given to distribution of loan has negative effect on banks performance. Amongst several recommendations were the following: (a) Banks should establish sound and competent credit management unit and recruit well motivated staffs (b) Banks should ensure that the chief executive avoid approval in principle in the credit management, and (c) Banks should have a monitoring and control unit or department to carry out a sort of post- modern exercise by way of controlling and monitoring credit facilities and also ensuring completeness of all conditions precedent to draw down.
Title Page i
Approval Page ii
Certification iii
Dedication iv
Acknowledgement v
Abstract vi
Chapter One
1.0 Introduction 1
1.1 Background Of The Study 1
1.2 Statement Of The Problem 2
1:3 Objectives Of The Study 3
1.4 Research Questions 3
1.5 Statement Of Hypotheses 4
16. Scope Of The Study 4
1.7 Significance Of The Study 5
1.8 Definition Of Terms 6
Chapter Two
Review Of Related Literature
2.0 Introduction 7
2.1 Theoretical Review 7
2.2 Emperical Reviews 51
Chapter three
Research Methodology 54
3.1 Introduction 54
3.2 Research Design 54
3.3 Sources And Techniques Of Data Collection 55
3.4 Descripti0n Of Population And Sample Procedure 55
3.5 Method Of Data Analysis 56
3:6 Determinations Of Critical Values 57
Chapter Four
Data Presentation, Analysis And Interpretation.
4.1 Introduction 60
4.2 Presentation Of Data 60
4.3 Analysis And Interpretation Of Data 60
Chapter Five
Summary, Conclusion And Recommendation
5.1) Introduction 64
5.2 Summary Of Findings 64
5.2 Conclusion 65
5.4 Recommendation 65
Questionnaire 72
Appendix 71
Bibliography 69
Analysis Of Credit Management In The Banking Industry. (n.d.). UniTopics. https://www.unitopics.com/project/material/analysis-of-credit-management-in-the-banking-industry/
“Analysis Of Credit Management In The Banking Industry.” UniTopics, https://www.unitopics.com/project/material/analysis-of-credit-management-in-the-banking-industry/. Accessed 20 September 2024.
“Analysis Of Credit Management In The Banking Industry.” UniTopics, Accessed September 20, 2024. https://www.unitopics.com/project/material/analysis-of-credit-management-in-the-banking-industry/
Here’s a typical structure for Analysis Of Credit Management In The Banking Industry research projects:
- The title page of Analysis Of Credit Management In The Banking Industry should include the project title, your name, institution, and date.
- The abstract of Analysis Of Credit Management In The Banking Industry should be a summary of around 150-250 words and should highlight the main objectives, methods, results, and conclusions.
- The introduction of Analysis Of Credit Management In The Banking Industry should provide the background information, outline the research problem, and state the objectives and significance of the study.
- Review existing research related to Analysis Of Credit Management In The Banking Industry, identifying gaps the study aims to fill.
- The methodology section of Analysis Of Credit Management In The Banking Industry should describe the research design, data collection methods, and analytical techniques used.
- Present the findings of the Analysis Of Credit Management In The Banking Industry research study using tables, charts, and graphs to illustrate key points.
- Interpret Analysis Of Credit Management In The Banking Industry results, discussing their implications, limitations, and potential areas for future research.
- Summarize the main findings of the Analysis Of Credit Management In The Banking Industry study and restate its significance.
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