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SECURITIES PERFECTION AND DEBT RECOVERY IN BANKING INDUSTRY

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SECURITIES PERFECTION AND DEBT RECOVERY IN BANKING INDUSTRY

5,000.00 3,000.00

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SECURITIES PERFECTION AND DEBT RECOVERY IN BANKING INDUSTRY 

TABLE OF CONTENT

 

Title page                                                                                                         i

Certification                                                                                                    ii

Dedication                                                                                                      iii

Acknowledgement                                                                                          iv

Abstract                                                                                                          v

Table of content

CHAPTER ONE

1.0       Introduction                                                                                        1

1.1       Statement of problem                                                                                     2

1.2       Objective of the study                                                                        2

1.3       Research questions                                                                              2

1.4       Statement of hypothesis                                                                     2 – 3

1.5       Definition of terms                                                                             3

CHAPTER TWO

2.0       Literature review                                                                                4

2.1       Lending principles                                                                              4

2.2       Statutory and regulation requirement                                                 4 – 6

2.3       Types of security for bank lending                                                     6 – 9

2.4       Loan recovery in banks                                                                       9

2.5       Effect of government regulation and control on bank lending          9

 

2.6       History of Sky bank plc                                                                      9 – 10

 

2.7       Constraints to lending operation in Sky bank plc.                              10 – 11

 

2.8       Loan recovery procedure                                                                    11 – 12

CHAPTER THREE

 

3.0       Research methodology                                                                       13

 

3.1       Data collection                                                                                    13

 

3.2       Method of data and resources of data                                                13 – 14

 

CHAPTER FOUR               

 

4.0       Data analysis                                                                                       15 – 16

 

4.1       Presentation of data                                                                            16

 

4.6       Interpretation of result                                                                        16

 

CHAPTER FIVE

 

5.1       Summary Finding                                                                               17

 

5.2       Conclusion                                                                                          17

 

5.3       Recommendation                                                                                18

 

Reference                                                                                       19

 

 

 

CHAPTER ONE

 

1.0       INTRODUCTION

 

Bank plays important roles in the economic life of a country particularly a developing nation through the provision of banking services. As agent of development, they provide loans and advance including a variety of contingent facilities, which could either be short term or long terms. This explains why credit guidelines contained in government’s monetary circulars stipulate aggregate calling on credit creation as well as the sectoral allocation which bank and other financial institutions must comply with during a fiscal year.

 

In recent time, bank have witnessed a phenomenal growth sin terms of loans in their portfolios a s a result of equity interest, which of federal government has in most bank and the need to finance industrial project in line with the nation’s rapid growth / industrialization.

 

Some of the facilities generally provided by bank include: short term finance medium term finance, long term finance, building / mortgage loans advance against produce etc.

 

When bank are providing these kinds of facilities and some other are exposed to some risks. Lending has some other are exposed to some risks. Lending has become a vital function in banking operations because of its direct effect on economic growth and business development.

 

In this paper, we shall consider lending policy and careful study and proper analysis of securities and how it’s been perfected.

 

Through a banker is expected too exercise consideration skill, use his experience and techniques in analyzing credit proposal and assessing the risks, it has been established from experience that unforeseen situation sometimes affect the borrowers ability to pay and his has led bankers to insure themselves in case the unexpected happens, by demanding some from security.

 

Securities and perfection are particularly relevant to our situation in this court. Where some customer showing are financial impedance resulting in overtrading, poor management, capability, loan morality in business affairs, conflicts of; objectives in corporate and lack of proper accountability in financial management.

 

Bad debts simply means loans or facilities granted to a customer but cannot be re-couple by the bank from the customer after all efforts has intensified. Bad debuts are emotive to banker whose stock in trade is money, view them with dread. There can never be an exhaustive and debts as they are as multifarious as there are diseases.

 

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