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THE EFFECTS OF CREDIT MANAGEMENT ON PROFITABILITY OF BANKS IN NIGERIA

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THE EFFECTS OF CREDIT MANAGEMENT ON PROFITABILITY OF BANKS IN NIGERIA

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THE EFFECTS OF CREDIT MANAGEMENT ON PROFITABILITY OF BANKS IN NIGERIA

TABLE OF CONTENT

 

Title Page                                                                                                                    i

Certificate                                                                                                                   ii

Dedication                                                                                                                  iii

Acknowledgement                                                                                                      iv

Abstract                                                                                                                      v

Table of Contents                                                                                                        iv-vii

CHAPTER ONE

 

  1. Introduction 1-21.1  Background of the Study                                                                               2     Statement of the Study                                                                                   2

1.3       Justification of the Study                                                                               2

1.4       Research Question                                                                                          2

1.5       Objectives of the Study                                                                                  3

1.6       Research Methodology                                                                                   3

1.7       Limitation of the Study                                                                                  3-4

1.8       Definition of the Terms                                                                                   4

CHAPTER TWO

2.0       Literature Review                                                                                           5

2.1       The historical perspective from which the same or related problems.            6

2.2       The theoretical perspective from which the same or related

problems have been studied previously.                                                         6-7

2.3       The generalization resulting from the identification of the

problem and theoretical implication of its evolution.                                     8

2.4       The methodology most appropriate for its further study                                8

2.5       First bank of Nigeria plc profile.                                                                     8-9

CHAPTER THREE

3.1       Research Methodology                                                                                   10

3.2       Description of research methodology                                                             10

3.3       Sources of data collection                                                                               10

3.4       Method of data collection                                                                              10-11

3.5       Method of data presentation.                                                                                     11

3.6       Report of Return                                                                                             11

3.7       Population Sample                                                                                          11

3.8       Sample Size                                                                                                     11-12

CHAPTER FOUR

4.0       Data Analysis and Presentation.                                                                     13

4.1       Report of Return                                                                                             13

4.2       Analysis of respondent of Bio-Data                                                               13-15

4.3       Testing Hypothesis                                                                                          15-17

4.4       Continuation                                                                                                   17-19

4.5       General Comments                                                                                         19

CHAPTER FIVE

5.0       Summary, Conclusion and Recommendation                                                 20

5.1       Summary                                                                                                         20

5.2       Conclusion                                                                                                      20-21

5.3       Recommendation                                                                                            21

References                                                                                                      22

Appendix I                                                                                                      23

Appendix II                                                                                                    24-25

 

 

 

CHAPTER ONE

 

INTRODUCTION

 

1.1       BACKGROUND OF STUDY

 

            It has become necessary to take a cursory look at the concept of debts, its ramification and problems associated with management.

 

The issue of problem associated with loans advance management prompts the this central bank of Nigeria (CBN) to reduce the guidelines in a circular entitled “prudential guidelines for licensed Banks” the main purpose of this, is to ensure that the financial guideline ensure conformity with stand to facilitate comparison across banks. The true financial position of bank is often obscured by the accounting period involving its assets and liabilities. The prudential guidelines focus o the assets side of banks balance sheet i.e. loans and advances.

 

In the past, bank different scientifically on the condition under which loan is classified recoverable, doubtful or lost.

 

As such conditions were inherently judgment and there were high potentials for substantial under provision implying that many banks could appear healthier than they really are.

 

Total saving deposit in the commercial banking system represented 85.3% and 8.3%. such saving deposit in the financial system in this period respectively consequently, it is obvious from forgoing, that commercial banks occupy a strategic position in the economy and are able to influence the course of event in the economy. However, numerous complaints have been made against them by the general public (especially their customers) and the monetary authority as regard their inability to meet the demand for credit by their non-challant attitude in respect of the various monetary policies and their non- fulfillment of the credit guidelines on the hand.

 

The techniques employed by banks in this intermediary function should provide them with perfect knowledge of the out comes of lending such that funds will be allocated to investment in which the profitability of full payment is certain. Virtually all lending decisions are made under creditors on uncertainty, the credit and uncertainty associated with lending decision.

 

The statement implies that if credits are to be money deposit banks should be based less in quantitative data and more on principles too subjective to provide sound and unbiased judgment.

 

Furthermore, the banks depend heavily on historical information as a basis for decision making.

 

Apparently aware of the inadequate of his decision base, the bank lending has often sought solace in tangible and marketable assets as security is an insurance. The increasing trend of provisions for doubtful in most money-deposit banks is a major source of concern not to management but also top the shareholders who are becoming more aware of the dangers posed ,by these credits. Credit destroy part of the dangers posed by these credit. Credit destroy part of the earning assets of banks such as loans and advances which have been described as the liquidity and solvency which generate two major problem, that is profitability and liquidity, has to earn sufficient income to meet its operating costs and to have adequate return on to its investments.

 

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