AN ASSESSMENT OF CREDIT MANAGEMENT IN NIGERIA COMMERCIAL BANKS.

Code: 2F1C6292019 Price: 4,000 82 Pages Chapter 1-5 6619 Views

GET THE FULL MATERIAL

The purpose of this research is to examine the impact of credit management on commercial banks. The introduction of the prudential guideline in the banking industry, the volume and value of loans and advances classified into non-performing account have continued to increase in bank lending. Obviously, this has an adverse effect on banks since it affects their cash flow and impairs profitability. Most loans and advances go bad because of the inadequacy in credit management and recovery procedure of banks. Appraisal of lending vis a vis the credit management of banks and the impact of the application of prudential guidelines on credit form the major objective of this study. Union Bank of Nigeria Plc Okpara Avenue Enugu was used as a case study with a view to highlighting the effectiveness, the adequacy or otherwise of the credit management policy of Nigerian commercial banks with a view to finding the causes and consequences of non-performing loans and advances. The causes are excessive lending on security values and bad management of borrowers. Having analysed the data, the following findings were made, the principal objective of bank lending is to generate revenue, the loan-deposit ratio affects the liquidity position of commercial banks, non- performing account kept on increasing the frequent occurrence of non- performing accounts was discovered to be a result of the banks inability to put in place an effective process of loan recovery, implementation of prudential guidelines by Nigerian commercial banks reflect the real income of banks. In conclusion, the prudential guidelines reduced the profitability of commercial banks and made banks classify their loans clearly. In the recommendation, the researcher suggested that the provisions of the prudential guidelines should be adhered to and an effective loan monitoring unit should be set-up in al commercial banks.

Sample Preview:

DOWNLOAD SAMPLE

DOWNLOAD FULL MATERIAL

Share on social media

WhatsApp Facebook Instagram Twitter

Terms of Use: This is an academic paper. Students should NOT copy our materials word to word, as we DO NOT encourage Plagiarism. Only use as a guide in developing your original research work. Thanks.

Disclaimer: All undertaking works, records, and reports posted on this website, eprojectguide.com are the property/copyright of their individual proprietors. They are for research reference/direction purposes and the works are publicly supported. Do not present another person’s work as your own to maintain a strategic distance from counterfeiting its results. Use it as a guide and not duplicate the work in exactly the same words (verbatim). eprojectguide.com is a vault of exploration works simply like academia.edu, researchgate.net, scribd.com, docsity.com, course hero, and numerous different stages where clients transfer works. The paid membership on eprojectguide.com is a method by which the site is kept up to help Open Education. In the event that you see your work posted here, and you need it to be eliminated/credited, it would be ideal if you call us on +2348064699975 or send us a mail along with the web address linked to the work, to eprojectguide@gmail.com. We will answer to and honor each solicitation. Kindly note notification it might take up to 24 – 48 hours to handle your solicitation.

Material Information

₦4,000.00 1 Price:
82 2 No. of Pages:
5 3 No. of Chapters:
No 4 Has Implementation:

FOR ENQUIRIES WE ARE AVAILABLE 24/7

Contact us on

WhatsApp Phone Call Email Facebook