Download complete project materials on Evaluation Of Various Techniques In The Management Of The Bank Lending From The Point Of Disbursement To Ultimate Recovery from chapter one to five
CHAPTER ONE
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INTRODUCTION
1.1 BACKGROUND TO THE STUDYÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
A large percentage of deposit money banks funds consist of deposits on different terms, payable banks to keep upper most their mind, while employing their funds, the imperative necessity of meeting their commitment as and when they arise without the slightest delay.
subject to its ability to pay its depositors as and when due, the deposit fall due. Every money deposit bank is interested in employing as large a portion its funds, a possible in lending, which being in the maximum return.
Lending comprise a very large portion of deposit money banks total assets, and from the backbone   of the banks structure. The strength of the bank as thus primarily judged by the soundness of its lending is considered an important factors inspiring confidence in the depositors and prospective customer of the bank. His, therefore becomes clear that only deposit money banks that have defined policies and procedures that could survive and grow now and in the future.
Stress Management Among Office Professionals In The Banking Industry
The Nigerian banking environment has become highly competitive. With general unfavorable trends, lending has become a very risky business, particularly for deposit money banks, which have to lend at a very high cost are several charges that were introduced over the years to limit the capacity of deposit money bank to lend .
Hence, deposit money banks liquidity positions and to a larger extent their assets base. Though, lending has remained one of the most important aspects of deposit money banking it as also remained an area of major concern. The concern being the inability of the borrows to honour their obligations to pay their outstanding debts. This has result in some bank being classified as distress and some are at the verge of collapse as a result of poor lending policy.
To avoid distress arising from bad and doubtful debts, it is necessary that adequate lending policies and procedure are evolve for the management of lending risks that will go a long way to assist in protecting depositor. It will also help management of commercial banks in achieving nigh loans and ensuring compliance with Central Banks Guidelines.
1.2 STATEMENT OF THE PROBLEMS Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
Most deposit  banks in Nigeria are currently threatened by hinge had debts, burden this incidence of bad and doubtful debts has done so much damage to the banking sector such that shareholders funds, in some cases of completely eroded.
Lending not only play an important role in gross earning of business, but also promoters time economic development of Nigeria. All types of business activities including trade, industry and agriculture have to depend on bank finance in one from or the other.
Commercial banks by channeling accumulated saving of the nation into production user, help both the depositors and the borrowers. Banks assist in crediting more avenues of employment and help in raising the standard of living of the people. It is therefore, necessary to look closely anything that is threatened its survival and growth.
1.3 OBJECTIVES OF THE STUDYÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
The objective of the study is to evaluate the various techniques in the management of the bank lending from the point of disbursement to ultimate recovery. It will also indentify the cause of increase in the level of bad debts recommend strategies as may be necessary in reducing the increase in level of loan written off as bad.
1.4 RESEEARCH HYPOTHESISÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
From the problem of lending confronting Nigerian deposit money banks, the following hypothesis can be made;
H1; Lending policy guidelines and procedures if properly managed and implemented cannot help reducing the level of deposit money banks bad and doubtful debt.
H2; lending policy guidelines amid procedures if properly managed and implemented can help in reducing the level of deposit money bank’s bad and doubtful debt.
1.5 SIGNIFICANE OF THE STUDYÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
The importance of this study [i.e. lending policy in money deposit banks cannot be over emphasized. This because; deposit money banks will have this research very important in the process of granting loans to either corporate bodies or individuals .any deposit money bank that used this research is expected to have good and sound policy in granting loan.
However, on the part of ordinary individual, this research work will help him in knowing the steps to be taking before going to any money deposit bank in search of loan. Furthermore, students of accounting, business studies and financial or business profession will have this work as a reference when discussing lending policy in l9ine of their studies.
1.6 SCOPE OF THE STUDY
This study is intended to cover lending policy in deposit money banks with particular reference to Access Bank Nigeria PLC. The study will examine the various aspects of lending before and after loan were granted up of the finial repayment. Emphasis will be placed on the causes of bad and doubtful debts, it effects and possible remedies that could be adopted to bring the profit the present trend under control.
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