Project materials download on Analysis Of The Impact Of Lending Policy On Loan Portfolio Of Banks In Nigeria
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ABSTRACT
Lending which is granting of credit inform of loan, advances and over draft by commercial banks to individuals, private and corporate bodies occupies a strategic and paramount position in the economic development of a nation. Bank performs this function by mobilizing funds from the nation’s surplus economic unit of the economy.
This project focuses on lending policies of banks in Nigeria banking industry.
Data was collected through primary and secondary sources of data collection. Questionnaire were administered to bank officials in which some were returned unanswered due to reluctance in giving detailed replied to some question asked. Data from bank record was delivered into for detailed analysis under the secondary sources of data.
The introductory chapter set out the theoretical background, justification and objectives of the study. Several literatures was reviewed on the bank lending policies and review of credit control in banking industry. It also talks on the need for loan administration and the reason for bad debts in banking industry.
The research study concludes its work with the summary, of the findings, recommendation solution to the research problems and the final conclusion.
The result of the findings shows that the down turn in the economy has placed a large part in the accumulation of bad debts and also most loan given out are done without in depth credit analysis.
TABLE OF CONTENT
Title Page
Dedication
Declaration
Certification
Acknowledgement
Abstract
Table of Contents
CHAPTER ONE
1.0 Introduction
1.1 Background of the Study
1.2 Statement of Research
1.3 Objectives of the Study
1.4 Significant of the Study
1.5 Delimitation of the Study
1.7 Definition of key Terms
CHAPTER TWO
2.0 Literature Review
2.1 Introduction
2.2 Bank Lending Policy
2.3 Review of Credit Control in Banking Industrial
2.4 The Need for Loan Administration and Control
2.5 Rationale for Lending Policies
2.6 Meaning and Types of Lending Policies
2.7 Tools Used in Lending Monitoring and Supervision
2.8 ncept of Bad Debt
CHAPTER THREE
3.0 Research methodology
3.1 Introduction
3.2 Definition of Population
3.3 Limitation of the Methodology
CHAPTER FOUR
4.0 Analysis and Data Presentation of Data
4.1 Introduction
4.2 Conduct of Field Work
4.3 Implication of Inflation on Lending
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendations
5.1 Summary
5.2 Conclusion
5.3 Recommendations
Appendix
References
CHAPTER ONE
1.0INTRODUCTION
1.1 BACKGROUND OF THE STUDY
Lending is- one of the oldest and major services rendered by banks to its customers and it has become an important role in banking operation because of its tremendous effects on economic growth and business development.
As far as banks are concerned, their role as lender is vital as the deposit taking considering the inter-relationship between one bank and another.
The commercial objectives of banks is to maximize profit, although other social and economic function leaned on this primary objectives. Lending is carried out in many ways, the most current of which is by granting of loan and advances to the customers. There are other forms of bank credit facilities such as letter of credit, and advances constitute a major part of bank lending.
The ability of a bank to lend successfully depends on its ability to recover the credit facilities and make reasonable profit from the borrowing. However, lending activities are associated with numerous risks and constraints surrounding it.
The practical problem in bank lending can be said to be a product of a number of factors among which are; through borrowers, savers, government, through central bank and lending officers.
The interest of parties concern is often in conflict. The conflicting interest of these parties is what really makes lending exercise a problem in the process of lending, the purpose of saving money in banks by the savers is to get the deposit with high interest in the future while that of the borrower is to secure credit in the banks with low interest to finance their businesses or to cater for their domestic needs.
At the same time, the financial institution which is an intermediary between the saver and lender would like to please both parties without putting himself into jeopardy.
In light of these, lending decision is calling for strength, full knowledge and competence of a lending officer to enable them make a wise decision considering a number of constraints and challenges associated with lending.
The problem of lending do not just occur, its occurrence could be valued to the conflicting interest of parties concerned viz saver, borrower, government and lending officers. Each party mentioned above create one or tow constraints, which limit the freeness of lending activities.
Apart from the fact that lending is one of the function that bank perform, a highly Quality and well Managed loan portfolio with make a bank prosper while the poorly administered one will lend significant course and may even result in failure of banks.
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