An Analysis Of Credit Delinquency In Commercial Banking
ABSTRACT
As a result of inherent problem of Nigeria commercial Banks, the researcher aim to study “credit delinquency” with a target of improving the financial sector of Nigeria. In this study, credit delinquency sums up to refers to all those polices, acts practices that are incidental to the smooth running or practice of banking business that has to do with loan analysis and management.
For the purpose of this research, data was collected from primary and secondary sources such as published annual reports and account. (Secondary Sources) personal interview (Primary sources). Structure questionnaire. The respondents were analyzed with the use of ratios tables percentage etc. The research revealed that the major problems of financial sector are bad management line efficiency and the adverse economic condition of the country based on the above findings the researcher recommend training loans and advances officers, strict adherence to principles of good lending proper credit analysis should be adhered to both banker and supervisors.
LIST OF TABLES
A comparative analysis of balance sheet extract
B Responses to research Question No1
C Responses to research Question No2
D Responses to research Question No3
E Responses to research Question No4
F Responses to research Question No5
G Responses to research Question No6
H Responses to research Question No7
I Responses to research Question No8
LIST OF FIGURES
4.1 Normal curve ” Decision of Hypothesis i
4.2 Normal curve ” Decision on Hypothesis ii
TABLE OF CONTENT
Title page II
Approval page III
Dedication IV
Acknowledgement V
Abstract VII
Table of content X
List of tables IX
List of figures VIII
CHAPTER ONE
1.0 Introduction 1
1.1 Statement of problem 4
1.2 purpose of the study 5
1.3 Significance of the study 5
1.4 Statements of Hypothesis 7
1.5 Scope of the study 8
1.6 Limitations of the study 8
1.7 Definition of terms 10
CHAPTER TWO
2.0 Review of Related Literature 12
2.1 Credit of commercial bank loans 12
2.2 Types of commercial banks loans 14
2.3 Classification according to period of maturity15
2.4 The lending guidelines 17
2.5 Commercial banks lending guideline 26
2.6 Cause of bank failure 27
2.7 Bank customers 33
2.8 Credit delinquency in commercial bank 37
CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY
3.1 sources of Data 40
– Primary data 40
– Secondary data 41
3.2 Sample used 42
3.3 Method of investigation 43
CHAPTER FOUR
4.0 DATA PRESENTATION AND ANALYSIS
CHAPTER FIVE
5.0 SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION
5.1 Findings 65
5.2 Conclusion 65
5.3 Recommendation 67
BIBLIOGRAPHY 75
APPENDIX 77
QUESTIONNAIRE
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