IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA

IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA

(A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN)

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CHAPTER ONE: INTRODUCTION

  • Background of the study
  • Statement of the problem
  • Objective of the study
  • Significance of the study
  • Research question
  • Hypothesis
  • Scope and limitations

 

CHAPTER TWO: REVIEW OF RELATED LITERATURE

  • Commercial Banking in Nigeria: Origin and development
    • History of Trade Bank Plc
    • History of Inland Bank
  • Commercial banks and economic development
  • Banking credit facilities and the Nigerian Economy
    • The bank loans and advances
  • Overdrafts
  • Short term loans
  • Medium term loans
    • Commercial Bank lending criteria
      • Basic Principles of lending
        • Safety of advance
        • Suitability of advances
        • Profitability of advances
      • Factor that influence commercial bank lending policies
        • Capital position of banks
        • The risk and profitability of various types of loan and advances
        • Suitability of deposits
        • The position of the Economy
        • Monetary and Fiscal policies
      • The commercial bank lending policies

 

CHAPTER THREE: RESEARCH METHODOLOGY

  • Source of data
  • Study area
  • Sample (Specimen Banks)
  • Analytical techniques.

 

CHAPTER FOUR: PRESENTATION AND ANALYSIS

  • Test of Hypotheis one
  • Test of hypothesis one
  • Test of hypothesis one
  • Test of hypothesis one

 

CHAPTER FIVE: SUMMARY OF FINDING, RECOMMENDATION AND CONCLUSION

  • Causes of loan default in Commercial bank lending
    • Bank customers.
  • Lack of strict adherence to the principles of good lending
  • Poor credit analysis
  • Lack of supervision and control of loan account
  • Dishonest Bank officials
  • Unqualified and conservative managers and lending officers.
  • Lending on political grounds.
    • Government policies
      • The Banks
      • The customers
      • The economy
    • Benefit of impending the management up loanable funds in commercial bank lending.
      • Adhere strictly to the principles of good lending
      • Valuation of security, the bank staff
      • Business advisory unit (credit agency)
      • Supervision and control of loan account
      • Training of the managing and lending officers.
      • Loan syndication
      • Ensure realistic integrity of the credit departments.
      • Rescheduling of loan
      • Privatize commercial banks with substantial government interest.
    • Conclusion

Bibliography

Questionnaire

ABSTRACT

This study centered on improving the management of loanable funds in commercial banks. The study was comparative in nature, using Trade Bank of Nigeria (TBN) and Inland Bank of Nigeria (IBN).

 

These two banks were chosen because of their accessibility, high rate of mobilization of deposits and loan defaulting.

 

The major instrument used for data collection included oral interviews, bank records of daily operations, annual report and statement of accounts. Four hypothesis were formulated in line with the statement of the problems. The data obtained was organized and analyzed with the use of chi square test for goodness of fit, coefficient of correlation, percentage of loan chart and component bar chart were also used respectively where necessary.

 

The study finally revealed if the incidence of loan default was continuously on the increase/decrease and if such increase/decrease was more in government owned banks or in privately owned banks. It also saw if such increase/decrease was higher/lower in relation to deposit mobilization.

 

In order to find solution to the problem, it was suggested that banks should adhere strictly to the principles of good lending, improve on security valuation, ensure that men of high integrity are employed at the credit department and emphasize on prudent supervision and control of loan accounts. Other suggestions were purely focused on advisory and credit worthiness for effectiveness and proper management.

CHAPTER ONE

INTRODUCTION

1.1     BACKGROUND OF THE STUDY

banking institutions perform an enviable role of being an important source of capital for development. This emanates mainly from the role, which banking institutions play in mobilizing various deposits and deploying same towards feasible and viable money yielding ventures.

 

Banks through the provision of loans and advances, which are the lifeblood of the business community, occupy a very important position in the structure of the nations economy. The size, type and level of such profitable outlets, along with other complimentary factors contribute to the improvement of the economic well being  of the country in which these banks are located. As a result of this, banking institutions have been seen as agents of economic growth and perhaps economic development. These deposits which are loanable funds can only be made available to banks, if customers make substantial deposits, which may accrue from loans and advances. This enables the banks to run its day to day administration cost remain in business and pay satisfactory dividend to its shareholders. Thus banks have a lending policy to establish the director and use of funds from shareholders deposits, to control the composition and size of loans portfolio and determine the general circumstances under which it is appropriate to make advances.

 

Such loans and advances, are put into productive use by borrower, which leads to increased productivity and profits. These borrowers as a result of the increased profits are able to pay back the principal as well as the interest on such loans and advances, while the bank in turn will extend such repayment as loan and advances to other potential borrowers.

These loans and advances are in a continuous circle.  Any default in repayment will lead to a day in the circle, and reduction in loanble funds, and will as well affect the economic growth of the economy”.

 

Thus bank’s play a very crucial role in the economic well being of the country through the extension of loans and advances. However, full utilization of such facilities is achieved through proper management of such loans and advances.

 

1.2     STATEMENT OF PROBLEM

Lending is the backbone of banking activities, because it generally provides the larger part of banker’s profit. To ensure efficient allocation and utilization of the loanable funds, and hence foster economic development, the banking industry has to be efficient in the loan administration.

 

In this period of scarce financial resources, the economy will only be on the growth path with proper deployment of its loanable funds.

 

However, the banking industry in Nigeria is saddled with the problem of loan default. This arise from the inability of the borrowers to amortize the loans when they are due, thus constituting serious leakage in the loanable funds and this makes it

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