AN ASSESSMENT OF LOAN MANAGEMENT IN BANKING SECTOR

( A CASE STUDY OF UNION BANK OF NIGERIA PLC)

COMPLETE MATERIAL IS N5,000.

Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANK SECURITY FOR GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 24 HOURS

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE!!!

ABSTRACT

 

This project work An Assessment of Loans management in banking sectors a study of Union Bank of Nigeria Plc. Kaduna Branch. The study has been done in an attempt to explore the extent the Union bank Kaduan Branch has been controlling its credit system to the Central Bank of Nigeria. Credit guidelines in the development of the National economy.

Banks have generally been credited with and enviable image of being an important sources for capital development. This recognition is derived largely from assumed roles of most banking Institution in mobilizing various depot and channeling their towards profitable investment outlets to the extent that the size, type and level of such investments along with other complementary factors contribute to the improvements of National economy.

Some of the highlights in his project statement of the background of Union Bank Plc, statement of the general problems, objectives of the study, hypothesis, limitation and delimitations, significance, organization and definition of term.

The study includes a review of related literature on how commercial banks determine their lending powers, the CBN credit control and monetary policy over the banks. In addition the study includes types of securities and analysis of sectoral distribution of loans and advances.

The chapter three of the study terms loans and advances. However, it is hope that that the banks will pay more attention in granting loans to the productive sectors of the economy so as to make industrialization policy of the country a reality.

The researcher also has given useful recommendation that will aid and assist the development of banking system and the economy in general.

 

Chapter one

1. Introduction

1.1    Background of the study

1.2    Statement of the problems

1.3    Objectives of the study

1.4    Research question

1.5    Significance of the study

1.6    Scope of the study

1.7    Histroical background of the case study

1.8    defintioin of terms

 

CHAPTER TWO

2. Lierature review

2.1    Hisotrical background

2.2    commerical banks services

2.3    commerical banks and Nigerian government

2.4    classes of client/customers of Commercial banks

2.5    lending service in commercial banks

2.6    origin of bank lending

2.7    crdit guidelines

2.8    determination of bank lending

2.9    lona policies or lending policies

2.10  appraising loan opporutnties

2.11  basic principels of bank lending

2.12  problems of effective lending services

2.13  prospect of bank lending

2.14  the Central Bank involvement lending

2.15  Reason for granting loan

2.16  Advantages of loan and overdraft

Chapter three

3. Research methodology

3.1    Introduction

3.2    method of data collection

3.3    Population and sample size

3.4    Sampling technique

3.5    methods of data analysis

3.6    Justificaiton for the choice

 

CHAPTER FOUR

4. Data presentation analysis and interpretation

4.1    Introduction

4.2    Data analysis and interpretation

4.3    Summary of findings

 

CHAPTER FIVE

5. Summary, conclusion and recommendation

5.1    Summary

5.2    Conclusion

5.3    Limitation of the study

5.4    Recommendations

 

CHAPTER ONE

 

1. INTRODUCTION

1.1   BACKGROUND OF THE STUDY

Generally in Nigeria, banks are usually accused by customer’s of number of short comings, which are regarded as problems and failure in banking system. These include lack of awareness by customers of the services they offer subjecting the customers to long queues unsympathetic staff in terms of courtesy and efficiency, intricals and unprogressive lending policies and procedures irregular issue of statement etc, all these result in low level of customer satisfaction.

 

At moment, Nigeria is fast attempting to transform into a modern industrial society whether this attempt will be achieved or not is still questionable. The urban area having now high population densihes from rural, which are supposed to be the sources of raw materials for the industries. Hence the achievement of industrial objective rest squarely on the shoulders of the banks.

Banks could help Nigeria reframe herself and produce raw materials for her mills and not solely depend on imported ones.

This could be done by diversifying the source of income from the present mono (based solely on petroleum revenue) to that of (diversified one)

The banks role in attaining the above objective ultimately, specially and efficiently is very crucial.

Having experienced the strain, intricale and procedures of obtaining banks loanable fund that researcher mind was directed to the questions as to what participates such stumbling blocks in our banking system. It is the blame on the banks, the customer and the government for not appreciating the place of credit in our society for instance, the banks by the nature of their business exercise a high degree of economic power. To them belong to the naira power which is the lubricate/accelerator of our economy. They have the prerogative in the choice of assets (businesses) they place their disposable portion of funds deposited with them by customers. Tough they know and have experienced the positive results of attempt in the effective provision and use of credit, the banks have been rather very skeptical in exercise this their power not  withstanding the central bank of Nigeria issues annual directives to licensed banks allocating prescribing quantitative ceiling as well as sectorial allocation of their loans and advances to the economy through the monetary policy circulars conveying the central banks, credit guidelines.

However, it has come to be realized that these are certain problems associated with he present lending schemes which must be highlighted and solved by the customers, the banks and   government in providing loanable fund so that more benefit would be taped from this usage.

Hence, the motives behind the caring out of this research study.

1. STATEMENT OF PROBLEMS

There is hardly any approach to obtaining bank loans/credits that is devoid of problems. This project thus sets out to identify the lending problem of bank and customer in Kaduna and its environments.

• high rate of interest/charge
• banks lend on short term basis cannot accommodate medium and long term borrowers.
• High rate of defaut
• Difficulty in banks policy/central bank policies
• Lack of security to back-up the lending