ABSTRACT
The purpose of this project was to study credit Analysis & loan management in commercial Bank with particular reference to Afrikbank Nigeria plc.
It was designed to determine what the look for before a loan is granted and how the loan, and its repayment are monitored and recovered, and the effect of bad debts on the banks financial position.
To achieve this purpose, data were collected by the administration of oral interview in addition, personal interviewed were held with some members of staff of Afrikbank as well as seminar papers and textbooks. The study revealed that even though the credit control policy of Afrikbank is satisfactory, there is room for important. The need for the services of credit management agencies was also highlighted in the study. It is suggested, that Afrikbank Nigeria plc should base the granting of credit on laid down polices.
The Bank monitor more closely the relationship between credit and liquidity to enable it continue in Business.
Finally qualified personal should be employed as credit officers for effective and efficient operation and credit control.
TABLE OF CONTENTS
Title i
Approval ii
Dedication iii
Acknowledgement iv
Abstract v
Table of content vi
CHAPTER ONE
1.0 Introduction 1
1.1 Purpose of study 3
1.2 Need for the study 3
1.3 Significance of the study 4
1.4 Scope of the study 4
1.5 Definition of terms 5
CHAPTER TWO
2.0 Evolution the banking industry in Nigeria 7
2.1 Types of loans and advances 8
2.2 C.B.N. credit policy guidelines 10
2.3 The place of credit control in an organization 11
2.4 Credit appraised & cannons of lending 12
2.5 Processing the credit facility. 14
2.6 The major financial risk processing the credit facility 17
2.7 Monitoring loan payment 18
2.8 Management of bad debt and cost of recovery 19
Prudential guidelines decree 1990 credit control
profitability & liquidity 20
CHAPTER THREE
3.0 Summary of findings conclusion & recommendations 27
3.1 Findings 27
3.2 Conclusion 31
3.3 Recommendations 33
Bibliography
Disclaimer: Note this academic material is intended as a guide for your academic research work. Do not copy word for word. Note: For Computer or Programming related works, some works might not contain source codes
CITE THIS WORK
(2014, 11). The Credit Analysis And Loan Management In Commercial Bank.. ProjectStoc.com. Retrieved 11, 2014, from https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939
"The Credit Analysis And Loan Management In Commercial Bank." ProjectStoc.com. 11 2014. 2014. 11 2014 <https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939>.
"The Credit Analysis And Loan Management In Commercial Bank.." ProjectStoc.com. ProjectStoc.com, 11 2014. Web. 11 2014. <https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939>.
"The Credit Analysis And Loan Management In Commercial Bank.." ProjectStoc.com. 11, 2014. Accessed 11, 2014. https://projectstoc.com/read/4280/the-credit-analysis-and-loan-management-in-commercial-bank-5939.
- Related Works
- An Appraisal Of The Economic Implication Of Electronic Banking In Operations Of Banks In Nigeria (a Case Study Of First Bank Of Nigeria Plc)
- Mortgage Banking In Nigeria Historical Development Achievement And Problems.
- The Role Of Nigerian Merchant Bank In Financing International Trade
- The Impact Of Community Banks In Economic Development Of Nigeria
- An Empirical Analysis Of Risk Management And Financial Performance Of Banks In Nigeria (a Case Study Of First Bank And 3 Other Banks)
- Adequacy Or Inadequacy Of Working Capital: Its Importance And Implication
- An Appraisal Of The Role Of Deposit Money Banks In Financing Agricultural Projects In Enugu State (a Case Study Of Selected Deposit Money Banks Enugu Metropolis)
- Financial Statement Analysis As A Bank Lending Tools
- Operational Risk Management In Nigeria Banks (a Case Study Of Guaranty Trust Bank Plc)
- Effect Of Training And Development On The Performance Of Bank Employees In Nigeria