Departments Bank & Finance A CRITICAL EVALUATION OF LENDING CONSIDERATION OF NIGERIAN DEPOSIT BANKS (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, UNION BANK OF NIGERIA PLC AND OCEANIC BANK OF NIGERIA PLC)

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A CRITICAL EVALUATION OF LENDING CONSIDERATION OF NIGERIAN DEPOSIT BANKS (A CASE STUDY OF FIRST BANK OF NIGERIA PLC, UNION BANK OF NIGERIA PLC AND OCEANIC BANK OF NIGERIA PLC)
A CRITICAL EVALUATION OF LENDING CONSIDERATION OF NIGERIAN DEPOSIT BANKS A CASE STUDY OF FIRST BANK OF NIGERIA PLC, UNION BANK OF NIGERIA PLC AND OCEANIC BANK OF NIGERIA PLC

ABSTRACT

This work titled A critical evaluation of lending consideration of Nigeria Deposit Banks intended looking into the operation of Nigeria Banks. The objectives was to find out if Nigerian Deposit Banks are orthodox and rigid in their lending considerations; to discover whether or not these banks placed more emphasis on collateral and to find out if the veracity of the banks statement that short term and cash reserve requirement of the bank is either imposed by itself or externally imposed by the government, often varies the volume of loan accommodation of the bank for a particular period

To achieve our objective, we postulated hypothesis which are:

Nigerian Deposit Banks are not orthodox and rigid in their lending consideration, Nigerian Deposit Banks do not place too much emphasis on collateral securities.

In other to derive result for our postulated hypothesis, we drew into both empirical and desk research. Bank executives and credit officers working in the credit department of the various banks were interviewed. Government credit guidance and bank annual report were another source of our information including newspapers and journals.

TABLE OF CONTENTS

Title Pagei

Certification..ii

Approval Page..iii

Dedicationiv

Acknowledgment..v

Abstractvi

Table of Contents

CHAPTER ONE: INTRODUCTION

1.1 Background of the Study1

1.2 Statement of the Problem4

1.3 Objective of the study..5

1.4 Research Hypothesis6

1.5 Scope of the Study7

1.6 Research Question.

1.7 Limitation of Study..8

1.8 Significance of The Study8

CHAPTER TWO: LITERATURE OF REVIEW

2.1 Review of literature.10

2.2 Basic Lending principles and Practices of Nigerian Commercial

Banks...12

2.2.1 The three basic principles behind Bank lending .13

2.2.2 Character..14

2.3 Lending practices ...16

2.4 Regulation of Bank lending function .16

2.5 Lending Criteria of Nigerian Deposit Banks. ...23

2.6 Limiting Considerations27

2.7 CHAPTER THREE

3.0 Research Design and Methodology ..31

3.1 Method of data Collected and sources .32

3.2 Source of Data..34

3.3 Method of data analysis ..34

CHAPTER FOUR: Data Presentation and Analysis

4.1 Introduction.37

4.2 Testing of Hypothesis.37

CHAPTER FIVE: RESEARCH FINDINGS, RECOMMENDATION AND CONCLUSION

5.1 Summary of Findings62

5.2 Recommendation63

5.3 Conclusion....64

BIBIOGRAPHY .67


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