AN OVERVIEW OF THE RISKS ASSOCIATED WITH BANK LENDING IN THE BANKING SECTOR

ABSTRACT

 An overview of risk associated with bank loading in the banking sector is a topic Chosen from the financial field. The purpose of this research work is to identify the factors and effect of risk in the financial institutions with special reference to banks.
This research work will expose us to:
1.    Find out the extent to which risk of lending constituted major problems.
2.    find out the extent to which risk is associated with lending in the banking sector.
3.    Find out the need for effective & efficient of risk in the growth of banks.
4.    Find out the need for effective & efficient analysis of risk inherent in bank lending.
       




TABLE OF CONTENT



   TITLE PAGE
    APPROVAL PAGE
    DEDICATION
    ACKNOWLEDGEMENT
    ABSTRACT
    TABLE OF CONTENT.

CHAPTER ONE
1.0    INTRODUCTION
1.1    BACKGROUND OF THE STUDY
1.2    STATEMENT OF PROBLEMS
1.3    PURPOSE/OBJECTIVE OF THE STUDY
1.4    RESEARCH QUESTIONS
1.5    STATEMENT OF STUDY
1.6    SIGNIFICANCE OF STUDY
1.7    SCOPE, LIMITATIONS AND DELIMITATION
1.8    DEFINITION OF TERMS.
REFERENCE

CHAPTER TWO
2.0    LITERATURE REVIEW
2.1    NATURE AND DIMENSIONS OF RISKS
2.2    FUNCTIONAL DEFINITION OF RISK
2.3    RISKS MANAGEMENT
2.3.1    RATIONAL FOR BANK WIDE RISK MANAGEMENT
2.3.2    TYPES OF BANK RISKS
2.4    RISK AND UNCERTAINLY
2.5    BANKS & RISK OF LENDING
2.5.1    THE CONCEPT OF CREDIT RISK
2.5.2    THE CREDIT RISK IDENTIFICATION
2.5.3    CREDIT RISK ASSESSMENT
2.5.4    CLASSIFICATION & HANDLING OF RISKS.
2.6    FRAMEWORK FOR LENDING
2.6.1    LENDING PRINCIPLES
REFERENCES.

CHAPTER THREE
3.0    RESEARCH DESIGN AND METHODOLOGY
3.1    RESEARCH DESIGN
3.2    AREA OF STUDY
3.3    POPULATION
3.4    SAMPLE AND SAMPLING TECHNIQUE
3.5    INSTRUMENT FOR DATA COLLECTION
3.6    METHODS OF DATA PRESENTATION
3.7    TECHNIQUE OF DATA ANALYSIS
REFERENCES.


CHAPTER FOUR
4.0    DATA PRESENTATION AND ANALYSIS
4.1    DESIGNS AND FEATURES OF FINANCIAL REPORTS IN THE BANKING SECTOR.
4.2    ASSESSMENT OF INSTITUTIONAL STRUCTURE FOR RISKS MANAGEMENT.
4.3    PRESENTATION OF DATA ANALYSIS
4.4    TEST OF HYPOTHESIS
REFERENCES

CHAPTER FIVE
FINDINGS, RECOMMENDATION AND CONCLUSION
5.0    SUMMARY OF FINDINGS
5.1    RECOMMENDATIONS
5.3    CONCLUSION
REFERENCES.

BIBLOGRAPHY
 
PROPOSAL

Risk as we know it, is an action taken with varied and unlimited certainty, when applied in the course of lending several options and end points are obtained. Why do you lent?As bankers we lend to fill the gap created from those having deficit to those having surplus, but at a profit.In the course of lending, several things have to be noted, investigated, amitiorated and controlled, ranging from industry risk, credit risk, price risk, micro economic instability, fluctuation in govt policy, globalization etc. In chapter one of this study, we shall attempt to introduce the concept of risk and illusidate on its core and periferials.
Chapter two comprise of the literature review whereby we shall by to harmonize past and present data/events as regards to risk as expanciated by several leading authors and authorities.Chapter three comprises of the made made at which the questionnaires were distributed, oral & written interview carried out and mode at which information were sourced.Chapter four is a theoretical frame work, going by the result of three and backed up by literature review of two, we obtain an inmate theory as per risk with regards to the best possible method, technique, criteria, methodology of handling risk and we now apply such in the practical sense or various credit request made in the banking sector. Chapter five borders on the outcome of the application of the theory, the gliches observed and the recommended solutions towards a best possible and in order to safeguard bank fund and equally not render ourselves (i.e the credit officers) liable for professional negligenceincompetence, which may have dial consequences.