AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)

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ABSTRACT

As a result of inherent problem of Nigeria commercial Banks, the researcher aim to study “credit delinquency” with a target of improving the financial sector of Nigeria.

In this study, credit delinquency sums up to refers to all those polices, acts practices that are incidental to the smooth running or practice of banking business that has to do with loan analysis and management.

For the purpose of this research, data was collected from primary and secondary sources such as published annual reports and account. (Secondary Sources) personal interview (Primary sources). Structure questionnaire. The respondents were analyzed with the use of ratios tables percentage etc.

The research revealed that the major problems of financial sector are bad management line efficiency and the adverse economic condition of the country based on the above findings the researcher recommend training loans and advances officers, strict adherence to principles of good lending proper credit analysis should be adhered to both banker and supervisors.

TABLE OF CONTENT

Title pageII

Approval pageIII

Dedication IV

Acknowledgement V

AbstractVII

Table of contentX

List of tablesIX

List of figuresVIII

CHAPTER ONE

1.0Introduction 1

1.1Statement of problem4

1.2purpose of the study5

1.3Significance of the study5

1.4Statements of Hypothesis7

1.5Scope of the study8

1.6Limitations of the study8

1.7Definition of terms10

CHAPTER TWO

2.0Review of Related Literature12

2.1Credit of commercial bank loans12

2.2Types of commercial banks loans14

2.3Classification according to period of maturity15

2.4The lending guidelines 17

2.5Commercial banks lending guideline26

2.6Cause of bank failure27

2.7Bank customers33

2.8Credit delinquency in commercial bank37

CHAPTER THREE

3.0RESEARCH DESIGN AND METHODOLOGY

3.1 sources of Data40

-Primary data40

-Secondary data41

3.2Sample used42

3.3Method of investigation43

CHAPTER FOUR

4.0DATA PRESENTATION AND ANALYSIS

CHAPTER FIVE

4.0SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION

5.1Findings65

5.2Conclusion65

5.3Recommendation67

BIBLIOGRAPHY 75

APPENDIX77

QUESTIONNAIRE

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AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)

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