TABLE OF CONTENT
Title page i
Certification ii
Dedication iii
Acknowledgement iv
Table of content vii-viii
CHAPTER ONE
1.0 Introduction 1-2
1.1 Statement of the problem 3-4
1.2 Aims and objectives 3-4
1.3 Scope of the study 4-5
1.4 Significant of the study 5
1.5 Limitation of the study 6
1.6 Research methodology 6
1.7 Research question 6-7
1.8 Definition of terms 7
CHAPTER TWO
2.0 Literature review 10-27
2.1 Prudential guideline analysis of effects of bad debt 28 -30
2.2 Implication of bad debt to organization staff customers and shareholders 30-33
CHAPTER THREE
RESEARCH METHODOLOGY
3.0 Introduction 34
3.1 Source of data collection 34-36
3.2 Methods of data collection 36-37
3.3 Methods of data analysis 37-38
CHAPTER FOUR
PRESENTATION ANALYSIS OF DATA
4.0 Introduction 39
4.1 Effect of recoveries on profitability of a bank 39-40
4.2 Analysis of recoveries to profitability 41-44
4.3 Recoveries strategies 44-47
4.4 Analysis of bad debt to loan and advances
portfolio 47-49
4.5 Analysis of bad debt to total assistant 49-51
CHAPTER FIVE
SUMMARY, CONCLUSION, RECOMMENDATION AND SUGGESTIONS
5.1 Summary 52-54
5.2 Conclusion 54-56
5.3 Recommendation and suggestions 56-58
Bibliography 59
1.0 INTRODUCTION
Banking operation is very important in the stating of any economy in the functions of commercial bank in an economic system is the transfer of funds from the surplus unit to the deficits units. The surplus unit provides the fund needed to the deficits unit for investment purposes, this is essential for economic growth of any country. The commercial bank are the intermediaries between the demand side and the supply side. Banks in the process of performing their code of financial intermediaries between surplus unit and deficit unit create deposit when a bank give out loan to a customer account with the amount involved. The credit to the customers account which has become now deposit which is allowable to the bank for further lending to their prospective borrowers.
Veronica, A (2021). An Investigation Into Effect of Bad Debt on Profitability Of Banks (A Case Study Of Union Banks Of Nigeria Ilorin). Afribary. Retrieved from https://afribary.com/works/an-investigation-into-effect-of-bad-debt-on-profitability-of-banks-a-case-study-of-union-banks-of-nigeria-ilorin
Veronica, Awogbemi "An Investigation Into Effect of Bad Debt on Profitability Of Banks (A Case Study Of Union Banks Of Nigeria Ilorin)" Afribary. Afribary, 15 Dec. 2021, https://afribary.com/works/an-investigation-into-effect-of-bad-debt-on-profitability-of-banks-a-case-study-of-union-banks-of-nigeria-ilorin. Accessed 01 May. 2024.
Veronica, Awogbemi . "An Investigation Into Effect of Bad Debt on Profitability Of Banks (A Case Study Of Union Banks Of Nigeria Ilorin)". Afribary, Afribary, 15 Dec. 2021. Web. 01 May. 2024. < https://afribary.com/works/an-investigation-into-effect-of-bad-debt-on-profitability-of-banks-a-case-study-of-union-banks-of-nigeria-ilorin >.
Veronica, Awogbemi . "An Investigation Into Effect of Bad Debt on Profitability Of Banks (A Case Study Of Union Banks Of Nigeria Ilorin)" Afribary (2021). Accessed May 01, 2024. https://afribary.com/works/an-investigation-into-effect-of-bad-debt-on-profitability-of-banks-a-case-study-of-union-banks-of-nigeria-ilorin