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THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES 

 

PROPOSAL

THE APPRAISALS OF COMMERCIAL BANKS

SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES

          Commercial bank is a financial institution or banks that specialized in keeping money and other valuable safely and in granting short term loans, Advances to individuals and corporate bodies.

          This project topic in chapter I will state the introductory aspects of commercial bank and their ability to influence economic activities through creation and distribution of loans and advances to their customers being the preferred and less preferred sectors of economy.

          Chapter 2 will base on the evolution of commercial banks, their functions and the C.B.N. guidelines towards the distribution of loans and advances to the various sectors.  It will also state the objectives of commercial banks towards the distribution of loans and advances which is profit maximization.

          Chapter 3 will be the method which I will use on the research topic which is secondary data like Newspapers, textbooks and Journals for more information needed for the topic and for the topic to be well emphasize so that I will benefit from the information.

          In chapter 4. I will discuss the findings towards the topic like the solutions of the problems that will be encounter by Commercial Banks.

          Chapter 5 will discuss on the concluding aspects or parts of the topic which means how Commercial Bank should abide by the rules and regulation guiding them when lending which will put inflation to an end in our economy.

 

TABLE OF CONTENTS

CHAPTER ONE

1. INTRODUCTION                                                         1

1.1    BACKGROUND OF THE STUDY                    1

1. STATEMENT OF PROBLEM                           3
2. OBJECTIVES OF STUDY                                4
3. SIGNIFICANCE OF THE STUDY                    4
4. LIMITATIONS OF THE STUDY                       4

 

 

CHAPTER TWO

REVIEW OF RELATED LITERATURE

1. HISTORICAL DEVELOPMENT OF COMMERCIAL BANKING IN NIGERIA                                             6
2. STRUCTURE OF THE NIGERIAN

COMMERCIAL BANKS                                    10

1. FUNCTIONS OF COMMERCIAL BANKS      12
2. LOANS AND ADVANCES BY COMMERCIAL BANKS16
3. LOAN AND ADVANCES TO PREFERRED AND LESS PREFERRED SECTOR                                      20
4. IMPORTANT OF LOANS AND ADVANCES TO THE PREFERRED                                                         20
5. FACTORS THAT AFFECT GRANTING OF LOANS22

REFERENCES                                                  23

 

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY

1. SOURCES OF SECONDARY DATA              26
2. LOCATION OF DATA                                       26
3. METHODS OF DATA COLLECTION              27

 

CHAPTER FOUR

FINDINGS                                                                    28

 

CHAPTER FIVE

RECOMMENDATION AND CONCLUSION             30

BIBLIOGRAPHY                                                                   32

 

CHAPTER ONE

INTRODUCTION

1.1              BACKGROUND OF THE STUDY

 

          I got interested in the topic of this project owing to the fact that the preferred sector of the economy is being marginalized in its attempt to secure loans and advances from the Commercial Banks.

          The Commercial Banks with their ability to influence economic activities through the creation and distribution of money has become the major focus of monetary activities.

          The Central Bank of Nigeria has through the years sought ways and means of mobilizing funds for the development of the country’s economy.

Though equipped with various instrument of controlling and directing credit, the Central bank has found the method of credit guidelines most effective in directing credit to specified sectors of the economy.

          Thus, the government has through the Central Bank succeeded in directing the Commercial Banks sectoral distribution of loans and advances.  It is not always easy to set guidelines and expect full compliance.  Guidelines have always been set to achieve certain objectives and the achievement of such objectives are always dependent upon full compliance by those affected by the guidelines. 

The Central Bank of Nigeria guidelines on sectoral distribution of loans and advances are aimed at developing the productive sectors of the country’s economy as well as curbing price inflation.

          The Commercial Banks who are expected to follow the Central Banks guidelines have their corporate objectives of making profits, the Commercial Banks have auxiliary objectives of meeting the demands of their shareholders, customers and government.

          Therefore, the research problem rests on whether the Commercial Banks will be able to show full compliance with the Central Banks guidelines in the light of the risk involved and the lending rate prescribed for lending to the preferred and less preferred sectors of the economy.

 

1. THE OBJECTIVES OF THE STUDY

 

          The objectives of this research project can be stressed as follows:

1. To find out whether the Commercial Banks give out loans and advances to the preferred sectors of the Nigerian economy.
2. To find out whether the Commercial Banks give out loans and advances to the less preferred sector of the Nigerian economy.
3. To find out what makes up the preferred and less preferred sectors of the Nigerian economy.

 

 

1. SIGNIFICANCE OF THE STUDY

 

          This research project will be of immense benefit to the academic world in the sense that it will stimulate future research.

          It will equally be of immense benefit to the federal government of Nigeria in the sense that the activities of Commercial Banks affect the economy as a whole.

          The study will also be of advantages to the business world and customers who wish to know why they are not given long term loan as requested by them.

 

1. LIMITATIONS OF THE STUDY

 

          The study into Commercial Banks sectorial distribution of loans and advances is an inexhaustible one but the researcher could not be able to achieve much as she liked due to time constraint.

          Another limitation is lack of statistical data.  All the necessary data required for this research project would not be brought owing to non availability and also the reluctant attitude shown by some workers in the places where these data were to be collected.