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LIST OF TABLE

1. Administration of Questionnaire
2. Sex Distribution of Respondents
3. Educational qualification of respondents
4. Whether respondents are staff of union Bank of Nigeria Plc.
5. Category of Respondents.
6. Transactions of union Bank of Nigeria Plc with its customers.
7. Whether the principal objective of Bank lending is to generate revenue.
8. Whether inefficient management portfolio is a fundamental problem of distressed banks
9. Whether the prudential guidelines has improved the asset quality of banks.
10. Whether lending increases profitability of the bank.
11. Whether loan-deposit ratio affects the liquidity position of  commercial banks.
12. Whether total lending and total classified non-performing advances has any relationship.
13. The effects of classified advances on the profitability of the bank.
14. Whether classified debts have any relationship with the security obtained for the loan granted
15. Whether non-performing credits depend on loan recovery process.
16. Management of loans and advances in union bank of Nigeria Plc.
17. Non-performing credits and its relationship with secured lending.

 

 

 

 

TABLE OF CONTENTS

CHAPTER ONE

1. Introduction                                                                                      1
   1. Background of the Study                                                        1
   2. Statement of the Problem                                                        6
   3. Purpose of the Study                                                     6
   4. Scope of the Study                                                                  7
   5. Significance of the study                                                         7
   6. Hypothesis                                                                    8
   7. Definition of Terms                                                        9

CHAPTER TWO

1. Review of Related Literature                                                   11
   1. The role of commercial Banks in Nigeria Economy                11
   2. Causes of Non-performing accounts/ credits                           13
   3. Techniques though which banks can minimize              15
   4. The purpose and importance

of commercial banks in Nigeria.                                    20

1. The positive impacts of the prudential guideline

on Nigeria banking industry and the economy.             23

          2.6     Historical background of union                                               26

CHAPTER THREE

RESEARCH METHODOLOGY                                                   29

1. The Design of the Study                                                                   29
2. Population of the Study                                                           29
3. Sample and Sampling Techniques                                           30
4. Instrument for Data Collection                                                         32
5. Validity Reliability of Instrument                                            33
6. Method of Data Collection                                                      33
7. Method of Data Analysis                                                                  35

CHAPTER FOUR

4.0   Data Presentation and Analysis                                                         3

CHAPTER FIVE

DISCUSSION OF RESULTS                                                                   61

1. Discussion of Findings                                                            61
2. Recommendation                                                                     64
3. Limitation of Study                                                                 65
4. Suggestion/ Area for further studies                                        65
5. Conclusion                                                                              66

          Appendix I                                                                              67      Appendix II                                                                                       6

 

ABSTRACT

          The purpose of this research is to examine the impact of credit management on commercial banks.   The introduction of the prudential guideline in banking industry, the volume and value of loans and advances classified into non-performing account ahs continued to increase in bank lending.  Obviously this has adverse effect on banks since it affects their cash flow and impair profitability.

          Most loans and advances go bad because of the inadequacy in credit management and recovery procedure of banks.  Appraisal of lending vis a vis the credit management of banks and the impact of the application of prudential guidelines on credit, form the major objective of this study.  Union bank of Nigeria Plc Okpara Avenue Enugu was used as a case study with a view to highlight the effectiveness, the adequacy or otherwise of the credit management policy of Nigerian commercial banks with a view to finding the causes and consequences of non-performing loans and advances.  The causes are excessive lending on security values and bad management of borrowers.  Having analysed the data, the following findings were made, the principal objective of bank lending is to generate revenue, the loan deposit ratio affects the liquidity position of commercial banks, non- performing account kept

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