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CREDIT ADMINISTRATION AND REALIZATION OF SECURITY IN NIGERIAN BANKS: A CASE STUDY OF AFRIBANK NIGERIA PLC
ABSTRACT
Over sixty percent of a bank earning is derived from the interplay of activities
surrounding its loans and advances portfolio.
The quality of these on their balance sheets over time portrays the growth and health of
the bank. An abuse on this very important source of earning has been responsible for the
collapse of financial institution that hitherto have been considered to be very vibrant. It is
very important that such financial institution put in place structures that will protect
expositors funds and avoid the lost of confidence in the system. They should also be seen
to play their secondary role as channel through which government execute its monetary
policies.
These concern prompted this study which has been able to reveal that good credit
administration in banks is a very essential requirement in lending business and that bad
and doubtful debt on the balance sheets of a bank can greatly reduced through the use of
will trailed credit officers who are versed in this aspect and loans go bad as a result of
unforeseeable factors, it could be recovered if security was well constituted.
The bank we have narrowed our study on has continued to grow with time. The secret
about their success story has been revealed by the study lies on the solid credit
framework under which they have established and adhere religiously to.
The findings in this research work therefore are to serve as a safe highway on which other
banks will drive to prosperity.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
CREDIT ADMINISTRATION AND REALIZATION OF SECURITY IN NIGERIAN BANKS: A CASE STUDY OF AFRIBANK NIGERIA PLC
