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CREDIT MANAGEMENT IN COMMERCIAL BANKS A CASE STUDY OF UNITED BANK FOR AFRICA (UBA) PLC
Abstract
Lending Institutions occupy a central position in the nation’s financial system and are essential in the development process of the economy. By intermediating between the surplus and deficit spending units, banks increase the quantum of national savings and investments and hence national output. By granting credits, banks create money thus influencing the level of money supply which is an essential item in the growth of national income as it determines the level of economic activities in the country. For banks to be able to function effectively and contribute meaningfully to the development of a country, the Industry must be stable, safe and sound. Since early 1990s, the situation has been a far cry from the level of stability required. Consequently a number of commercial and merchant banks have failed owing to a number of reasons. One of these reasons is poor credit policies by the banks and in cases where good policies are in place such are never implemented faithfully. The regulatory authorities and the banks have each tried to devise policies to avoid the causes of failure. This study focuses on commercial banking and takes United Bank for Africa [UBA] Plc as a case study to appraise the banks credit management system in meeting the challenges posed by the instability in the economy. The study is divided into five chapters. Chapter One introduces the subject of the study stating the objectives and significance and problems observed. Chapter Two discusses review of Literature while Chapter Three reviews the UBA’s credit management system. Chapter Four shows presentation and analysis of data while Chapter Five deals with Findings, Conclusions and Recommendations. The major finding of this study is that for the period 1990 to 1999 die UBA Plc has improved in its financial intermediation function and has also reduced the incidence of loan losses in its operating results which by implication leads to an improvement in the quality of the loan portfolio.
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
