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TOWARDS EFFECTIVE AND EFFICIENT LOAN PORTFOLIO MANAGEMENT IN NIGERIAN COMMERCIAL BANKS: A STUDY OF SAVANNAH BANK (NIG) PLC AND HABIB NIGERIA BANK LTD
Apart from fraud, one of the greatest problem facing most banks in Nigeria today is debts, (non-performing debts or loans, bad and doubtful debts). Usually these are loans and advances that were given to customers with the full assurance backed by guarantee that they would be repaid back as soon as the businesses were completed and payment made to the bank debtors. The commercial banks have been the major energisers of economic growth and development in Nigeria. Monetary policies which the government has been alternating and sometimes combined with fiscal policies to extricate the country from economic crisis has been implemented, especially, through commercial banks. To be able to pursue this towards ensuring systematic economic, industrial and socio-political development, the banks need enough funds to support lending • to various individuals and corporate customers, so when most of the loan facilities granted become “hard core”, commercial banks are not able to fulfil perfectly this responsibility and their continuous existence is threatened. The research study, therefore, focused on the efficient and effective management of loan portfolio in Nigerian commercial banks, using Savannah Bank Nigeria PLC and Habib Nigeria Bank Limited, as case study. The study was carried out through administration of questionnaires to employees of the banks in the loans and advances department, through their area and branch offices. The aim of the study has been to find out how the banks manage their loan portfolio, the major causes of bad and doubtful debts, and the control measures taken by the banks to minimise the level of such bad and doubtful debts. The study has shown that efforts toward recovery of substantial portions of such debts becomes imperative and compelling on the banks. It also revealed the manner in which loan facilities are granted and treated by the banks employees. Additional measures that could aid recovery of loans and minimise emergency of new bad and doubtful debts have been identified and recommended for adoption by our commercial banks.
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
