THE IMPACT EFFECTIVE CREDIT DOCUMENTATION IN COMMERCIAL BANK
(A CASE STUDY OF FIRST BANK PLC KADUNA)
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ABSTRACT
The Impact of effective credit Documentation in commercial banks. The level and Magnitude of credit Mis-management has continued to increase in the financial system at an alarming rate, and very soon, the banks capacity to perform it’s traditional function of financial intermediation will be impaired and obviously, the real section of the economy will be adversely affected. It is in view of this fact that the need for this research exercise arose, taking a through look into the scene of “portfolio management problems in commercial Banks” with first bank Plc Kaduna branch as case stitches. The research exercise states from chapter one with the statement of general problems, objectives, significant, scope limitation and delimitations, definition of terms, historical background of first bank and it’s organizational structure. Chapter two being the literature review dealt with issues like functions/debt management concept, etc. the central banks production guide lines for license banks also outline. chapter three (research methodology) discussed research methods with particular emphasis on the method employed for this research exercise these methods employed were also justified. Chapter four data presentation and methodology presents some adverse effect of credit mis-management, also the analysis of response gotten from the respondents sampled out for the purpose of this research exercise. Lastly, chapter five shows the whole event in summary form then concluded by mentioning the various recommendations on how to improve on credit management in commercial banks
CHAPTER ONE Introduction
1.0 Introduction – – – – – – – 1
- Historical background of the case study – – – – 3
- Statement of General Problems – – – – – 6
- Objectives of the study – – – – – – 8
- Significance of the Study – – – – – – 9
CHAPTER TWO – Literature Reviews
2.0 Introduction – – – – – – – – – 11
2.1 The concept of credit Management in Commercial banks 12
2.2 The Impact of Effective Credit Management on
Commercial bank – – – – – – – – 13
2.3 Credit Risk Management Strategy in Commercial Banks 15
2.4 The qualitative Procedures for Evaluating Commercial
Loan Proposal – – – – – – – – – 18
2.11 Summary of the Chapter- – – – – – 24
CHAPTER THREE – Research Methodology
3.0 Introduction – – – – – – – – 26
3.1 Research Methodology – – – – – – 26
3.2 Area of the Study- – – – – – – – 26
3.3 Population of the study – – – – – – 27
3.4 Sample Size and Sample Technique – – – 27
3.5 Sampling Technique and Justification – – – – 27
3.6 Research Instrument- – – – – – 27
3.6 Administration of Research Instrument- – – – 28
3.8 Validity and Reliability – – – – – – – 28
CHAPTER FOUR – Presentation and Analysis of data
4.0 Introduction – – – – – – – – 36
- Presentation of Data – – – – – – 36
- Major Findings- – – – – – – – 40
- Discussion and Summary of Findings- – – – 41
CHAPTER FIVE – Summary, conclusion and Recommendation
- Introduction- – – – – – – – – 43
- Summary – – – – – – – – – 43
- Conclusion – – – – – – – – 45
- Recommendations- – – – – – – – 45
Bibliography – – – – – – – – – 47
Appendix – – – – – – – – – 48
CHAPTER ONE
1.0 Introduction
Credit generally denotes loans and advances made either directly or indirectly by a creditor (lender) to a debtor (borrower) on the principles of different payment. The banks as a lender, provides credit facilities by making funds available to customers in agreed terms and condition of payment. The gain of this credit to the bank is supposed to be huge profit instead of this over the year, modern banks (particularly commercial banks) have been recording huge amount of bad debt provision which increase with each consecutive.
The term credit is the granting of money (loans) and advances to borrowers with the general expectation that they would honour their obligation to repay the fund with or without interest when due.
Credit is the means by which we are able to obtain immediate benefit of goods and services upon the promise of payment at a future date.
One of the main reasons for obtaining credit is that money which is our recognized unit of exchange is kept in relative short supply and although we may have enough credit for those items which we require but can not immediately afford and as these problems is not confined to individuals. A banks objective is to make money and one of the methods used to achieve this is by loans.
However, loans are only granted to those whom they have every confidences in and then as often as not, demand some form of security. The motive for leaning money is therefore to acquire profit for themselves and not out of favour to the customer. Although, we are not able to adopt such stringent attitudes, our motives for granting credit must be the same.
It is however, dishearten to note that not withstanding the level and magnitude of impact that the banks have on economy in terms of importance which is unarguably immense. Whenever money is always certainly a risk of not getting it back from such customers. It is this (non-payment of loan) that has made it necessary for this research to go into the area of credit management.
The impact of effective credit management as a process is very essential for banks because poor credit revaluation leads to poorly unstructured loans facilities that reduce the profitability and liquidity of the bank.
- Historical Background of the Case Study
First bank of Nigeria Plc is a leading banking institution in Nigeria with over a hundred years of banking experience, founded in 31st march1894 by a shipping magnate from Liverpool, sir Alfred Jones. It commenced as a small business bank in the office of elder Dampster and co. in Lagos.
Today, first bank of Nigeria Plc has diversified into a wide range of network of banking activities and services including commercial, merchant and international banking. And has become appetent factor in the development of the country.
It was incorporated as Limited Liability company in London, with it’s head office in Liverpool under the corporate name “Bank of British West Africa; with a paid up of twelve Thousand Pounds sterling (£12,000)