AN OVERVIEW OF THE RISKS ASSOCIATED WITH BANK LENDING IN THE BANKING SECTOR

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ABSTRACT
An overview of risk associated with bank loading in the banking sector is a topic Chosen from the financial field.
The purpose of this research work is to identify the factors and effect of risk in the financial institutions with special reference to banks.
This research work will expose us to:
1. Find out the extent to which risk of lending constituted major problems.
2. find out the extent to which risk is associated with lending in the banking sector.
3. Find out the need for effective & efficient of risk in the growth of banks.
4. Find out the need for effective & efficient analysis of risk inherent in bank lending.

TABLE OF CONTENT

TITLE PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
ABSTRACT
TABLE OF CONTENT.

CHAPTER ONE
1.0 INTRUDUCTION
1.1 BACKGROUND OF THE STUDY
1.2 STATEMENT OF PROBLEMS
1.3 PURPOSE/OBJECTIVE OF THE STUDY
1.4 RESARCH QUESTIONS
1.5 STATEMENT OF STUDY
1.6 SIGNIFICANCE OF STUDY
1.7 SCOPE, LIMITATIONS AND DELIMITATIONS
1.8 DEFINITIONE OF TERMS.
REFERENCE
CHAPTER TWO
2.0 LITERATURE REVIEW
2.1 NATURE AND DIMENSIONS OF RISKS
2.2 FUNCTIONAL DEFINITION OF RISK
2.3 RISKS MANAGEMENT
2.3.1 RATIONAL FOR BANK WODE RISK MAMAGEMENT
2.3.2 TYPES OF BANK RISKS
2.4 RISK AND UNCERTAINLY
2.5 BANKS & RISK OF LENDING
2.5.1 THE CONCEPT OF CREDIT RISK
2.5.2 THE CREDIT RISK IDENTIFIACTION
2.5.3 CREDIT RISK ASSESSEMENT
2.5.4 CLASSIFIACTION & HANDLING OF RISKS.
2.6 FRAMEWORK FOR LENDING
2.6.1 LENDING PRINCILES
REFERENCES.
CHAPTER THREE
3.0 RESEARCH DESIGN AND LETHODOLOGY
3.1 RESEARCH DESIGN
3.2 AREA OF STUDY
3.3 POPULATION
3.4 SAMPLE AND SAMPLING TECHNIQUE
3.5 INSTRUMENT FOR DATA COLLECTION
3.6 METHODS OF DATA PRESENTATION
3.7 TECHNIQUE OF DATA ANALYSIS
REFERENCES.
CHAPTER FOUR
4.0 DATA PRESENTATION AND ANALYSIS
4.1 DESIGNS AND FEATURES OF FINANCIAL REPORTS IN THE

BANKING SECTOR.
4.2 ASSESSMENT OF INSTITUTIONAL STRUCTURE FOR RISKS
MANAGEMENT.
4.3 PRSENTATION OF DATA ANALYSIS
4.4 TEST OF HYPOTHESIS
REFERENCES
CHAPTER FIVE
FINDINGS, RECOMMENDATION AND CONCLUSION
5.0 SUMMARY OF FINDINGS
5.1 RECOMMENDATIONS
5.3 CONCLUSION
REFERENCES.
BIBLOGRAPHY

CHAPTER ONE
1.0 INTRODUCTION
1.1 BACHGROUND OF THE STUDY
Banking can be aptly described as a high-risk business. For this reason a lot of attention is directed at risk management in banking. The need of such emphasis on risk management becomes even more urgent as banks go apple with large volumes of non-performing assets. This thinking is shared by Rose (1987:54), who points out that while the 1950s focused on techniques for the management of banks assets and the 1960s and 1970s emphasized liability management banking in the eighties was concerned with risk-how to measure risk and how to control risk for the betterment of banks and its customers. This view of risk remains true and on issue for bank management in the lending functions.

It is obvious that the subject matter of “risk” assume considerable importance in determing business success and failures, especially in banking of course, the conventional approach to appreciating that fact in financial management is often linked to inverse between the plausible business outcomes, a high risk heads to more profit value and vice versa.

In banking strictly speaking, we can extend this argument to imply that the more a bank achieves and retains liquidity (less risk) the less it gains in profitability (less returns).
Unfortunately, Uncertainty-another variable also affects business outcomes is not easily understood as in the case of ‘risk” yet we must reckon with the decisive dicey and irrational subjective chances, what do we exactly mean by the term “risk” and “uncertainty”? The answer to these questions forms the basis for the discussion of the overview, which comprise of impact and implications of the term for bank management.

1.2 STATEMENT OF PROBLEMS:
The risk of lending can be innumerable sometimes intractable. But there are also riskless loan in the sense that such loans are more than 100% cash collateralized In any case, the number characteristics of risk can only be analyzed meaningfully in the content of specified loans.

For this reason clearing the lending doubts begins with:-
1. Risk identification
2. Discovering and knowing the risk including their structure and incidence.
3. Enabling financial analyst identify in his credit report that a particular loan request can be associated with certain risks.
4. Enable the analysts conceivably identify and give an indication of their nature (risk) and characteristics.
5. Idently and integrating risk