THE IMPACT OF ACCOUNTING INFORMATION ON BANK LENDING DECISION.

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CHAPTER ONE
1.1 Background of the study 1
1.2 Statement of problem 5
1.3 Objective of study 5
1.4 Significance of the study 6
1.5 The scope of study 6
1.6 Definition of terms 6
Reference 8
CHAPTER TWO
Review of related literature 9
2.1 Definition of accounting information 9
2.2 Forms of financial accounting information 11
2.3 Union bank as users of financial accounting 12
2.4 Union banking lending 13
2.5 Basic principles and canrons of lending 14
2.6 Lending decision 16
2.7 Lending procedures 17
2.8 Role of financial accounting information
in bank lending decision 20
Reference 23
CHAPTER THREE
Research design and methodology 24
3.1 Source of data 24
3.2 Location of data 25
3.3 Method of data collection 25
Reference 26
CHAPTER FOUR
4.1 Research Finding 27
Reference 29

CHAPTER FIVE
Conclusion and Recommendation 30
5.1 Conclusion 31
Bibliography 32
CHAPTER ONE

1.1 BACKGROUND OF THE STUDY
All the information necessary in the business are being summarized in the Accounting Records to ascertain the efficing and effectiveness of all the business enterprises though the process of accounting.
Accounting may be defined as a set of Rules and Methods by which financial and economic data an collected processed and summarized into report for decision making.
In using data presented to them by customer for the purpose of leveling the bank is interested in financial Accounting Information which enable it reach an initial lean decision and also helps it to monitor progress after the advice has been made.
These information are those that deal with solvency, liquidity and profitability these means obtaining information that will described the client’s financial stand and long term liability. Banks need three basic types of Accounting Information namely:
The score keeping information involves liability and investigation of variance for corrective actions. This is done by campaign expert results with elections implement ex-ante and useful in evolution state of planning.
It also concerned the control principles function of management by exception.
Moreover it bring out problems look into for collective actions.
The problem solving information is useful in the implementation shape of planning since it focuses on analyzing and recommending the best course of action among may courses. It is closely associated with management decision making process and consist of non-routine and ad-loc and special decision.
The objective of the most banking activity is to ensure effective.
Lending and as such lending has become the most important of banking operation. However lending forms the major segment to banking operation. As all known the important of lending in banks activity the needs for a judicious lending cannot be over emphasized. Loan request has to be properly appraised by considering the necessary financial accounting information required.
It is easy to issue out loan but not often so easy to recovers to loan. Banks usually take some risk when lending money. To ensure the safety of funds committed banks should create a framework. For dealing to have relevance information to the internal constraints of each bank e.g sectoral performance deposit basis existing exposure risk exposure and so on.
There are thus three basic principles that serves as guide to commercial bank lending Math. (1972) recommended the use of safety. Suitability and profitability, these consist of some other sub element known as the CANONS OF LENDING which involves purpose of loan amount, duration, repayment borrower and collateral security to ensure or good lending decision, these principles and canons of lending has to be followed vary strictly by the bank when lending.
The project will examine the extent to which the Union Bank. Have applied these accounting information in their lending operation. By nature of Banking business customers need to be critically scrutinized accessed before granting to them any loan proposals one of the criteria for assessing customer is by looking at the accounting information of the customers. In utilizing the data presented by the customers for the purposes of lending union banks are interested in accounting information which enables them to reach on initial loan decision and also help than to monitor progress. After the liquidity and profitability that is obtaining information that will described a firm financial stand and longterm viability.
Union Banks as users of accounting information would want to satisfy that the company will be able to meet the interest payment accruing during the period of the loan and repayment of capital sun of at the end of loan period other factors like short term loan are also considered by the bank before approving loan proposal to their customers. Union Bank will be interested in their estimate of their net cash flow over the next for months.
But for a long term loan or advance the bank will need to be convinced that the client is financially stable and that adequate profit will be earned through out the foreseeable future. The ability of the borrowers to repay both the capital and interest sum should be the bank is prime consideration.
1.2 STATEMENT OF PROBLEM
Lack of proper accounting information from loan applicant had made it difficult for the union bank to ascertain the instability of the applicant for the loan.
2. Reduction in incidence of bad debt many bank loan benefactors had not been able to repay their loans on schedule.
3. Improper accounting records by borrowers. This had posed problems to the bank and had been used as an index for evaluating bank loan applications.
4. The borrowers had no financial and economic