AN APPRAISAL OF DEPOSIT AND LENDING POLICIES IN NIGERIAN BANKS (A CASE STUDY OF ACCESS BANK PLC, KADUNA)

AN APPRAISAL OF DEPOSIT AND LENDING POLICIES IN NIGERIAN BANKS (A CASE STUDY OF ACCESS BANK PLC, KADUNA)

ABSTRACT

This research work was undertaken to assess the bank deposits and their impact on lending policies. This work was intended to achieve the following objectives: to apprise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence bad debts of money. Deposit banks. Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed while data from various relevant publications constituted the source secondary data. Upon the analysis of data, the following conclusion were drawn; that sound lending requires a clear-well articulated and easy accessible policy documents which spells out the philosophy of lending. On the basis of the above findings, it was recommended that banks should ensure that loans given out to customers should be backed-up with adequate collateral security. Finally, it is the opinion of the researcher that the management of bank deposit should prevent the incidence of bad debts in Nigerian banks.

TABLE OF CONTENTS

CHAPTER ONE

1. Background of the study  –       –       –       –       –       1
2. Statement of the General Problem   –       –       –       4
3. Objectives of the Study    –       –       –       –       –       5
4. Research Questions –       –       –       –       –       –       5
5. Significance of the study-        –       –       –       –       –       6
6. Scope of the study   –       –       –       –       –       –       7
7. Historical background of access bank     –       –       7
8. Definition of terms   –       –       –              –       –       12

CHAPTER TWO (Literature Review)

2.1 Introduction     –       –       –       –       –       –       –       14

1. Lending principle     –       –       –       –       –       –       16
2. Lending policies and bank managers       –       –       19
3. Security for bank lending –       –       –       –       –       19
4. Lending process at Access bank      –       —     –       22
5. Achievement of access bank through lending- –       24

2.7   Impact of bank deposit on lending policy –       –       26

AN APPRAISAL OF DEPOSIT AND LENDING POLICIES IN NIGERIAN BANKS (A CASE STUDY OF ACCESS BANK PLC, KADUNA)