ABSTRACT
This project work An Assessment of Loans management in banking sectors a study of Union Bank of Nigeria Plc. Kaduna Branch. The study has been done in an attempt to explore the extent the Union bank Kaduan Branch has been controlling its credit system to the Central Bank of Nigeria. Credit guidelines in the development of the National economy.
Banks have generally been credited with and enviable image of being an important sources for capital development. This recognition is derived largely from assumed roles of most banking Institution in mobilizing various depot and channeling their towards profitable investment outlets to the extent that the size, type and level of such investments along with other complementary factors contribute to the improvements of National economy.
Some of the highlights in his project statement of the background of Union Bank Plc, statement of the general problems, objectives of the study, hypothesis, limitation and delimitations, significance, organization and definition of term.
The study includes a review of related literature on how commercial banks determine their lending powers, the CBN credit control and monetary policy over the banks. In addition the study includes types of securities and analysis of sectoral distribution of loans and advances.
The chapter three of the study terms loans and advances. However, it is hope that that the banks will pay more attention in granting loans to the productive sectors of the economy so as to make industrialization policy of the country a reality.
The researcher also has given useful recommendation that will aid and assist the development of banking system and the economy in general.
TABLE OF CONTENT
Title page
Dedication
Declaration
Acknowledgement
References
CHAPTER ONE
1.0Introduction
1.1Background of the study
1.2Statement of the problems
1.3Objectives of the study
1.4Research question
1.5Significance of the study
1.6Scope of the study
1.7Histroical background of the case study
1.8definition of terms
CHAPTER TWO
2.0Literature review
2.1Historical background
2.2commercial banks services
2.3commercial banks and Nigerian government
2.4classes of client/customers of Commercial banks
2.5lending service in commercial banks
2.6origin of bank lending
2.7credit guidelines
2.8determination of bank lending
2.9loan policies or lending policies
2.10appraising loan opportunities
2.11basic principles of bank lending
2.12problems of effective lending services
2.13prospect of bank lending
2.14the Central Bank involvement lending
2.15Reason for granting loan
2.16Advantages of loan and overdraft
CHAPTER THREE
3.0Research methodology
3.1Introduction
3.2method of data collection
3.3Population and sample size
3.4Sampling technique
3.5methods of data analysis
3.6Justification for the choice
CHAPTER FOUR
4.0Data presentation analysis and interpretation
4.1Introduction
4.2Data analysis and interpretation
4.3Summary of findings
CHAPTER FIVE
5.0Summary, conclusion and recommendation
5.1Summary
5.2Conclusion
5.3Limitation of the study
5.4Recommendations