ABSTRACT
This study seeks to study the bank lending functions in Nigerian banks, with a view to ironing out the factors militating against the attainment of sound lending which contribute in no small measure to the non-recovery of loans. Investigating the extent to which ratio analysis assist bank managers in their decision in lending. Bank lending is merely the assessment and evaluation of bankable proposition with the objective of extending credit facilities on terms and conditions acceptable to both lender and borrower. The rationale behind bank lending is presumably the desire to attain social and economic objectives for the society and profit for the banks.
Over the years, there has been a transition from an era of paper profits to an era of losses. In fact, many banks no longer lend delinquent debtors to honour their obligations. All these and many more are discussed in this project because one of the most important tasks of ratio analysis is assisting the financial managers to achieve efficiency through the provision of suitable financial information.
In carrying out the above mentioned functions, research questions were used in analysis formulated. Relevant tables were built on the data collected and percentages were used in analysizing the data. The hypothesis which states that “RATIO ANALYSIS does not help financial managers or does not serve as a lending too” was tested from the responses and found to be wrong. Based on the findings, some recommendations were put forward which, if adopted will go a long way in enhancing the effectiveness and reliability of using ratio analysis in evaluating the financial performance of a given institution in a given period before lending.
TABLE OF CONTENTS
Title page
Approval page
Dedication
Acknowledgement
Table of Contents
Abstract
Preface
Proposal
CHAPTER ONE:
1.0Introduction
1.1Background of the study
1.2Statement of problems
1.3Objectives of the study
1.4Significance of the study
1.5Scope and limitations of study
1.6Hypothesis of the study
1.7Brief history of the Union Bank of Nig. Plc
1.8Definition of Terms
CHAPTER TWO:
2.0Literature Review
2.1Concepts of Bank lending
2.2Objectives of Bank lending
2.3Basic principles of lending
2.4Constraints/Problems of lending
2.5Purposes of Ratio Analysis
2.6Profile of Union Bank
2.7Objectives/Functions of Union Bank
2.8Achievements/Challenges
CHAPTER THREE:
3.0Research Design and Methodology
3.1Introduction
3.2Sources of data
3.3Research population
3.4Primary and Secondary Data
3.5Sampling Method used
3.6Sample Plan and Sample Size
3.7Questionnaire Design
3.8Description of Respondents
3.9Method of Data Analysis
CHAPTER FOUR:
4.0Data presentation and analysis on findings
4.1Data presentation
4.2Data analysis
4.3Interpretation of results
4.4Test of hypothesis
CHAPTER FIVE:
5.0Summary/Recommendation and Conclusion
5.1Discussion of findings
5.2Conclusion
5.3Recommendations
Bibliography
Appendix