THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)

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ABSTRACT

This research work sought to evaluate the sourcing and application of funds on Commercial Banks in Nigeria using Access Bank Plc Ogui Road, Branch Enugu as a case study. The importance of prudent sourcing and application of funds in every business enterprise particularly the banking industry cannot be overemphasized. It is in this regard that the researcher went about his quest. The researcher employed the personal interview. Observation and documentary instrumentations in data collections. From the information and data sources, via the bank financial statements and records, the researcher was able to find out that though, the bank maintaining a sound sourced and application of fund policy, they still need to do more in view of the fact that sourcing and application of funds is a going process which needs to be reviewed and restructured from time to time to meet the yearning for prudent financial management and growth. The researcher therefore is of the view that the bank management should evolved better deposit, lending and other like financial services policies such that the bank is able to provide the desired services to the public and other economic units and also ensure prudency, particularly in its lending sourcing and application of fund generally.

TABLE OF CONTENTS

Cover Pagei

Title Pageii

Approval Pageiii

Dedicationiv

Acknowledgementv

Table of Contentsvi

Abstractvii

CHAPTER 1: INTRODUCTION

Background of the Study 1

Historical Background of the Study 9

Purpose of the Study 18

Aims and objective of the Study29

Significant of the Study30

CHAPTER 2: REVIEW OF RELATED LITERATURE

Introduction31

Share Capital32

Ordinary shares33

Loan stock and Debentures35

CHAPTER 3: RESEARCH DESIGN AND METHODOLOGY

Introduction41

Description of Research41

Description of Population42

Sample of the Study43

Description of Investigation Technique43

Data Analytical Procedure47

CHAPTER 4: PRESENTATION OF DATA

Introduction48

Analysis of Data64

Interpretation of Data66

Testing and Prove of Hypothesis and Findings67

CHAPTER 5: SUMMARY, CONCLUSION AND RECOMMENDATION

Summary75

Conclusion77

Recommendation78

References 83

Appendix

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THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)

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