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 Page i
Title Page ii
Approval Page iii
Dedication iv
Acknowledgement v
Table of Contents vi
Abstract vii
CHAPTER 1: INTRODUCTION
Background of the Study 1
Historical Background of the Study 9
Purpose of the Study 18
Aims and objective of the Study 29
Significant of the Study 30
CHAPTER 2: REVIEW OF RELATED LITERATURE
Introduction 31
Share Capital 32
Ordinary shares 33
Loan stock and Debentures 35
CHAPTER 3: RESEARCH DESIGN AND METHODOLOGY
Introduction 41
Description of Research 41
Description of Population 42
Sample of the Study 43
Description of Investigation Technique 43
Data Analytical Procedure 47
CHAPTER 4: PRESENTATION OF DATA
Introduction 48
Analysis of Data 64
Interpretation of Data 66
Testing and Prove of Hypothesis and Findings 67
CHAPTER 5: SUMMARY, CONCLUSION AND RECOMMENDATION
Summary 75
Conclusion 77
Recommendation 78
References 83
Appendix
