ABSTRACT
The purpose of this research is to examine the impact of credit management on commercial banks. The introduction of the prudential guideline in banking industry, the volume and value of loans and advances classified into non-performing account has continued to increase in bank lending. Obviously this has adverse effect on banks since it affects their cash flow and impair profitability. Most loans and advances go bad because of the inadequacy in credit management and recovery procedure of banks. Appraisal of lending vis a vis the credit management of banks and the impact of the application of prudential guidelines on credit, form the major objective of this study. Union bank of Nigeria Plc Okpara Avenue Enugu was used as a case study with a view to highlight the effectiveness, the adequacy or otherwise of the credit management policy of Nigerian commercial banks with a view to
finding the causes and consequences of non-performing loans and advances. The consequences causes upon this, the researcher employed a population size of 500 Staff Bank Plc, Okpara Avenue, Enugu made up of the management accounting and administrating staff of the bank. The
population sample randoming selected is 119 staff of the bank. The researcher also employed simple percentage frequency statistical to
analysis of the data collected. The researcher finding show that there exist policy frame work fork for credit management in Commercial Bank in
Nigeria, the problem however has been problem execution and fellow up. It is the recommendation of the researcher that lip services should not
be the practices in credit management of the Commercial Bank should ensure diligent and prudent credit management in the Banking Industry.
TABLE OF CONTENTS
Title Page ii
Approval page iii
Dedication iv
Acknowledgement v
Table of Content vi
Abstract ix
CHAPTER 1; INTRODUCTION
Background of the Study 1
Statement of the Problem 6
Purpose of the Study 7
Scope of the Study 7
Significance of the study 7
Hypothesis 8
Definition of Terms 9
CHAPTER 2: REVIEW OF RELATED LITERATURE
The role of commercial Banks in Nigeria Economy 11
Causes of Non-performing accounts/ credits 13
Techniques though which banks can minimize 15
The purpose and importance of commercial
banks in Nigeria 20
Historical Background of Union 27
CHAPTER 3: RESEARCH METHODOLOGY
The Design of the Study 29
Population of the Study 29
Sample and Sampling Techniques 30
Instrument for Data Collection 31
Validity Reliability of Instrument 33
Method of Data Collection 33
Method of Data Analysis 34
CHAPTER 4: DATA PRESENTATION AND ANALYSIS 36
CHAPTER 5: DISCUSSION OF RESULTS
Discussion of Findings 60
Recommendation 63
Limitation of Study 64
Suggestion/ Area for further studies 64
Conclusion 65
Appendix I
Appendix II 68
