CHAPTER ONE
INTRODUCTION
1.1 Background of the Study
Essentially, banks originally emerged as deposit takers. They eventually metamorphosed into intermediates of funds and thereby started assuming credit risk. Credit, thus, became the business of banking, and the primary basis on which a bank’s quality and performance are judged. Empirical studies of banking crises all over the world have shown that poor assets quality (predominantly loan) has been the most frequent factor in bank failures. Stuart (2005) emphasized that the spate of non-performing loans, is as high as 35%. Table 1 shows the ratio of nonperforming credits (NPC), to total loans and advances (L and A) in Nigerian Commercial Banks between 1999 and 2009. Umoh (1994) traced the rising non-performing loans’ ratio in banks’ books to poor loan processing, undue interference in the loan granting process, inadequate or absence of loan collaterals, among other things, which are all linked with poor and ineffective credit administration. In essence this paper focuses on the concept of credit, evaluation of credit and recovery processes.
The paper is divided into five sections, comprising the introduction, review of literature, evaluation and rating of credits, liquidity and credit management and finally, conclusion and recommendations. 1.2 Statement of the Problem Liquidity and credit management have implication on bank profitability and the authorities’ depositors and shareholders. It could trigger o mass cash withdrawal thus plunging the bank into deeper crisis.
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