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MANAGEMENT OF CREDIT FACILITIES IN COMMERCIAL BANK (A CASE STUDY OF FIRST BANK PLC UGELLI MAIN BRANCH DELTA STATE). A RESEARCH PROJECT MATERIAL ON BANKING AND FINANCE

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MANAGEMENT OF CREDIT FACILITIES IN COMMERCIAL BANK (A CASE STUDY OF FIRST BANK PLC UGELLI MAIN BRANCH DELTA STATE). A RESEARCH PROJECT MATERIAL ON BANKING AND FINANCE

ABSTRACT

Credit management facilities, the never centre of all commercial banks operations and in its efficiency guarantees, the ability to mobilize deposit and allocate such finds to customers when have need for them.

            This research work examined the credit facilities and loans management of First bank of Nigeria Plc Ughelli main branch Delta state with a view to ascertain the causes of loan failure, types of securities needed, importance of collecting securities from the prospective borrowers etc and time of loan maturity.

The findings from analysis show that first bank of Nigeria plc (delta state) recorded impressive results in the normal business operation due to the increase in assets, high deposits a vary in the credit management.

In conclusion, it was recommend that lending officers should be trained, customers, should be educated management should be flexible in the speculations of its credit management facility or policy in order to absorb the unpredictable posture of government monetary policy guidelines. Also avoid delays infestation arising from failure to secure bank facilities customers should be given current bank credit policies guidelines.

 

CHAPTER ONE

INTRODUCTION

1.1              BACKGROUND OF THE STUDY

First bank of Nigeria plc commenced banking in Nigeria 1894, after its corporation as a limited liability company in London 31st March of the same year.

The bank name was change to First bank of Nigeria plc as a result of significant event for over  100 yrs following the companies and allied matter act cp 54, in 1990 and incompliance with the requirements of section 31.

In Delta state, the bank has provide numerous customers across the state with the following commercial, banking services eg current, saving, deposit accounts (fixed and short) loans and over draft. Since inception and quantities services to its client. The bank has expanded over the years and at present, it operate twelve (12) branches throughout the state.

Management credit and lending is the essences of commercial banking because it is through that, commercial banks contribute to the stability and growth of the economy thereby raising the standard of living of the population loans and advances constitutes the most riskily assets in the investment portfolio and contribute higher retires than assets.

 

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MANAGEMENT OF CREDIT FACILITIES IN COMMERCIAL BANK (A CASE STUDY OF FIRST BANK PLC UGELLI, MAIN BRANCH DELTA STATE). A RESEARCH PROJECT MATERIAL ON BANKING AND FINANCE

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