AN ASSESSMENT OF BANK DEPOSITS AND THEIR IMPACT ON LENDING POLICY (A Case Study of Intercontinental Bank Plc, Kaduna)

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AN ASSESSMENT OF BANK DEPOSITS AND THEIR IMPACT ON LENDING POLICY

(A Case Study of Intercontinental Bank Plc, Kaduna)

ABSTRACT

This research work was undertaken to assess the bank deposits and their impact on lending policies. This work was intended to achieve the following objectives: to apprise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence bad debts of money. Deposit banks. Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed while data from various relevant publications constituted the source secondary data. Upon the analysis of data, the following conclusion were drawn; that sound lending requires a clear-well articulated and easy accessible policy documents which spells out the philosophy of lending. On the basis of the above findings, it was recommended that banks should ensure that loans given out to customers should be backed-up with adequate collateral security. Finally, it is the opinion of the researcher that the management of bank deposit should prevent the incidence of bad debts in Nigerian banks.

TABLE OF CONTENT

Title Page - - - - - - - - - - - i

Declaration - - - - - - - - - - ii

Approval Page - - - - - - - - - - iii

Dedication - - - - - - - - - - iv

Acknowledgement - - - - - - - - - v

Abstract - - - - - - - - - - - vi

Table of Content - - - - - - - - - vii

CHAPTER ONE: INTRODUCTION

1.1 Background of the study - - - - - - 1

1.2 Statement of the problem - - - - - - - 2

1.3 Objectives of the study - - - - - - - 6

1.4 Research question - - - - - - - - 7

1.5 Significance of the study

1.6 - - - - - - - 8

1.7 Scope of the study - - - - - - - 10

1.8 Historical Background of the case study - - - - 10

1.9 Definition of terms - - - - - - - - 21

CHAPTER TWO: LITERATURE REVIEW

2.1 Relevant Concepts and Theories - - - - - - 23

2.2 Lending Principles and Practice - - - - - - 26

2.3 Lending Policies and Bank Managers - - - - - 30

2.4 Security for Bank Managers - - - - - - - 31

2.5 Lending Process at Intercontinental Bank Plc. - - - 34

2.6 Achievement of Intercontinental Bank through Lending - - 37

2.7 The Impact of Money Deposit Bank - - - - - 39

CHAPTER THREE: RESEARCH METHODOLOGY

3.1 Research Methodology - - - - - - - 42

3.2 Population and Sample Size - - - - - - 43

3.3 Sampling Techniques - - - - - - - 43

3.4 Sources and Method of Data Collection - - - - - 44

3.5 Method of data Analysis - - - - - - - 46

3.6 Justification for the choice - - - - - - - 46

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS

4.1 Data presentation and analysis - - - - - - 48

4.2 Data Analysis and Interpretation - - - - - - 48

4.3 Summary of Findings - - - - - - - - 52

CHAPTER FIVE: SUMMARY CONCLUSION AND RECOMMENDATION

5.1 Summary - - - - - - - - - - 54

5.2 Conclusion - - - - - - - - - 55

5.3 Recommendations - - - - - - - - 56

References - - - - - - - - - 58

Questionnaire

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