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