ABSTRACT
Lending is the most important activity of the Bank. It is the utmost activity of financial intermediation whereby fund mobilized from the surplus sector of the economy is judiciously redirected to the deficit sector, for investment purposes and economic growth of the country. However, this lending activity is frosted in many dangers especially that of default and delay in repayment. This is what prudential guidelines try to curtail by creating performing and non-performing credit portfolios. Various Banks equally respond to this by creating lending policies, detail what to do and how is to be done concerning their various credit portfolios in order to minimise their exposure. Skye Bank plc (formerly cooperative Bank plc Osogbo Branch) is our case study in this work and we shall examine some of these policies aim at reducing non performance credit by various corporate bodies and customers by enhancing the Bank’s profitability.
TABLE OF CONTENTS
Abstract
CHAPTER ONE
1.0 Introduction
1.1 Background of Study
1.2 Statement of Problems
1.3 Research Objectives
1.4 Research Question
1.5 Research Hypothesis
1.6 Scope of Study
1.7 Significance of study
1.8 Limitation of study
1.9 Definition of terms
CHAPTER TWO
2.0 Literature Review
CHAPTER THREE
3.0 Research methodology
3.1 Research Design
3.2 Population of study
3.3 Sampling Design and Procedure
3.4 Data Collection Instrument
3.5 Administration of Data Collection Instrument
3.6 Methods of data analysis
CHAPTER FOUR
4.0 Data Presentation and Analysis
4.1 Data Presentation
4.2 Test of Hypothesis
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendation
5.1 Summary
5.2 Conclusion
5.3 Recommendation
References
Questionnaire