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.
TABLE OF CONTENTS
Title page
Approval page
Dedication
Acknowledgement
Table of contents
List of tables
Abstract
CHAPTER ONE
1.0 Introduction
1.2 Background to the study
1.3 Statement of the problem
1.4 The objective or purpose of the study
1.5 Scope or delimitation of the study
1.6 Research questions
1.7 Significance/ rativenaire of the study
1.8 Definition of terms
CHAPTER TWO
2.0 Review of literature
Summary of Related reviewed literature
CHAPTER THREE
3.0 Methodology
3.1 Research design
3.2 Area of study
3.3 Population of the study
3.4 Sample and sampling procedure
3.5 Instrument for data collection
3.6 Validation of the research instrument
3.7 Reliability of the research instrument
3.8 Method of administration of the research instrument
3.9 Method of data analysis
CHAPTER FOUR
4.0 Data presentation and results
Summary of results/findings
CHAPTER FIVE
5.0 Discussion, implication, recommendation
5.1 Discussion of results
5.2 Conclusion
5.3 Implications of the result
5.4 Recommendations
5.5 Suggestions for further research
5.6 Limitation of the study
Reference
Appendix
LIST OF TABLE
1 Questionnaires I table 4.1.1
2 Questionnaires II table 4.1.2
3 Questionnaires III table 4.1.3
4 Ten year financial statement summary table 4.1.4
5 Profit/loss loans and advances recovery and provision for bad and doubtful debt table 4.1.5
6 Analysis of five year financial summary (1999 – 2003) table 4.1.5