AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)

ABSTRACT

As a result of inherent problem of Nigeria commercial Banks, the researcher aim to study “credit delinquency” with a target of improving the financial sector of Nigeria.

In this study, credit delinquency sums up to refers to all those polices, acts practices that are incidental to the smooth running or practice of banking business that has to do with loan analysis and management.

For the purpose of this research, data was collected from primary and secondary sources such as published annual reports and account. (Secondary Sources) personal interview (Primary sources). Structure questionnaire. The respondents were analyzed with the use of ratios tables percentage etc.

The research revealed that the major problems of financial sector are bad management line efficiency and the adverse economic condition of the country based on the above findings the researcher recommend training loans and advances officers, strict adherence to principles of good lending proper credit analysis should be adhered to both banker and supervisors.

TABLE OF CONTENT

Title page II

Approval page III

Dedication IV

Acknowledgement V

Abstract VII

Table of content X

List of tables IX

List of figures VIII

CHAPTER ONE

1.0 Introduction 1

1.1 Statement of problem 4

1.2 purpose of the study 5

1.3 Significance of the study 5

1.4 Statements of Hypothesis 7

1.5 Scope of the study 8

1.6 Limitations of the study 8

1.7 Definition of terms 10

CHAPTER TWO

2.0 Review of Related Literature 12

2.1 Credit of commercial bank loans 12

2.2 Types of commercial banks loans 14

2.3 Classification according to period of maturity15

2.4 The lending guidelines 17

2.5 Commercial banks lending guideline 26

2.6 Cause of bank failure 27

2.7 Bank customers 33

2.8 Credit delinquency in commercial bank 37

CHAPTER THREE

3.0 RESEARCH DESIGN AND METHODOLOGY

3.1 sources of Data 40

- Primary data 40

- Secondary data 41

3.2 Sample used 42

3.3 Method of investigation 43

CHAPTER FOUR

4.0 DATA PRESENTATION AND ANALYSIS

CHAPTER FIVE

4.0 SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION

5.1 Findings 65

5.2 Conclusion 65

5.3 Recommendation 67

BIBLIOGRAPHY 75

APPENDIX 77

QUESTIONNAIRE

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APA

YWH9nGq5c0006a088b224.87258818, C. (2018). AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU). Afribary. Retrieved from https://beta.afribary.com/works/an-analysis-of-credit-delinquency-in-commercial-banking-a-case-study-of-union-plc-enugu-2924

MLA 8th

YWH9nGq5c0006a088b224.87258818, CXRbMXY5c0006a08804a6.07849201 "AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)" Afribary. Afribary, 29 Jan. 2018, https://beta.afribary.com/works/an-analysis-of-credit-delinquency-in-commercial-banking-a-case-study-of-union-plc-enugu-2924. Accessed 24 Apr. 2025.

MLA7

YWH9nGq5c0006a088b224.87258818, CXRbMXY5c0006a08804a6.07849201 . "AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)". Afribary, Afribary, 29 Jan. 2018. Web. 24 Apr. 2025. < https://beta.afribary.com/works/an-analysis-of-credit-delinquency-in-commercial-banking-a-case-study-of-union-plc-enugu-2924 >.

Chicago

YWH9nGq5c0006a088b224.87258818, CXRbMXY5c0006a08804a6.07849201 . "AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)" Afribary (2018). Accessed April 24, 2025. https://beta.afribary.com/works/an-analysis-of-credit-delinquency-in-commercial-banking-a-case-study-of-union-plc-enugu-2924

AN ANALYSIS OF CREDIT DELINQUENCY IN COMMERCIAL BANKING (A CASE STUDY OF UNION PLC ENUGU)

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