IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA. (A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN)

ABSTRACT

This study centered on improving the management of loanable funds in commercial banks. The study was comparative in nature, using Trade Bank of Nigeria (TBN) and Inland Bank of Nigeria (IBN).

These two banks were chosen because of their accessibility, high rate of mobilization of deposits and loan defaulting.

The major instrument used for data collection included oral interviews, bank records of daily operations, annual report and statement of accounts. Four hypothesis were formulated in line with the statement of the problems. The data obtained was organized and analyzed with the use of chi square test for goodness of fit, coefficient of correlation, percentage of loan chart and component bar chart were also used respectively where necessary.

The study finally revealed if the incidence of loan default was continuously on the increase/decrease and if such increase/decrease was more in government owned banks or in privately owned banks. It also saw if such increase/decrease was higher/lower in relation to deposit mobilization.

In order to find solution to the problem, it was suggested that banks should adhere strictly to the principles of good lending, improve on security valuation, ensure that men of high integrity are employed at the credit department and emphasize on prudent supervision and control of loan accounts. Other suggestions were purely focused on advisory and credit worthiness for effectiveness and proper management.

TABLE OF CONTENTS

PAGE

TITLE PAGE

CERTIFICATION

DEDICATION

PREFACE

ACKNOWLEDGEMENT

ABSTRACT

TABLE OF CONTENT

CHAPTER ONE: INTRODUCTION

1.1 Background of the study

1.2 Statement of the problem

1.3 Objective of the study

1.4 Significance of the study

1.5 Research question

1.6 Hypothesis

1.7 Scope and limitations

CHAPTER TWO: REVIEW OF RELATED LITERATURE

2.1 Commercial Banking in Nigeria: Origin and development

2.1.1 History of Trade Bank Plc

2.1.2 History of Inland Bank

2.2 Commercial banks and economic development

2.3 Banking credit facilities and the Nigerian Economy

2.3.1 The bank loans and advances

- Overdrafts

- Short term loans

- Medium term loans

2.4 Commercial Bank lending criteria

2.4.1 Basic Principles of lending

2.4.1.1 Safety of advance

2.4.1.2 Suitability of advances

2.4.1.3 Profitability of advances

2.4.2 Factor that influence commercial bank lending policies

2.4.2.1 Capital position of banks

2.4.2.2 The risk and profitability of various types of loan and advances

2.4.2.3 Suitability of deposits

2.4.2.4 The position of the Economy

2.4.2.5 Monetary and Fiscal policies

2.4.3 The commercial bank lending policies

CHAPTER THREE: RESEARCH METHODOLOGY

3.1 Source of data

3.2 Study area

3.3 Sample (Specimen Banks)

3.4 Analytical techniques.

CHAPTER FOUR: PRESENTATION AND ANALYSIS

4.1 Test of Hypotheis one

4.2 Test of hypothesis one

4.3 Test of hypothesis one

4.4 Test of hypothesis one

CHAPTER FIVE: SUMMARY OF FINDING, RECOMMENDATION AND CONCLUSION

5.1 Causes of loan default in Commercial bank lending

5.1.1 Bank customers.

- Lack of strict adherence to the principles of good lending

- Poor credit analysis

- Lack of supervision and control of loan account

- Dishonest Bank officials

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APA

T0gOSTL5c0005cdc49c47.77861884, Q. (2018). IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA. (A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN). Afribary. Retrieved from https://beta.afribary.com/works/improving-the-management-of-learnable-funds-in-commercial-banks-in-nigeria-a-comparative-study-of-trade-bank-tb-and-inland-bank-of-nigeria-ibn-9324

MLA 8th

T0gOSTL5c0005cdc49c47.77861884, QQXlA1z5c0005cdbe9d75.44641593 "IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA. (A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN)" Afribary. Afribary, 29 Jan. 2018, https://beta.afribary.com/works/improving-the-management-of-learnable-funds-in-commercial-banks-in-nigeria-a-comparative-study-of-trade-bank-tb-and-inland-bank-of-nigeria-ibn-9324. Accessed 15 Jun. 2025.

MLA7

T0gOSTL5c0005cdc49c47.77861884, QQXlA1z5c0005cdbe9d75.44641593 . "IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA. (A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN)". Afribary, Afribary, 29 Jan. 2018. Web. 15 Jun. 2025. < https://beta.afribary.com/works/improving-the-management-of-learnable-funds-in-commercial-banks-in-nigeria-a-comparative-study-of-trade-bank-tb-and-inland-bank-of-nigeria-ibn-9324 >.

Chicago

T0gOSTL5c0005cdc49c47.77861884, QQXlA1z5c0005cdbe9d75.44641593 . "IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA. (A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN)" Afribary (2018). Accessed June 15, 2025. https://beta.afribary.com/works/improving-the-management-of-learnable-funds-in-commercial-banks-in-nigeria-a-comparative-study-of-trade-bank-tb-and-inland-bank-of-nigeria-ibn-9324

IMPROVING THE MANAGEMENT OF LEARNABLE FUNDS IN COMMERCIAL BANKS IN NIGERIA. (A COMPARATIVE STUDY OF TRADE BANK (TB) AND INLAND BANK OF NIGERIA (IBN)

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