THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)

ABSTRACT

This research work sought to evaluate the sourcing and application of funds on Commercial Banks in Nigeria using Access Bank Plc Ogui Road, Branch Enugu as a case study. The importance of prudent sourcing and application of funds in every business enterprise particularly the banking industry cannot be overemphasized. It is in this regard that the researcher went about his quest. The researcher employed the personal interview. Observation and documentary instrumentations in data collections. From the information and data sources, via the bank financial statements and records, the researcher was able to find out that though, the bank maintaining a sound sourced and application of fund policy, they still need to do more in view of the fact that sourcing and application of funds is a going process which needs to be reviewed and restructured from time to time to meet the yearning for prudent financial management and growth. The researcher therefore is of the view that the bank management should evolved better deposit, lending and other like financial services policies such that the bank is able to provide the desired services to the public and other economic units and also ensure prudency, particularly in its lending sourcing and application of fund generally.

TABLE OF CONTENTS

Cover Page i

Title Page ii

Approval Page iii

Dedication iv

Acknowledgement v

Table of Contents vi

Abstract vii

CHAPTER 1: INTRODUCTION

Background of the Study 1

Historical Background of the Study 9

Purpose of the Study 18

Aims and objective of the Study 29

Significant of the Study 30

CHAPTER 2: REVIEW OF RELATED LITERATURE

Introduction 31

Share Capital 32

Ordinary shares 33

Loan stock and Debentures 35

CHAPTER 3: RESEARCH DESIGN AND METHODOLOGY

Introduction 41

Description of Research 41

Description of Population 42

Sample of the Study 43

Description of Investigation Technique 43

Data Analytical Procedure 47

CHAPTER 4: PRESENTATION OF DATA

Introduction 48

Analysis of Data 64

Interpretation of Data 66

Testing and Prove of Hypothesis and Findings 67

CHAPTER 5: SUMMARY, CONCLUSION AND RECOMMENDATION

Summary 75

Conclusion 77

Recommendation 78

References 83

Appendix

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APA

ShC49Ph5c0009dd836123.71809855, B. (2018). THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH). Afribary. Retrieved from https://beta.afribary.com/works/the-source-and-application-of-funds-to-a-commercial-banking-section-a-case-study-of-access-bank-plc-enugu-branch-149

MLA 8th

ShC49Ph5c0009dd836123.71809855, BPZusgD5c0009dd813ad5.89971962 "THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)" Afribary. Afribary, 29 Jan. 2018, https://beta.afribary.com/works/the-source-and-application-of-funds-to-a-commercial-banking-section-a-case-study-of-access-bank-plc-enugu-branch-149. Accessed 25 Apr. 2025.

MLA7

ShC49Ph5c0009dd836123.71809855, BPZusgD5c0009dd813ad5.89971962 . "THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)". Afribary, Afribary, 29 Jan. 2018. Web. 25 Apr. 2025. < https://beta.afribary.com/works/the-source-and-application-of-funds-to-a-commercial-banking-section-a-case-study-of-access-bank-plc-enugu-branch-149 >.

Chicago

ShC49Ph5c0009dd836123.71809855, BPZusgD5c0009dd813ad5.89971962 . "THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)" Afribary (2018). Accessed April 25, 2025. https://beta.afribary.com/works/the-source-and-application-of-funds-to-a-commercial-banking-section-a-case-study-of-access-bank-plc-enugu-branch-149

THE SOURCE AND APPLICATION OF FUNDS TO A COMMERCIAL BANKING SECTION (A CASE STUDY OF ACCESS BANK PLC ENUGU BRANCH)

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