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)Â 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.
AÂ Â Â comparative analysis of balance sheet extract
B   Responses to research Question       No1
C   Responses to research Question       No2
D   Responses to research Question       No3
E   Responses to research Question       No4
F   Responses to research Question       No5
G   Responses to research Question       No6
H   Responses to research Question       No7
I   Responses to research Question       No8
LIST OF FIGURES
4.1   Normal curve ” Decision of Hypothesis   i
4.2   Normal curve ” Decision on Hypothesis   ii
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  Â
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
2.3Â Â Â 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
3.0Â Â Â 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
4.0Â Â Â DATA PRESENTATION AND ANALYSIS
CHAPTER FIVE
5.0Â Â Â SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION
5.1   Findings                     65
5.2   Conclusion                  65
5.3   Recommendation               67
BIBLIOGRAPHY Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â 75
APPENDIXÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â 77
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