THE IMPORTANCE OF BANK LENDING TO THE DEVELOPMENT OF ECONOMY

THE IMPORTANCE OF BANK LENDING TO THE DEVELOPMENT OF ECONOMY

(A CASE OF FIRST BANK OF NIGERIA PLC

EMENE – ENUGU BRANCH).

TABLE OF CONTENT

Title page

Approval page

Dedication

Acknowledgement

Table of content

CHAPTER ONE

1.0            Introduction

1.1            Background of study

1.2            Statement of problem

1.3            Scope of study

1.4            Objective of study

1.5            Definition of terms

CHAPTER TWO

2.0     Review of literature

2.1            Nigerian banking system

2.2            Origin of bank lending

2.3            Types of bank loans

2.4            The Interest of the bank

2.5            Basic principles of lending

2.6            Canons of good lending

2.7            Security acceptable for bank lending

2.8            Various sectors where credit facilities could be channeled

2.9            Bank lending principles and analysis

CHAPTER THREE

3.0     Research design and methodology

3.1            Research design used

3.2            Sources of data

3.3            Research Instrument

3.4            Population and sample size determination

3.5            Collection of data

3.6            Analysis of data

CHAPTER FOUR

4.0     Data presentation, analysis and interpretation of data

4.1            Research questions

4.2            Testing Hypothesis

4.3            Findings

CHAPTER FIVE

5.0            Discussion, Recommendation and Conclusion

5.1            Summary

5.2            Recommendation

5.3            Limitation of study

5.4            Conclusion

References

Appendix

CHAPTER ONE

1.0     INTRODUCTION

Banks generally provide avenue for saving to those who have surplus funds. The surplus deposits are then lent out to the needy personal, cooperate bodies and business customers in form of loans, advances and overdrafts. This proves the statement that “Banks serves as major intermediaries between the demand sector (which need credit to finance projects) and the supply sector (which provide such loan-able funds for such investments)”.

Credits facilities are usually in form of loans, advances, bills discounted bonds and over drafts. Lending is one of the most intricate services rendered by banks and credit facilities are integral part of bank lending. Therefore, this project will in detail analyze the basic principles of bank lending and the mechanics of safe lending permeating the financial statement and interpretation.

It is an indisputable fact that most important asset items in the balance sheet of commercial banks are loans and advances; these items are reported for some good reason. From the bank perspectives they are the largest sources of income.