CREDIT MANAGEMENT IN THE BANKING INDUSTRY: A CASE STUDY OF NIGERIAN AGRICULTURAL AND COOPERATIVE BANK AND FIRST BANK OF NIGERIA PLC

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dc.contributor.authorJIMADA, MUSTAPHA AISHAT MAMMA
dc.date.accessioned2014-02-28T14:17:35Z
dc.date.available2014-02-28T14:17:35Z
dc.date.issued1999-11
dc.descriptionA project submitted to the Postgraduate School, Ahmadu Bello University Zaria In partial fulfillment of the requirements for the award of Master Degree In Business Administration (MBA) Department of Business Administration Ahmadu Bello University, Zaria November, 1999en_US
dc.description.abstractThe dilemma facing the Nigerian banking industry as a result of high incidence of loan (credit) default by corporate and individual customers alike is multifarious and has now attained an alarming proportion. As a result of this, some banks have recently categorized more than 45% of their loan (credit) portfolio as non-performing or critical assets. This decision has been blamed on the various government policies, especially those of the 1980s and 1990s, typically called the Structural Adjustment Programme (SAP). This period was characterized by fall in oil revenue and the resultant balance of payments crisis. Government needed to take steps to arrest the situation because of the danger it posed on the Nigerian economy in general and the financial sector, in particular. It resulted in corporate insolvency and therefore dealt a permanent damage to the economic survival of the country as a whole. This has necessitated our suggestion that there is need for an efficient and effective credit (loan) management for Nigeria's banking industry. This is based on comparative analysis of credit management in the Nigerian Agricultural and Cooperative Bank Limited, a development bank and First Bank of Nigeria Plc, a commercial bank. In chapter one, the genealogy of credit management has been looked into in the two banks, while in chapter two, related literatures were reviewed in relation to the topic, i.e. credit management and management concepts. Chapter 3 and four conducted an in-depth study of the credit management strategies of the two banks, and how the banks dealt with the problems that arose therefrom. Lastly, in chapter five, summary, recommendation and conclusion were drawn from the above analyses. Our conclusion from our analysis is that for our banks to survive and be firmly rooted, emphasis must be placed on good management of credit portfolio.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/2994
dc.language.isoenen_US
dc.subjectCREDIT,en_US
dc.subjectMANAGEMENT,en_US
dc.subjectBANKING,en_US
dc.subjectINDUSTRY,en_US
dc.subjectCASE,en_US
dc.subjectSTUDY,en_US
dc.subjectNIGERIAN,en_US
dc.subjectAGRICULTURAL,en_US
dc.subjectCOOPERATIVE,en_US
dc.subjectBANK,en_US
dc.subjectFIRST,en_US
dc.subjectPLC,en_US
dc.titleCREDIT MANAGEMENT IN THE BANKING INDUSTRY: A CASE STUDY OF NIGERIAN AGRICULTURAL AND COOPERATIVE BANK AND FIRST BANK OF NIGERIA PLCen_US
dc.typeThesisen_US
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