CREDIT MANAGEMENT IN THE BANKING INDUSTRY: A CASE STUDY OF UNITED BANK FOR AFRICA (U.B.A.)
CREDIT MANAGEMENT IN THE BANKING INDUSTRY: A CASE STUDY OF UNITED BANK FOR AFRICA (U.B.A.)
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Date
1999
Authors
SALEH, KASSIM
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Abstract
This project examined the structure of credit management in the banking industry
with special reference to the United Bank for Africa (UBA) kaduna North Branch.
The objectives of the study are to investigate various credit facilities offered by
the bank to customers, to assess the efficiency of its credit management policies and to
determine the extent of the effects of the policies on the organisational productivity.
The summary of the findings indicate that the bank has the following kinds of
credit facilities in her credit portfolio winch include loans, bonds, indemnity guarantees,
direct credit, documents, bankers acceptances, stock replacements credit, documentary
credit and overdraft. The Bank also operates under stipulated credit regulatory policies
which relate seriously to credit worthiness, debt recovery, check system with an
inducement facility collateral and litigation as a last resort.
The study revealed that the credit policies of the bank are effective, that it is not
always the faults of the borrower to repay debt, and that the delays in repayment of debt
affect the lending organisations (i.e. the bank adversely).
Based on the findings, the researcher made some useful recommendations for
banking industry and other users of the data.
Description
Being a project submitted to the Postgraduate School, Ahmadu Bello University,
Zaria, in partial fulfillment of the requirements for the award of the Master of
Business Administration (M.B.A.) Degree
DEPARTMENT OF BUSINESS ADMINISTRATION
FACULTY OF ADMINISTRATION
AHMADU BELLO UNIVERSITY, ZARIA
1999
Keywords
CREDIT,, MANAGEMENT,, BANKING,, INDUSTRY,, CASE,, STUDY,, UNITED,, BANK,, AFRICA,, U.B.A,