BANK LENDING AND CREDIT ADMINISTRATION IN MERCHANT BANKS A CASE STUDY OF INTERNATIONAL MERCHANT BANK (IMB) PLC
BANK LENDING AND CREDIT ADMINISTRATION IN MERCHANT BANKS A CASE STUDY OF INTERNATIONAL MERCHANT BANK (IMB) PLC
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Date
1998-07-31
Authors
ALBISHIR, WAZIRI
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Abstract
Bank lending and Credit Administration represents an important aspect of Bank
Management activities. Without proper credit policy and management, the
quality of risk assets that constitute significant portion of Bank assets will be
jeopardised. For efficient lending and credit administration in Merchant Banks,
certain techniques are employed.
Chapter One discussed the background of the study, problems of the study as well
as the significance of the study. The methods in which the research was
conducted, the scope and limitations of the research were also covered.
Literature Review and Theoretical Framework forms Chapter Two of the study.
The legal environment for Bank lending in Nigeria as well as principles of good
lending otherwise known as canons of lending were also highlighted. The
techniques for determining the profitability of lending proposals, the peculiarities
of equipment leasing and other forms of assets based lending, securities acceptable
for Bank lending also forms part of the chapter. The perfection and
documentation as well as enforcement and realisation of securities have also been
discussed.
Chapters Three and Four covered Credit Policy formulation, analysis,
documentation and management. The history, structure and operations of the
Bank under study (International Merchant Bank Plc) were also discussed. The
Credit Management structure of the Bank, classes of credit facilities extended by
the Bank as well as credit analysis and presentation procedures were highlighted.
The application of CBN prudential guidelines in problem loan identification and
management were also discussed. The study also encompasses credit reviews and
portfolio management procedures of the Bank.
Finally, Summary, Conclusion and Recommendations were given towards more
efficient Bank Lending and Credit Management, that could reduce nonperforming
credits of the Bank.
Description
A PROJECT PRESENTED TO THE POSTGRADUATE
SCHOOL OF AHMADU BELLO UNIVERSITY, ZARIA,
NIGERIA IN PARTIAL FULFILLMENT FOR THE AWARD
OF MASTER IN BUSINESS ADMINISTRATION (MBA)
Keywords
BANK LENDING,, CREDIT,, ADMINISTRATION,, MERCHANT BANKS,, CASE STUDY,, INTERNATIONAL MERCHANT BANK