CREDIT MANAGEMENT IN COMMERCIAL BANKS A CASE STUDY OF UNITED BANK FOR AFRICA (UBA) PLC
CREDIT MANAGEMENT IN COMMERCIAL BANKS A CASE STUDY OF UNITED BANK FOR AFRICA (UBA) PLC
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Date
2000-09
Authors
YUSUFU, IBRAHIM IDRIS
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Abstract
Lending Institutions occupy a central position in the nation's financial system and are
essential in the development process of the economy. By intermediating between the
surplus and deficit spending units, banks increase the quantum of national savings and
investments and hence national output. By granting credits, banks create money thus
influencing the level of money supply which is an essential item in the growth of
national income as it determines the level of economic activities in the country.
For banks to be able to function effectively and contribute meaningfully to the
development of a country, the Industry must be stable, safe and sound. Since early
1990s, the situation has been a far cry from the level of stability required.
Consequently a number of commercial and merchant banks have failed owing to a
number of reasons. One of these reasons is poor credit policies by the banks and in
cases where good policies are in place such are never implemented faithfully.
The regulatory authorities and the banks have each tried to devise policies to avoid the
causes of failure. This study focuses on commercial banking and takes United Bank
for Africa [UBA] Plc as a case study to appraise the banks credit management system
in meeting the challenges posed by the instability in the economy.
The study is divided into five chapters. Chapter One introduces the subject of the study
stating the objectives and significance and problems observed. Chapter Two discusses
review of Literature while Chapter Three reviews the UBA's credit management
system. Chapter Four shows presentation and analysis of data while Chapter Five deals
with Findings, Conclusions and Recommendations.
The major finding of this study is that for the period 1990 to 1999 die UBA Plc has
improved in its financial intermediation function and has also reduced the incidence of
loan losses in its operating results which by implication leads to an improvement in the
quality of the loan portfolio.
Description
A RESEARCH PROJECT PRESENTED TO
THE DEPARTMENT OF BUSINESS ADMINISTRATION
FACULTY OF ADMINISTRATION
AHMADU BELLO UNIVERSITY, ZARIA
IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR
THE AWARD OF MASTER OF BUSINESS ADMINISTRA
TION DEGREE
SEPTEMBER, 2000
Keywords
CREDIT,, MANAGEMENT,, COMMERCIAL,, BANKS,, CASE,, STUDY,, UNITED,, AFRICA,, UBA,, PLC,