AN ASSESSMENT OF LOAN DEFAULTS AND ITS IMPACTS ON PROFITABILITY IN ECO BANK PLC

ABSTRACT This research work titled “An Assessment of Loan Defaults and its Impact on Profitability†with special references to Eco Bank Nigeria Plc, Kaduna. The study was conducted to find practical means of minimizing the incidence of default on loans in our banks. This research work focuses on the introduction to the study, the statement of research problem, objectives of the study, the scope and limitation as well as historical background of the case study. Further still, the researcher highlighted the method adopted in the collection and gathering of both primary and secondary data. This was the questioning method which involves the use of questionnaire and personal interview, the next focus was on the analysis of the data collected and the presentation. All data collected was analyzed through the use of (1) tabular method, (ii) likert rating scale. However, the summary of the findings were shows that an assessment of loan defaults and its impact on profitability as in case of Eco Bank Nigeria Plc Kaduna where considerable increase has been recorded due to the competent and effective collection strategy employed. Conclusively, it was gathered that all credit should be for legitimate purpose and adequate processes should be established to ensure that financial institutions are not used for fraudulent activities that are prohibited by law.   TABLE OF CONTENTSTitle PageDeclarationApproval PageDedicationAcknowledgementAbstractTable of Contents
CHAPTER ONE:  INTRODUCTION 1.1Background of the Study 1.2Statement of Problem 1.2Objective of the Study 1.3Significance of the Study 1.4Scope of the Study 1.5Research Questions 1.6Scope of the Study 1.7Limitation of the Study 1.8Definition of Terms
CHAPTER TWO:  LITERATURE REVIEW 2.1Introduction 2.2Credit Classification 2.2Liquidity Requirement of Bank 2.3Overdraft 2.4Banking Risk 2.5Credit Policy 2.6Defaults 2.7Causes / reason and Impacts of Loan Default
CHAPTER THREE:  3.1Introduction 3.2Research Design 3.3Area of the Study 3.4Population of the Study 3.5Population Sample are Sampling technique 3.6Instruments of Data Collection 3.7Instruments for Data Collection 3.8Reliability of the Instrument 3.9Methods of Data Presentation and Analysis 3.10Methods of Data Analysis
CHAPTER FOUR: 4.1Introduction 4.2Characteristics of Respondents 4.3Data Presentation and Analysis 4.4Summary of Findings 4.5Discussion of Findings
CHAPTER FIVE: 5.1Summary 5.2Conclusion 5.3Recommendations References