Debt Recovery Techniques In The Banking Sectors Issues, Problems And Prospects (A Case Study Of Union Bank Nig Plc)

ABSTRACT When some banks in the system are distressed, it is in the best interest of the non distressed one that an effective resolution of the distressed is carried out. This is because, the distress in one bank which leads to a loss of confidence in the effected bank can also affected confidence in the entire banking system, the corporation requires enormous amount of money which it does not have at the moment given the age and size of the insurance find. Bank customers expect their bankers to provide them with loan and advances to make up the short fall in their required find. The ability of the bank to maintain profitability depends largely on the extent to which the credit policy and debt recovery techniques is maintained. Credit control department is the center of banks and as such , they are charged with responsibility of making proper use of the share holders finds of the public at large . The Union Bank of Nigeria Plc has been chosen for this work.. The study is carried out to examine the debt recovery techniques employed by Union Bank of Nigeria Plc towards the effective running of the bank as lending attitude and preferring solution as deemed appropriate. The case study method was adopted in carrying out the work and debt were collected from secondary and primary source. Secondary sources information include the use of existing literary coupled with use of some journals and other unpublished manuals were seen to be useful for this work.      Chapter one highlights one the statement of the researches problem, definition of some important terms used for the study, scope, limitation and hypothesis.       Chapter two dealt with relate iterative. It focuses on conceptual and theorelocal bed rock upon which bank recovery techniques is built          Chapter three and four dealt on data collection which includes questionnaire analysis, personal interview, analysis as well as testing hypothesis based on response to the questionnaire  Chapter five is the findings, conclusion and recommendation of the researcher. 

TABLE OF CONTENT Title page Approval page Dedication page Acknowledgement Abstract Table of contents List of tables List of figures 
CHAPTER ONE1.0 Introduction1.1  Background of Study1.2 Statement of Problem 1.3  Objectives of Study1.4  Significance of the Study  1.5 Limitation of the Study 1.6 Definition of terms References
CHAPTER TWO 2.0 REVIEW OF RELATED LITERATURE References
CHAPTER THREE 3.0 RESEARCH DESIGN AND METHODOLOGY 3.1 Sources of Data 3.2 Sample used 3.3 Instrument of Data Collection 3.5 Data Collection Methods  3.6 Method of Data Presentation3.7   Method of data Analysis
CHAPTER FOUR 4.0 DATA PRESENTATION AND ANALYSIS 4.1 Data presentation and analysis 4.2 Test of Hypotheses 
CHAPTER FIVE 5.0 SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATION 5.1 Findings 5.2 Conclusions 5.3 Recommendations Bibliography Appendix - Questionnaire