MANAGEMENT OF CREDIT FACILITIES IN COMMERCIAL BANK (A CASE STUDY OF FIRST BANK PLC UGELLI MAIN BRANCH DELTA STATE)

ABSTRACTCredit management facilities, the never centre of all commercial banks operations and in its efficiency guarantees, the ability to mobilize deposit and allocate such finds to customers when have need for them. This research work examined the credit facilities and loans management of First bank of Nigeria Plc Ughelli main branch Delta state with a view to ascertain the causes of loan failure, types of securities needed, importance of collecting securities from the prospective borrowers etc and time of loan maturity. The findings from analysis show that first bank of Nigeria plc (delta state) recorded impressive results in the normal business operation due to the increase in assets, high deposits a vary in the credit management. In conclusion, it was recommend that lending officers should be trained, customers, should be educated management should be flexible in the speculations of its credit management facility or policy in order to absorb the unpredictable posture of government monetary policy guidelines. Also avoid delays infestation arising from failure to secure bank facilities customers should be given current bank credit policies guidelines.








TABLE OF CONTENTS  Title page  Approval page  Dedication  Acknowledgement  Table of contents  List of tables  Abstract 
CHAPTER ONE  1.0Introduction  1.2Background to the study  1.3Statement of the problem  1.4The objective or purpose of the study  1.5Scope or delimitation of the study  1.6Research questions  1.7Significance/ rativenaire of the study  1.8Definition of terms  CHAPTER TWO  2.0Review of literature Summary of Related reviewed literature 
CHAPTER THREE       3.0Methodology  3.1Research design 3.2Area of study  3.3Population of the study  3.4Sample and sampling procedure  3.5Instrument for data collection  3.6Validation of the research instrument  3.7Reliability of the research instrument  3.8Method of administration of the research instrument  3.9Method of data analysis


CHAPTER FOUR  4.0Data presentation and results  Summary of results/findings 
CHAPTER FIVE     5.0Discussion, implication, recommendation  5.1Discussion of results  5.2Conclusion  5.3Implications of the result  5.4Recommendations  5.5Suggestions for further research  5.6Limitation of the study  Reference  Appendix     LIST OF TABLE  1Questionnaires I table 4.1.1  2Questionnaires II table 4.1.2  3Questionnaires III table 4.1.3  4Ten year financial statement summary table 4.1.4  5Profit/loss loans and advances recovery and provision for bad and doubtful debt table 4.1.5   6Analysis of five year financial summary (1999 – 2003) table 4.1.5