Abstract:
This research work was undertaken to assess the
CREDIT ADMINISTRATION IN
COMMERCIAL BANK (A CASE STUDY OF UNITY BANK NIGERIA PLC).
T
his work was intended to achieve the following objectives: to appraise and
determine the lending
procedure of banks, to highlight the extent to which improper
project evaluation influence bad debt of Money
-
Deposit Banks. Relevant data were
collected from both primary and secondary sources. Questionnaire was the main
primary data collected instrument
employed while data from various relevant
publications constituted the sources of secondary data. Upon the analysis of data, the
following conclusions were drawn; that sound lending requires a clear
-
well
articulated and easy accessible policy document which spells out the philosophy of
lending. On the basis of the above findings, it was recommended that banks should
ensure that loans given out to customers should be backed by adequate collateral
security. Finally, it is the opinion of the researcher that the management of the
Money
-
Deposit Banks should prevent the incidence of bad debts in Nigerian Banks.
