THE LENDING PROCEDURES AND LOAN RECOVERY IN BANKS

By

ANIGBO FRANCISCA OBIAGELI

Presented To

Department of Banking and Finance

ABSTRACT

Efficient lending procedures is vital to investments on the technique of lending and the methods of security such lending and the pi falls that await the unaware banker. A study on its subject will therefore be a welcome addition to the existing volume of banking literature.
Effective loan procedures recognizes that beyond the application of sound bank principles whenever a loan is made, there is need for urgency in appreciating the point when loan begins to look doubtful arriving at a decision as to the appropriate action, and in taking that action. This will enable the banks to at best obtain full repayment of loan.












TABLE OF CONTENT 

Title page 
Approval page 
Dedication 
Acknowledgment 
Abstract 
Table of content

CHAPTER ONE 
1.1 Statement of the problem and purpose of the study 
1.2 Rationale of the study 
1.3 Significance of the study 
1.4 Definition of terms

CHAPTER TWO 
Literature review 
2.1 Principle of lending 
2.2 Factors to be considered before granting loan to customer 
2.3 Procedure for obtaining bank loan 
2.4 Procedure for taking security for bank lending 
2.5 Non – cash securities 
2.6 Securities acceptable for bank lending 
2.7 How bad debt could be recovered 
2.8 Causes of bad debt 

CHAPTER THREE 
Design of methodology 
3.1 Hypothesis 
3.2 Sources of data 
3.3 Location of data 
3.4 Limitation of the study 
3.5 Method of data collection and analysis 

CHAPTER FOUR 
Data presentation, data analysis and discussion of the result 
4.1 Data presentation 
4.2 Data analysis 
4.3 Discussion of the result 

CHAPTER FIVE
Summary, conclusion and recommendation 
5.1 summary 
5.2 conclusion 
5.3 recommendation 
bibliography 


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