THE APPRAISAL OF COMMERCIAL BANKS SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES

By

ANIKPUTA ESTHER UKAMAKA

Presented To

Department of Banking and Finance

PROPOSAL
THE APPRAISALS OF COMMERCIAL BANKS 
SECTORIAL DISTRIBUTION OF LOANS AND ADVANCES

Commercial bank is a financial institution or banks that specialized in keeping money and other valuable safely and in granting short term loans, Advances to individuals and corporate bodies.
This project topic in chapter I will state the introductory aspects of commercial bank and their ability to influence economic activities through creation and distribution of loans and advances to their customers being the preferred and less preferred sectors of economy.
Chapter 2 will base on the evolution of commercial banks, their functions and the C.B.N. guidelines towards the distribution of loans and advances to the various sectors.  It will also state the objectives of commercial banks towards the distribution of loans and advances which is profit maximization.
Chapter 3 will be the method which I will use on the research topic which is secondary data like Newspapers, textbooks and Journals for more information needed for the topic and for the topic to be well emphasize so that I will benefit from the information.
In chapter 4. I will discuss the findings towards the topic like the solutions of the problems that will be encounter by Commercial Banks.
Chapter 5 will discuss on the concluding aspects or parts of the topic which means how Commercial Bank should abide by the rules and regulation guiding them when lending which will put inflation to an end in our economy.

 




TABLE OF CONTENTS
TITLE PAGE II
APPROVAL PAGE III
DEDICATION IV
ACKNOWLEDGEMENT V
PROPOSAL VI
TABLE OF CONTENTS VII

CHAPTER ONE
1.0 INTRODUCTION 1
1.1 BACKGROUND OF THE STUDY 1
1.2 STATEMENT OF PROBLEM 3
1.3 OBJECTIVES OF STUDY 4
1.4 SIGNIFICANCE OF THE STUDY 4
1.5 LIMITATIONS OF THE STUDY 4

CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1 HISTORICAL DEVELOPMENT OF COMMERCIAL BANKING IN NIGERIA 6
2.2 STRUCTURE OF THE NIGERIAN COMMERCIAL BANKS 10
2.3 FUNCTIONS OF COMMERCIAL BANKS 12
2.4 LOANS AND ADVANCES BY COMMERCIAL BANKS 16
2.5 LOAN AND ADVANCES TO PREFERRED AND LESS PREFERRED SECTOR 20
2.6 IMPORTANT OF LOANS AND ADVANCES TO THE PREFERRED 20
2.7 FACTORS THAT AFFECT GRANTING OF LOANS 22
REFERENCES 23

CHAPTER THREE
RESEARCH DESIGN AND METHODOLOGY
3.1 SOURCES OF SECONDARY DATA 26
3.2 LOCATION OF DATA 26
3.3 METHODS OF DATA COLLECTION 27

CHAPTER FOUR
FINDINGS 28

CHAPTER FIVE
RECOMMENDATION AND CONCLUSION 30
BIBLIOGRAPHY 32

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