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ABSTRACT
One of the major problems confronting the Nigerian banking industry today is the increasing incidence of loan defaults and consequent loan losses which manifested on the profitability of the banks, with huge uncollectible loans and advances. This study therefore, examines the effects of loans and advances on the profitability of Nigerian banks.
The methodology used in the research includes secondary sources and primary sources of data collection. The data collected were analyzed using Correlation Coefficient, Pearson Product Moment Correlation and other statistical tools to establish trends and relationship between the variables. Furthermore, graphs were used in the interpretation of the data collected.
The study found out that at 5 percent level of significant; the calculated value of z is grater than the tabulated value in most of the banks considered in the
study. Therefore, this leads to the results that there is significant effect between loans and advances and its profitability. In order words this means that there is a significant effect between the way the banks manage their credits portfolio and the profitability of the banks.
It is the recommendation of the study that there is the need for a strong internal control system to strengthen the credit policy on the management of the banks’ credit facility. This involves the need for thorough checking of loan applications at various stages of granting loans and advances in the banks. Furthermore, banks must ensure strict tradeoff between their liquidity and profitability. This will ensure strict compliance with the money being kept by the banks and the amount granted for loans and advances.
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SIMILAR BANKING FINANCE FINAL YEAR PROJECT RESEARCH TOPICS
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1. EFFECTIVE INTERNAL CONTROL OF FRAUDS IN BANKS A CASE STUDY OF COMMERCIAL AND MERCHANT BANKS IN NIGERIA
» ABSTRACT Ever since banking evolved, banks have come to be seen as one of the few places where one’s treasures can be kept without fear of theft...Continue Reading »Item Type & Format: Project Material - Ms Word | 118 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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2. IMPACT OF COMPUTERISATION IN BANKING SECTOR: A CASE STUDY OF SELECTED COMMERCIAL BANK IN ABUJA UBA
» CHAPTER ONE 1.0 INTRODUCTION 1.1 BACKGROUND OF STUDY Today’s business environment is very dynamic and undergoes rapid changes as a result of technol...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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3. EFFECTS OF STAFF PERFORMANCE APPRAISAL ON THE ACHIEVEMENT OF ORGANISATIONAL GOALS IN THE FIRST BANK PLC (FIRST BANK PLC)
» ABSTRACT The study was designed to assess the impact of the Staff Performance Appraisal System of First Bank Plc, a case study of Uyo Branch. Specific...Continue Reading »Item Type & Format: Project Material - Ms Word | 146 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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4. CREDIT MANAGEMENT AND THE INCIDENCE OF BAD DEBT IN NIGERIA MONEY-DEPOSIT BANKS. (A CASE STUDY OF UNION BANK OF NIGERIA PLC)
» CHAPTER ONE INTRODUCTION 1.1 BACKGROUND OF THE STUDY In a modern economy,there is distinction between the surplus economic units and the deficit econo...Continue Reading »Item Type & Format: Project Material - Ms Word | 57 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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5. THE EFFECT OF MARKETING STRATEGIES ON DEPOSIT BANK PERFORMANCE
» Abstract The study examined the effect of marketing strategies on deposit bank performance in Ogun State, Nigeria. The objective of the study is to ev...Continue Reading »Item Type & Format: Project Material - Ms Word | 76 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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6. AUDIT INDEPENDENCE: ENHANCING ACCOUNTABILITY AND TRANSPARENCY IN CORPORATE ORGANIZATIONS
» CHAPTER ONE INTRODUCTION 1.1. Background of the study The subject of transparency and accountability in modern day corporate organizations has continu...Continue Reading »Item Type & Format: Project Material - Ms Word | 71 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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7. THE IMPORTANCE OF DOCUMENTRY CREDIT OPERATION BY BANKS (A CASE STUDY OF OCEANIC BANK INTERNATIONAL PLC UGHELLI)
» CHAPTER ONE 1.1 Man’s quest for knowledge and adventured have brought the different part of the world in contact with each other despite the del...Continue Reading »Item Type & Format: Project Material - Ms Word | 61 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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8. AN ASSESSMENT OF LOAN DEFAULTS AND ITS IMPACTS ON PROFITABILITY IN ECO BANK PLC
» ABSTRACTThis research work titled “An Assessment of Loan Defaults and its Impact on Profitability†with special references to Eco Bank Nig...Continue Reading »Item Type & Format: Project Material - Ms Word | 56 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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9. IMPACT OF AUTOMATED TELLER MACHINE ON CUSTOMER SATISFACTION
» ABSTRACT The Nigerian Banking sector over the years has been experiencing significant changes and development in its Information and Communication Tec...Continue Reading »Item Type & Format: Project Material - Ms Word | 52 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT
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10. THE IMPACT OF MICROFINANCE BANKS IN RURAL DEVELOPMENT IN NIGERIA
» ABSTRACT Microfinance banks are banks that provide banking or financial services other than services provided by commercial banks targeted at people l...Continue Reading »Item Type & Format: Project Material - Ms Word | 50 pages | Instant Download | Chapter 1-5 | BANKING FINANCE DEPARTMENT