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DEBT RECOVERY MANAGEMENT AND ITS EFFECT ON PROFITABILITY INDEX OF BANKS

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TITLE PAGE

DEBT RECOVERY MANAGEMENT AND ITS EFFECT ON PROFITABILITY INDEX OF BANKS

BY

---
EE/H2013/01430
DEPARTMENT OF ----
SCHOOL OF ---
INSTITUTE OF ---

DECEMBER,2018



APPROVAL PAGE

This is to certify that the research work, "debt recovery management and its effect on profitability index of banks" by ---, Reg. No. EE/H2007/01430 submitted in partial fulfillment of the requirement award of a Higher National Diploma on --- has been approved.

By
---                                                     . ---
Supervisor                                                  Head of Department.
Signature……………….                           Signature……………….        

……………………………….
---
External Invigilator



DEDICATION
This project is dedicated to Almighty God for his protection, kindness, strength over my life throughout the period and also to my --- for his financial support and moral care towards me.Also to my mentor --- for her academic advice she often gives to me. May Almighty God shield them from the peril of this world and bless their entire endeavour Amen.



ACKNOWLEDGEMENT

The successful completion of this project work could not have been a reality without the encouragement of my --- and other people. My immensely appreciation goes to my humble and able supervisor mr. --- for his kindness in supervising this project.
My warmest gratitude goes to my parents for their moral, spiritual and financial support throughout my study in this institution.
My appreciation goes to some of my lecturers among whom are Mr. ---, and Dr. ---. I also recognize the support of some of the staff of --- among whom are: The General Manager, Deputy General manager, the internal Auditor Mr. --- and the ---. Finally, my appreciation goes to my elder sister ---, my lovely friends mercy ---, ---, --- and many others who were quite helpful.


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ABSTRACT

The impact of debt management of profitability of the banking sector partially zenith bank. The dept management function of bank not only extended with credit function of meet the credit of individual, organization and communities in area of its operation. But also that it tries to earn return that will increase their wealth of its stakeholder by advancing credit to it customer. This study shall take into the impact of debit management on the banking profitability. The study is an application of questionnaires to capture variable of the impact to the study. The questionnaire is further breakdown into primary source of data collection and secondary source of data collection. Method of data analysis, the data collection will analyze by sampling percentage method. The sampling revealed that inefficient dept management, poor financial analysis, unfavourable economic and the causes of dept management on the profitability of the banking sector particularly zenith bank. If the dept is properly managed the tendency is losing of profit by they will institution will be critically reduced. It is the hope that they will improve the credit management not only in zenith bank of Nigeria plc. Also in the whole banking industry of Nigeria.

TABLE OF CONTENT
Title page
Certificate
Dedication
Acknowledgement
Table of content

CHAPTER ONE
1.0      Introduction
1.1      Background of the study
1.2      Relevance of the study
1.3      Objective of the study  
1.4      Statement of the problem
1.5      Limitations of the study
1.6      Definition of key terms and concept
1.7      Organization of the study

CHAPTER TWO    
2.0      Literature Review: Introduction
2.1      Concept needed for debt
2.2      Setting the stage for successful
2.3      Strategies and sand technique for credit collection
2.4      Effective use of executive customer
2.5      Handing difficult customer
2.6      Information technology
2.7      Knowing your customer successfully (accessing qualitative management issue)
2.8      Time management
2.9      Cans flow statement as in relation to debt recovery

CHAPTER THREE
3.0      Research methodology
3.1      Area of study (Union Bank Plc)
3.2      Sources of data
3.3      Sampling methods
3.4      Method of data analysis
3.5      Limitation of the methodology

CHAPTER FOUR
4.0      Data presentation analysis and findings
4.1      Data presentation
4.2      Data analysis
4.3      Findings

CHAPTER FIVE
5.0      Summary, conclusion and recommendation
5.1      Summary
5.1      Conclusion
5.2      Recommendation
References

CHAPTER ONE
1.0      INTRODUCTION
1.1      BACKGROUND TO THE STUDY
Before the advert or existing of money, transaction was by “barter” this involve or direct exchange of goods for foods and service for services its shortcoming was that is involve a double incidence of wants.  
And later compounded by indivisibility of certain goods and services.
The early bankers. The Jew in Lombard Street, Italy, transacted their business in the market place. The word “bank” itself is derived from Italian word “BANIO” meaning whenever a bank failed his bank will be broken up by the angry customer hence the “Bankruptcy” meaning insolvency i.e. on able to fulfill is financial obligation. Which is derived from the Italian word “BANKORUPTO” (Broken bench).
The Italian in Lombard later liquidated because they lend money to king which is not repay back this money. Then can the advent of goldsmith.
The goldsmith making in London began to expand their business through safe keeping og valuable and money when such valuable and money is deposited with the goldsmith receipt would be issued, as the business grows, the receipt is then intercharge of bank notes.
Then goldsmith realize that such money kept with them can be lent out to the third party through collection of interest. In order to secure deposits money and valuable, the British Governments establish the bank note.
The competition of business raised, excluding the bank which can trace the history to the sixteenth and seventeenth centuries.

BANKING IN NIGERIA
In Nigeria the earlier activity was carried out by “Elder Depter” and company with the African banking corporation in 1982/1984.
The bank British West Africa took business is the sole bank in the country. Now call First Bank of Nigeria (Formally Standard Bank of Nigeria Limited), 1917 the colonial bank emancipated new bank called Union Bank of Nigeria Limited.
First indigenous bank was the industrial and Commercial Bank of 1929 but failed in 1930. Nigeria Mercantile Bank come on 1931 and founded in 1936 National Bank of Nigeria Limited was opened in 1933. The came in 1945. It was followed by African Continental Bank on 1945 (Tinubu Bank) sooner French and Brutish United later to become United Bank of Africa (UBA) in 1949.
Due to frequent collapse of bank and lost of depositors fund. The need for legislation to protest public fund arise the first banking or finance appeal lest in 1952 and ruled that all bank must operate through the issue of license from the government, the 1958 ordinance come, which establish the Central Bank of Nigeria, which took over the issue of note and regulation of monetary statutory.

BANKING ACT OF 1969
Due to come structural and operational change banking industry.
The need for greater and better control.
The Banking of 2009
There are outstanding changes not yet made by the legislation.gov.uk editorial team to banking act 2009. These change will be listed when you open the content using the table of contents below. Any change that have already been made by the team appear in the content and are referenced with annotations.

RURAL BANKING SCHEME
The CBN initiated by rural banking scheme whereby Commercial Bank where allocated 200 branches in the first phase. 226 branch in the second phase and 300 branch under the third phase. The scheme create awareness on the important of banking in the rural areas and,

  1. Central bank
  2. Commercial bank
  3. Merchant bank
  4. And specialized.

1.2      RELEVANCE OF THE STUDY
The main purpose of the study is to English various management. On debt recovery technique and it effect on profitability in the country. It aims of establishing how find can be source invested regulated by invested through banking.

1.3      OBJECTIVE OF THE STUDY
This study will be tremendous benefit to operator in banking industry as a debt manager whom will be expose to various of find to a bank and how this fund can be ideally utilized and retrieved from borrowers. Establish the bank note.

1.4      STATEMENT OF PROBLEM
Every commercial enterprise arise of which bank and not exception, require fund either for expension long term or to finance investment in trade. The sufficient utilization of these funds in an important factors that determines the success or failure of the organization.
The problem associated with this needs is whose how and is what volume or quality will this fund be sought.

1.5      LIMITATION OF THE STUDY
The study cover various sources and utilization of debt available to a bank it will cover debt recovery management activity in Union Bank for a period of 5 years between 1996-2000.
Also the activities if treasure department relating to sourcing and utilization of debt in the bank (Union Bank will be examined).

1.6      DEFINITION OF KEY TERMS AND CONCEPT
Debt recovery: A debt recovery person must combine many skill to be able to tackle numerous complex situations.
Management: This is directing task of an organization resources to achieve organization goal. Function of manager are planning controlling motivation leading etc. 
Profitability index: Very important to financial institution like bank because it is and evidence of strength and progress. It also helps to generate confidence bank maximum revenue and minimize lot to make profit.  
Bank: A banker is a dealer in capital or dealer in money, he is an intermediate party between leader and borrows. He borrows and party and land to another.

1.7      ORGANIZATION OF THE STUDY
Chapter one compiles of introduction and statement of problem and background to the study.
Chapter two comprises the literature review that carry out the introduction to the area project work.
Chapter three consists of the area of study which is known as Union Bank of Nigeria Plc.
Chapter four has the introduction and analysis and interpretation of result.

In chapter five it is made up to summary of the work and recommendation of the work.

CHAPTER TWO: The chapter one of this work has been displayed above. The complete chapter two of "debt recovery management and its effect on profitability index of banks" is also available. Order full work to download. Chapter two of "debt recovery management and its effect on profitability index of banks" consists of the literature review. In this chapter all the related work on "debt recovery management and its effect on profitability index of banks" was reviewed.

CHAPTER THREE: The complete chapter three of "debt recovery management and its effect on profitability index of banks" is available. Order full work to download. Chapter three of "debt recovery management and its effect on profitability index of banks" consists of the methodology. In this chapter all the method used in carrying out this work was discussed.

CHAPTER FOUR: The complete chapter four of "debt recovery management and its effect on profitability index of banks" is available. Order full work to download. Chapter four of "debt recovery management and its effect on profitability index of banks" consists of all the test conducted during the work and the result gotten after the whole work

CHAPTER FIVE: The complete chapter five of design and construction of a "debt recovery management and its effect on profitability index of banks" is available. Order full work to download. Chapter five of "debt recovery management and its effect on profitability index of banks" consist of conclusion, recommendation and references.

 

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