TABLE
OF CONTENTS
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 BANKS16
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 LOANS22
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
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.
CHAPTER
ONE
INTRODUCTION
1.1
BACKGROUND OF THE STUDY
I got interested in the topic of
this project owing to the fact that the preferred sector of the economy is
being marginalized in its attempt to secure loans and advances from the
Commercial Banks.
The Commercial Banks with their
ability to influence economic activities through the creation and distribution
of money has become the major focus of monetary activities.
The Central Bank of Nigeria has
through the years sought ways and means of mobilizing funds for the development
of the country’s economy.
Though equipped with various
instrument of controlling and directing credit, the Central bank has found the
method of credit guidelines most effective in directing credit to specified
sectors of the economy.
Thus, the government has through the
Central Bank succeeded in directing the Commercial Banks sectoral distribution
of loans and advances. It is not always easy to set guidelines and expect
full compliance. Guidelines have always been set to achieve certain
objectives and the achievement of such objectives are always dependent upon
full compliance by those affected by the guidelines.
The Central Bank of Nigeria
guidelines on sectoral distribution of loans and advances are aimed at
developing the productive sectors of the country’s economy as well as curbing
price inflation.
The Commercial Banks who are
expected to follow the Central Banks guidelines have their corporate objectives
of making profits, the Commercial Banks have auxiliary objectives of meeting
the demands of their shareholders, customers and government.
Therefore, the research problem
rests on whether the Commercial Banks will be able to show full compliance with
the Central Banks guidelines in the light of the risk involved and the lending
rate prescribed for lending to the preferred and less preferred sectors of the
economy.
1.3
THE OBJECTIVES OF THE STUDY
The objectives of this research
project can be stressed as follows:
- a. To find out whether the Commercial Banks give out loans and advances to the preferred sectors of the Nigerian economy.
- b. To find out whether the Commercial Banks give out loans and advances to the less preferred sector of the Nigerian economy.
- c. To find out what makes up the preferred and less preferred sectors of the Nigerian economy.
1.4
SIGNIFICANCE OF THE STUDY
This research project will be of
immense benefit to the academic world in the sense that it will stimulate
future research.
It will equally be of immense
benefit to the federal government of Nigeria in the sense that the activities
of Commercial Banks affect the economy as a whole.
The study will also be of advantages
to the business world and customers who wish to know why they are not given
long term loan as requested by them.
1.5
LIMITATIONS OF THE STUDY
The study into Commercial Banks
sectorial distribution of loans and advances is an inexhaustible one but the
researcher could not be able to achieve much as she liked due to time
constraint.
Another limitation is lack of
statistical data. All the necessary data required for this research project
would not be brought owing to non availability and also the reluctant attitude
shown by some workers in the places where these data were to be collected.
Also, pressue from classwork added
to the limitation of the project because as there are so many assignments to be
written and submitted within a stimpulated time, it could be very difficult for
the researcher to be combining classwork and writing of project.
Another thing is financial
constraint.
There was no money to run around to
collect more data on the topic.
There was therefore no option but to
use available data and journals.
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