Download Complete Ratio Analysis As A Bank Lending Tool Research Materials (PDF/DOC)
In chapter one, the target of this project topic is to know how bank lending is concerned with provision of funds for the needy customers as loans from the savings of the fund surplus units paid into the bank. This is the corner stone of a bank with great care to be exercised in this activity in the ratio analysis as a bank lending took is acceptable to both lender and borrower.
In this chapter two, concept of bank lending is an essential function of commercial banking and it has to do with an extension of loans to the borrowers. Banks have some of the objectives of lending, having identified the problems and its impact on the analysis of the borrower’s financial position concerning bank policy will not isolate itself completely from it.
Chapter three will be talking about research method and design with the experimental survey method by interviewing the officials. These will be summarisingly interpreted.
In chapter four, it will be data presentation and analysis of findings and the research will be using the instrument of questionnaires.
Chapter five, is the summaries of some of the key findings of the research which relates to the main objective, recommendation and conclusion.
This study seeks to study the bank lending functions in Nigerian banks, with a view to ironing out the factors militating against the attainment of sound lending which contribute in no small measure to the non-recovery of loans. Investigating the extent to which ratio analysis assist bank managers in their decision in lending. Bank lending is merely the assessment and evaluation of bankable proposition with the objective of extending credit facilities on terms and conditions acceptable to both lender and borrower. The rationale behind bank lending is presumably the desire to attain social and economic objectives for the society and profit for the banks.
Over the years, there has been a transition from an era of paper profits to an era of losses. In fact, many banks no longer lend delinquent debtors to honour their obligations. All these and many more are discussed in this project because one of the most important tasks of ratio analysis is assisting the financial managers to achieve efficiency through the provision of suitable financial information.
In carrying out the above mentioned functions, research questions were used in analysis formulated. Relevant tables were built on the data collected and percentages were used in analysizing the data. The hypothesis which states that “RATIO ANALYSIS does not help financial managers or does not serve as a lending too” was tested from the responses and found to be wrong. Based on the findings, some recommendations were put forward which, if adopted will go a long way in enhancing the effectiveness and reliability of using ratio analysis in evaluating the financial performance of a given institution in a given period before lending.
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The abstract section provides a concise summary of the Ratio Analysis As A Bank Lending Tool, including the issue statement, methodology, findings, and conclusion
The introduction section introduces the Ratio Analysis As A Bank Lending Tool by offering background information, stating the problem, aims, research questions or hypotheses, and the significance of the research
The literature review section presents a review of related literature that supports the current research on the Ratio Analysis As A Bank Lending Tool, systematically identifying documents with relevant analyzed information to help the researcher understand existing knowledge, identify gaps, and outline research strategies, procedures, instruments, and their outcomes
The conclusion section of the Ratio Analysis As A Bank Lending Tool summarizes the key findings, examines their significance, and may make recommendations or identify areas for future research
References section lists out all the sources cited throughout the Ratio Analysis As A Bank Lending Tool, formatted according to a specific citation style
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