Bank Loan Monitoring And Loan Performance A Study Of Deposit Money Banks In Nigeria

📄 Project Abstract

For banks to achieve their goals there is the need to put in place structures that will keep loans active within the acceptable ratios defined by regulatory authorities. Notable among these structures are the internal procedures designed to ensure appropriate procedure for credit appraisals, objective approvals of loan applications and proper credit administration of all disbursed funds. Despite these, empirical evidences portray a different and disturbing picture as consistently the Nigeria banking system is characterized with high ratio of non-performing loans, banks liquidity crises, shrinking profitability, general losses, eventual corporate failures and finally financial crises. These cast doubts as regards the institutionalization of loan monitoring mechanism in the banking system. This study sought to establish whether there is a relationship between bank loan monitoring and loan performance among Deposit Money Banks (DMBs) in Nigeria. The survey and correlational designs were a...