Credit Management In The Banking Industry: A Case Study Of United Bank For Africa (U

📄 Project Abstract

This project examined the structure of credit management in the banking industry with special reference to the United Bank for Africa (UBA) kaduna North Branch. The objectives of the study are to investigate various credit facilities offered by the bank to customers, to assess the efficiency of its credit management policies and to determine the extent of the effects of the policies on the organisational productivity. The summary of the findings indicate that the bank has the following kinds of credit facilities in her credit portfolio winch include loans, bonds, indemnity guarantees, direct credit, documents, bankers acceptances, stock replacements credit, documentary credit and overdraft. The Bank also operates under stipulated credit regulatory policies which relate seriously to credit worthiness, debt recovery, check system with an inducement facility collateral and litigation as a last resort. The study revealed that the credit policies of the bank are effective, that it is not al...