DEBT RECOVERY TECHNIQUES IN THE BANKING SECTORS ISSUES, PROBLEMS AND PROSPECTS

(A CASE STUDY OF UNION BANK NIG PLC)

ABSTRACT

When some banks in the system are distressed, it is in the best interest of the non distressed one that an effective resolution of the distressed it carried out . This is because, the distress in one bank which leads to a loss of confidence in the effected bank can also affected confidence in the entire banking system, the corporation requires enormous amount of money which it does not have at the moment given the age and size of the insurance find.

Bank customers expect their bankers to provide them with loan and advances to make up the short fall in their required find the ability of the bank to maintain profitability depends largely on the extent to which the credit policy and debt recovery techniques is maintained.

Credit control department is the center of banks and as such , they are charged with responsibility of making proper use of the share holders finds of the public at large . The union bank of Nigeria PLC has been chosen for this work.. The study is carried out to examine the debt recovery techniques employed by union bank of Nigeria PLC towards the effective running of the bank as lending attitude and preferring solution as deemed appropriate. The case study method was adopted in carrying out the work and debt were collected from secondary and primary source. Secondary sources information include the use of existing literary coupled with use of some journals and other unpublished manuals were seen to be useful for this work.

     Chapter one highlights one the statement of the researches problem, definition of some important terms used for the study, scope, limitation and hypothesis.

      Chapter two dealt with relate iterative. It focuses on conceptual and theorelocal bed rock upon which bank recovery techniques is built

        Chapter three and four dealt on data collection which includes questionnaire analysis, personal interview, analysis as well as testing hypothesis based on response to the questionnaire

        Chapter five is the findings, conclusion and recommendation of the researcher.

TABLE OF CONTENTS

Table of content

Title page

Approval page

Dedication page

Acknowledgement

Abstract

Table of content

    CHAPTER ONE

1.0            INTRODUCTIOIN

1.1            Statement of the problem

1.2            Purpose of the study

1.3            Significant of the study

1.4            Statement of Hypotheses

1.5            Scope of the study

1.6            Limitation of the study

1.7            Definition of terms.

1.8            Causes of loan delinquency

1.9            Reference.

CHAPTER TWO

REVIEW OF RELATED LITERATURE

2.1     Sources of data, primary data, secondary data

2.2     Population sample size

2.2.1  Description of population

2.2.2  Sample size

2.3     Instrument of data collection Description of Questionnaire

2.4     Data collection methods

2.5     Method of data presentation and analysis

2.6     Method of testing Hypothesis Reference.

CHAPTER THREE

3.1     Data presentation and Analysis

3.2     Research Questionnaire Analysis

 CHAPTER FOUR

4.1                Summary of finding , conclusion and Recommendation

4.2                 Summary of finding

4.3                 Conclusion

4.4                 Recommendation

BIBLIOGRAPHY

      APPENDIX   (questionnaire)

     QUESTIONNAIRE