ABSTRACT

The purpose of this research is to examine the impact of  credit management on commercial banks.  The introduction of the  prudential guideline in banking industry, the volume and value of loans and advances classified into non-performing account has continued to increase in bank lending.  Obviously this has adverse effect on banks since it affects their cash flow and impair profitability. Most loans and advances go bad because of the inadequacy in credit management and recovery procedure of banks.  Appraisal of lending vis a vis the credit  management of banks and the impact of the application of prudential guidelines on credit, form the major objective of this study.  Union  bank of Nigeria Plc Okpara Avenue Enugu was used as a case study with a view to highlight the effectiveness, the adequacy or otherwise of the credit management policy of Nigerian commercial banks with a view to

finding the causes and consequences of non-performing loans and advances.  The consequences causes upon this, the researcher employed a population size of 500 Staff Bank Plc, Okpara Avenue, Enugu made up of the management accounting and administrating staff of the bank.  The

population sample randoming selected is 119 staff of the bank.  The  researcher also employed simple percentage frequency statistical to

analysis of the data collected.  The researcher finding show that there  exist policy frame work fork for credit management in Commercial Bank in

Nigeria, the problem however has been problem execution and fellow up. It is the recommendation of the researcher that lip services should not

be the practices in credit management of the Commercial Bank should ensure diligent and prudent credit management in the Banking Industry.



TABLE OF CONTENTS
Title Page                                    ii
Approval page                                iii
Dedication                                    iv
Acknowledgement                                v
Table of Content                                vi
Abstract                                    ix

CHAPTER 1; INTRODUCTION               
Background of the Study                        1
Statement of the Problem                        6
Purpose of the Study                        7
Scope of the Study                            7
Significance of the study                        7
Hypothesis                                8
Definition of Terms                        9

CHAPTER 2: REVIEW OF RELATED LITERATURE       
The role of commercial Banks in Nigeria Economy    11   
Causes of Non-performing accounts/ credits        13   
Techniques though which banks can minimize        15
The purpose and importance of commercial
banks in Nigeria                        20
Historical Background of Union                27

CHAPTER 3:  RESEARCH METHODOLOGY            
   The Design of the Study                        29      
 Population of the Study                        29   
Sample and Sampling Techniques                30
Instrument for Data Collection                    31
Validity Reliability of Instrument                33
Method of Data Collection                    33   
Method of Data Analysis                        34           
CHAPTER 4:  DATA PRESENTATION AND ANALYSIS  36           


CHAPTER 5: DISCUSSION OF RESULTS       
Discussion of Findings                            60
Recommendation                                63
Limitation of Study                            64
Suggestion/ Area for further studies                    64
Conclusion                                    65
Appendix I                               
Appendix II                                    68