BACKGROUND OF THE STUDY 

Lending is the backbone of banking activities, it generally provides the larger part of a banks profits. Thus bank have lending policies to establish the direction ad use of funds from stock holders, depositions and creditors to control the composition and size of the loan part folio, an to determine the general circumstance under which it is appropriate to make an advance. The most important purpose of an empiricist lending policy is to provide guidance for the lending officers and thereby establish prudence for the lending officer in credit appraisal so that the risk/reward ratio will be satisfactory and danger of default minimized.

 The government or monetary authorities externally impose some of these  policies either in the form of loans or regulations while others develop from the nature of then banking system or by convention of the trade association, which transforms into practice in the profession. 

 This paper will therefore, which standard trust bank is one of them, along these lines, highlighting the process of credit appraisal security accepted as collateral within the controvert imposed by other environment variables. 

STATEMENT OF THE PROBLEMS 

Although lending policies and recovery procedures have been speculated to have important function as in achieving a good and effective system, but no empirical finding have studied this phenomena. Based on this gap in knowledge, this study will:

a. Evaluate the role of customer’s access to bank facilities on its performance.

b. Assess the influence of loan recovery procedures of banks and their performance.

c. Analyze the impact of environmentally induced lending methods on their performance.

d. Examine the role of environmentally induced recovery methods on their performance.

TABLE OF CONTENT

Title page 

Approval page 

Dedication 

Acknowledgement

Table of content

CHAPTER ONE 

1.1 Background of the study 

1.2 Statement of the problem 

1.3 Objective of the study 

1.4 Scope of the study 

1.5 Research questions

1.6 Research hypothesis 

1.7 Significance of the study 

1.8 Definition of terms 

CHAPTER TWO 

2.1 Role of banking in general Economic development 

2.2 Policies 

2.3 Characteristics of a good policy 

2.4 Procedure for taking securities for bank lending 

CHAPTER THREE

3.0 Research methodology 

3.1 Research design 

3.2 Area of design  

3.3 Population of the study 

3.4 Sample and sampling procedure 

3.5 Instrument of data collection

3.6 Validation of the instruments

3.7 Reliability of the instrument 

3.8 Method of data collection

3.9 Method of data analysis 

CHAPTER FOUR 

4.1 Findings 

CHAPTER FIVE 

5.0 Recommendation and conclusion 

5.1 Recommendation 

5.2 Conclusion