ABSTRACT
This research work will address the issue of lending problem loans (Bad debt) and also the techniques of minimizing it.
In the ordinary course of lending, Banks increase bad debt, which are charged against the income generated. Indeed many banks are at the verge of collapse, because of the impact and effects of bad debt and its ineffective management.
The nature of project writing in ordinary National Diploma level demands that the source of collecting data should be secondary, hence the researcher did not use interviews and questionnaires, but the research conducted was only limited to already published materials.
The researcher discovered that problem loans do not just occur, they are caused by variety of factors, and some are controllable while others are not.
Generally, bad debt has a negative impact in the operations of banks. It is anathema to sound banking system, therefore financial analysis must work hard to control and manage it effectively.
The researcher recommended some possible solution and suggestion on the commercial bank lending techniques and also means of controlling bad debt.

TABLE OF CONTENTS                            Page
TITLE PAGE                                    i
APPROVAL PAGE                                ii
DEDICATION                                    iii
ACKNOWLEDGMENT                                iv
ABSTRACT                                            v
TABLE OF CONTENT
                                vi-vii
CHAPTER ONE
1.1 BACKGROUND OF THE STUDY                     1
1.2 STATEMENT OF THE PROBLEM                    1-2
1.3 OBJECTIVE OF THE STUDY                         2
1.4 SIGNIFICANCE OF THE STUDY                      3
1.5 LIMITATION OF THE STUDY                          3
1.6 DEFINITION OF TERMS   
                         4-5
CHAPTER TWO
2.0 REVIEW OF RELATED LITERATURE                    6
2.1 PRINCIPLES OF GOOD LENDING                                   6-19
2.2 BANK AND THE ECONOMY
                                                          20-21
CHAPTER THREE
3.0 RESEARCH DESIGN AND METHODOLOGY                  22
3.1 SOURCES OF DATA                                  22
3.2 LOCATION OF DATA                                          22-23
3.3 METHOD OF DATA COLLECTION
                         23
CHAPTER FOUR
4.0 FINDINGS                                         24
4.1 BANK RELATED FACTORS                                     24-25
4.2 CUSTOMER RELATED FACTORS                       25-26
4.3 UNCONTROLLABLE FACTORS                       26-27
4.4 WARNING SIGNALS                               27-28
4.5 EFFECTS OF BAD DEBT                                           28-29
4.6 LOAN RECOVERY MEASURES
                            
CHAPTER FIVE
5.0 RECOMMENDATIONS                                31-33
5.1 CONCLUSION                                   33-35
BIBLIOGRAPHY