THE IMPACT OF QUALITY LENDING ON BANKS PROFITABILITY
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- NGN 3000
ABSTRACT
This research presents the investigation into the impact of quality lending on banks profitability, GT bank in Otta Ogun state was used as the location for the study and a total of 40 staff was sampled. Data was gathered using a self -constructed questionnaire and the result gotten was analyzed using the simple percentage method, chi square was also used for the testing of the hypothesis. The validity and reliability of instrument were ascertained. The result of the study reveals that there is positive impact of quality lending on bank profitability, the study however recommend that monetary authorities should monitor the bank lending rates and make appropriate interventions. Specifically, in the event of poor performance of commercial banks, the authorities should facilitate the enhancement of the banks’ profitability with a monetary policy that would lead to a rise in interest rates.
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