CREDIT ANALYSIS AND LOAN MANAGEMENT IN BANKING INDUSTRY (A CASE STUDY OF FIDELITY BANK PLC ENUGU)
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ABSTRACT
In business transaction, granting of credit facilities is quite universal. It is an acceptable method of financial business transaction and activities. Granting credit facilities to customers is a practice that cannot be avoided as long as business is concerned, to some sensitive sectors of the economy like banking industry, granting of credit and loans constitute their major earning that means, the larger the credit facilities, the fatter the interest receivable at the same time poor assessment and analysis of credit can be devastating. The risk not withstanding, granting of loans and credit facilities enhances economic growth and development of any nation credit provides the lubricant for continuity of transaction regardless of the immediate available cash. The choice of the topic is to evaluate how effective credit analysis can be utilized to ensure survival of the national economy and grow of banking industry.
In Nigeria, the rising cases of bank distress have also become a major source of concern for policy makers. As a result of attractive interest rate on deposits and loans, credits were given out indiscriminately without proper credit appraisal. The resultant effects were that many of these loans turn out to be bad. It is in realization of the consequence of deteriorating loan quality on the banking sector and the economy at large that this paper is motivated. This paper, therefore, attempts to evaluate the credit analysis and loan management in banking industry, using Fidelity Bank as a case study.
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