Description
ABSTRACT
This research project was centered on appraising the investment and lending activities of commercial banks in Nigeria, in using Diamond bank plc and Afribank Plc as a case study. The overriding objectives were to ascertain the level of reconciliation between profit maximization objective and adequate liquidity, the relationship that exist between deposit level and profit level and the effect of monetary and fiscal policies on investment and lending ability of the commercial banks. In the literature review, such issues were in the highlights – nature of investment and lending, the need for bank lending and investment, Diamond bank Plc and Afribank investment and lending activities. Primary and secondary methods of data collection were used in obtaining relevant information used in writing this project.
Tabular presentation was used in presentation of data, analysis of data was done using percentages, chi-square was used in testing the relevant hypothesis and the result was interpreted based on the decision rules stated. The work concluded that bank lending and investment are the highest earning assets and contributes to the profitability of bank and practical recommendations were made based on the findings such as character, integrity, policy and ability of the borrower should be the most important factor in lending and not collateral provided and that there is need for standard and computerized national identification card for Nigerian citizenry.
TABLE OF CONTENTS
i TITLE PAGE
ii APPROVAL PAGE
iii DEDICATION
iv ACKNOWLEDGEMENT
v ABSTRACT
vi TABLE OF CONTENTS
CHAPTER ONE
INTRODUCTION
1.1 Background of the study
1.2 Statement of the problem
1.3 Objectives of the study
1.4 Research questions
1.5 Statement of hypothesis
1.6 Significance of the study
1.7 Scope of the study
1.8 Limitation of the study
1.9 Definition of terms
CHAPTER TWO
2.0 LITERATURE REVIEW
2.1 Introduction
2.2 Nature of investment and lending in Nigerian bank
2.3 The need for bank lending and investment activities in Nigeria
2.4 Investment and lending activities of Afribank and Diamond bank
2.5 Reforms of the commercial banks
2.6 Analysis of the impact of the banking sector lending and investment activities in the economy
2.7 Loan administration and management in Afribank and Diamond bank
2.8 The role of information technology in the lending and investment activities of Afribank and Diamond bank
2.9 Challenges facing Nigerian banks on lending and investment activities
CHAPTER THREE
3.0 RESEARCH METHODOLOGY
3.1 Introduction
3.2 Research design
3.3 Source of data
3.4 Population of study
3.5 Sampling design
3.6 Data collection method/techniques
3.7 Procedure for processing and
analysis of data
CHAPTER FOUR
4.0 Presentation and Analysis of Data
4.1 Presentation of Data
4.2 Analysis of data
4.3 Testing of hypothesis
CHAPTER FIVE
5.0 Summary, Conclusion and Recommendation
5.1 Introduction
5.2 Summary of findings
5.3 Conclusion
5.4 Recommendation
References
Bibliography
Appendix