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Thesis abstract on money lending activities


thesis abstract on money lending activities

branch network across the country to 75 with atms increasing to 108. Loans are the dominant asset and represent 50-75 percent of the total amount at most banks, they are the major contributor of operating income and represent the banks greater risk exposure (Mac Donald and Koch, 2006). In Africa the concept of credit was largely appreciated in the 1950s when most banks started opening the credit sections to extend loans to white settlers. What is the impact of loan default on Fidelity Bank profitability? Credit scoring reduces subjective judgment and possible bias during the credit assessment process (Holger Kraft, 2002). The Basel Committee on Banking Supervision (2001) documents that for most banks, loans are the largest and most obvious source of credit risk; however, other sources of credit risk exist throughout the activities of a bank, including in the banking book and in the trading. The special interest of the researcher in this study is to provide related evidence using secondary data and empirical analysis, which provides a more valid and verifiable estimation of the effect of bad loans on banks.

Thesis abstract on money lending activities
thesis abstract on money lending activities

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Examine the type of Fidelity Bank clients who normally default. Rather, credit proposals and the granting of loans should be based on sound fundamentals, supported by a thorough financial and risk analysis. Indeed, over the years banks are also increasingly facing credit risk (or counterparty risk21) in various financial instruments other than loans, including acceptances, interbank transactions, trade financing, foreign exchange transactions, financial futures, swaps, bonds, equities, options, and in the extension of commitments and guarantees, and. The literature has identified these reasons that could lead to potential credit risk. (1992) confirm that older borrowers are more risk adverse, and therefore the less likely to default. Since then,many theoretical and practical critisms have been developed against is include the fact that financial returns do not follow a Gaussian distribution or indeed any symmetric distribution, and those correlations between asset classes(Micheal, Sproul 1998).

The growing popularity of credit risk securitization can be put down to the fact that banks typically use the instrument of securitization to diversify concentrated credit risk exposures and to explore an alternative source of funding by realizing regulatory arbitrage and liquidity improvements when selling. Bloem and Gorter (2001) indicated that non-performing loans may rise considerably due to less predictable incidents such as the cost of petroleum products, prices of key export products, foreign exchange rates or interest rates change abruptly. The dependent variables were profitability. In achieving the research objectives primary and secondary data was used. The probability of default is higher for married than single borrowers. Default may occur if the debtor is either unwilling or unable to pay their debt. He explained that a lender lends money and does not give it away. Commercial banks contributed to economic growth by paying taxes and also creating employment.

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