This research work was undertaken to assess the bank deposits and their impact on lending policies. This work was intended to achieve the following objectives: to apprise and determine the lending procedure of banks, to highlight the extent to which improper project evaluation influence bad debts of money. Deposit banks. Relevant data were collected from both primary and secondary sources. Questionnaire was the main primary data collected instrument employed while data from various relevant publications constituted the source secondary data.
Upon the analysis of data, the following conclusion were drawn; that sound lending requires a clear-well articulated and easy accessible policy documents which spells out the philosophy of lending. On the basis of the above findings, it was recommended that banks should ensure that loans given out to customers should be backed-up with adequate collateral security. Finally, it is the opinion of the researcher that the management of bank deposit should prevent the incidence of bad debts in Nigerian banks.
1.1 Introduction
In this section, an Assessment of Bank Deposits and Their Impact on Lending Policy is discussed, with relevant and recent citations. As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the aim and objectives of the study. Others are significance of the study, scope of work, research hypothesis and questions, limitation of the study and definition of terms.