Keyword : Credit .Recovery Policies .Operations .Commercial banks
Author(s) : Oluwakayode David Oke
Abstract :
Banks occupy a central position in the financial system of any nation and are essential agents in the development of the economy. Bank lending policy and recovery strategies have impact on profitability. This study therefore, assesses credit recovery policies on the operations of commercial banks, using the United Bank for Africa (UBA) Plc as the case study. The study is a descriptive survey research. Ninety six (96) copies of questionnaire were administered to the junior and senior staff of UBA Plc in Ilorin through random sampling technique. Data were analyzed using frequency counts and percentage while the chi square was used to test the hypotheses. The findings revealed that: i) there is a significant relationship between credit recovery policy and profitability, ii) there is a relationship between recovery policies and bank liquidity. Based on these findings, it was recommended that the CBN monetary policies, especially on credit policy of commercial banks should be more favorable to banks. Besides, there is the need for regular research and feasibility studies SSA to be conducted by government agents and organizations on bank lending policy and recovery strategies in order to improve profitability in the bank. There is also the need for the CBN to always organize training workshops and seminars on lending policy and recovery strategies in order to improve bank performance.
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