ABSTRACT

This research work is titled Effect of debt management on the profitability of banks in Nigeria (A study of Uba Bank Plc). Debt management has posed a greater concern because of the level of perceived risk arising from credit relationship for clients or predictable business environment. The research problem that prompted the researcher to go into this area of study includes, inadequate collateral security. The researcher addresses several purpose amongst which is to ascertain the rate at which inadequate collateral security provision by borrowers increase the incidence of bad debts in Nigeria banks. The researcher has adopted survey research design in this project. The essence of this design is to enable the researcher gather information relevant to this project topic. The sample size was derived from a statistical formula by taro Yamane (1964). In the data collection the researcher made use of primary and secondary data. The statistical tool used for testing the hypotheses is the analysis of variance (14 N0VA). The study reveals that management and regulatory authorities should ensure safe banking since development of a country 's economy tied to the performance of financial institutions in such country. Having explored the issues involved in debt management, the researcher recommend that management and lending officers should adhere strictly to lending policies of their banks.