ABSTRACT

 Banks have money 2S their object of and main stock in trade. After mobilization of money for loans and advances, the most challenging issue that face these banks is the capability of the customers to repay these 'oans and advance granted to them along side with the interest when the whole thing falls due; U any of the customers happened not to meet up the deadline for the repayment of his/her loan, this brings about bad and doubtful debts in banks, the main problems are, the inability of the credit departments in banks to have the proper assessment of the customers credit worthiness is another factor that have caused the increase of bad and doubtful debt. Hence these recurring circumstances has inspired this researcher to cioose his topic: The emerging challenges of management of bad and doubtful debts in commercial banks. The objective of this study is to identify extensively the extent and the reasons why banks have had a problem in the management of debts, and the significant difference which exits between the management of bad and doubtful debts under the prudential guidelines of Central Bank in the old and new dispensation. Chapter two deals with the literature review of this research topic. Following a more empirical approach based on the methodology adopted both primary and secondary data collected were used for detailed conduct of this research. Population of 30 persons were used and their responses sampled for relevant tests and analysis, the method of data collection involves questionnaire also statistical tools of chi-square (x2) was used for the rest of hypothesis while the final chapter deals with summary, conclusion and recommendation.