CHAPTER ONE
1.0 INTRODUCTION
Banks generally provide avenue for saving to those who have surplus funds. The surplus deposits are then lent out to the needy personal, cooperate bodies and business customers in form of loans, advances and overdrafts. This proves the statement that “Banks serves as major intermediaries between the demand sector (which need credit to finance projects) and the supply sector (which provide such loan-able funds for such investments)”. Credits facilities are usually in form of loans, advances, bills discounted bonds and over drafts. Lending is one of the most intricate services rendered by banks and credit facilities are integral part of bank lending. Therefore, this project will in detail analyze the basic principles of bank lending and the mechanics of safe lending permeating the financial statement and interpretation. It is an indisputable fact that most important asset items in the balance sheet of commercial banks are loans and advances; these items are reported for some good reason. From the bank perspectives they are the largest sources of income.
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