ABSTRACT

As a result of inherent problem of Nigeria commercial Banks, the researcher aim to study “credit delinquency” with a target of improving the financial sector of Nigeria. In this study, credit delinquency sums up to refers to all those polices, acts practices that are incidental to the smooth running or practice of banking business that has to do with loan analysis and management. For the purpose of this research, data was collected from primary and secondary sources such as published annual reports and account. (Secondary Sources)  personal interview (Primary sources). Structure questionnaire. The respondents were analyzed with the use of ratios tables percentage etc. The research revealed that the major problems of financial sector are bad management line efficiency and the adverse economic condition of the country based on the above findings the researcher recommend training loans and advances officers, strict adherence to principles of good lending proper credit analysis should be adhered to both banker and supervisors.

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