Securities: The Usage to a Lending Banker

Akinyemi Balogun, Mamidu A. Ishola


This paper researched into why provision of collateral security by a bank customer is not a 100% guarantee that facilities sought for. The prerequisite for granting facilities includes: good character-integrity, strong financial capacity, repayment proposal, the purpose of the loan, the ratio/proportion of the loan/facilities sought-for to that of the security offered. The lending banker should also consider relevant accounting ratios. The real security is the integrity of the borrower; lending proposition must be favorable so that the question of security becomes secondary.


Bank customer; Securities; Lending banker and facilities

Full Text:



Adekanye, F. (1986). Practice of banking (Vol.1, p.15). London Collins Ltd.

Adekanye, F. (1986). Element of banking in Nigeria (3rd ed.) (p.299). Lagos: F & A Publishers.

Adekanye, F. (1986). Practice of banking (Vol.1, p.11). Collins Ltd.

Best, J. W., & Kahn, J. V. (1989). Research in education (6th ed.). New Delhi: Prentice- Hall India Private Ltd.

David, C. (1981). Success in element of banking (Revised ed.). Great Britain: John Murray Ltd.

David, C. (1991). Success element of banking. Published by: John Murray Ltd.

Ituwe, C.E. (1982). Elements of practical banking. Ibadan: University Press Ltd.

Layi & Afolabi. (1990). Law & practice of banking. Lagos: Top Golden Nig. Ltd.

Onanuga, A., & Tand Oshinloye M. O. B. (1999). Practice of banking. Centre for Sandwich Programmes Ogun State University.

Perry, F. E. (1979). The elements banking (2nd ed.). Great Britain: Chancer Press.



  • There are currently no refbacks.

Copyright (c)

Share us to:   


  • How to do online submission to another Journal?
  • If you have already registered in Journal A, then how can you submit another article to Journal B? It takes two steps to make it happen:

1. Register yourself in Journal B as an Author

  • Find the journal you want to submit to in CATEGORIES, click on “VIEW JOURNAL”, “Online Submissions”, “GO TO LOGIN” and “Edit My Profile”. Check “Author” on the “Edit Profile” page, then “Save”.

2. Submission

Submit an Article

  • Go to “User Home”, and click on “Author” under the name of Journal B. You may start a New Submission by clicking on “CLICK HERE”.
  • We only use three mailboxes as follows to deal with issues about paper acceptance, payment and submission of electronic versions of our journals to databases:;;

 Articles published in Canadian Social Science are licensed under Creative Commons Attribution 4.0 (CC-BY).


Address1020 Bouvier Street, Suite 400, Quebec City, Quebec, G2K 0K9, Canada.

Website: Http:// Http://,

Copyright © Canadian Academy of Oriental and Occidental Culture