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Below are some problems facing Commercial Banking in Nigeria:
1. Lack of necessary Collateral Securities: Most prospective borrowers do not possess this quality and it reduces lending power which affects banks’ prospects.
2. Non–repayment of Loans: Many borrowers do not repay their loans. This has adverse effects on the banks involved.
3. Concentration of Banks/Branches in UrbanCenters: This denies commercial banks to have access to rural funds.
4. Strict Government Control: This
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