Credit extension is an essential function of banks, financial and other lending institutions and their management strive to satisfy the legitimate credit needs of the community it tends to serve. This training has the objective to evaluate or appraise various techniques in the administration of Bank lending from the point of disbursement to the point of recovery. It identifies causes of increased level of bad debt. The program will also identify reasons for bad debts provisioning and recommend appropriate strategies that may be appropriate in reducing debts write off. The training also has further objective of ascertaining credit appraisals and the effect of bad debt provisions on income of Banks and advanced policy for administration and management of Banks and other lending institutions.