Bank Distress A Critical Review Of The Causes And Possible Control In Banking Industry
(A Case Study Of N.D.I.C Enugu)
Bank distress in Nigeria has reached a crisis point that it has become a key issue for discussion of all within and outside the banking industry.
It is undoubtedly one of the biggest and most serious issues facing our society today.
In 1993, it was discovered and reported that out of 116 (one hundred and sixteen) banks in Nigeria 57 (fifty seven) of them were distressed on average of 48%. This has affected the depositions, the industry, that is the banking industry, government and staff of the affected banks adversely.
OBJECTIVES
The researcher understand that the distress in the Nigerian banking industry and the increasing wave of financial malpractice in banks if not arrested will lead to the collapse of the Nigerian economy. In this regard, an attempt have been made to identify the possible pills for the total eradication of at least control of these distress in order to reduced the negative impact on the economy.
METHODOLOGY
The method of investigation used by the researcher is based on the analyses the experience of the Nigeria regulatory authorities that is the Central Bank of Nigeria (CBN) and the Nigeria Deposit Insurance Corporation (NDIC) and success so far achieved like questionnaire and interviews.
FINDINGS
No study known to the researcher has been conducted which directly focuses on control of banks distress in Nigeria. Probably that is because it is a new phenomena in the Nigeria banking industry.
However, banks found and other financial malpractices have become so pervasive that both the government supervisory authorities and the law enforcement agencies have galvanized efforts to forestall the menace.
CONCLUSION
The feelings generally expressed have been for decisive steps to be taken to salvage the banking industry. Bank distress has to be reduced to the bearest minimum for a healthy economy to thrive in Nigeria.
These steps are discussed in this research work.
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ii Title page
iii Approval
iv Certification
v Dedication
vi Acknowledgement
viii Abstract
x Table of contents
CHAPTER ONE:
Introduction 1
1.1 Background of the Study 1
1.2 Statement of the Problem 3
1.3 Objective of the Study 5
1.4 Research Questions 6
1.5 Research Hypothesis 6
1.6 Scope and Limitation 7
1.7 Significance of the Study 8
1.8 Definition of Terms 9
References 10
CHAPTER TWO
2.0 Review of Related Literature 11
2.1 Definitions 12
2.2 Causes of Bank Distress 12
2.3 Techniques for Identifying
Potentially Distress Banks 20
2.4 Common Features Used in Identifying
Potentially Distressed Banks 21
2.5 Common Features Used in Identifying
Technically Insolvent or Distressed Banks 28
2.6 Control of Bank Distressed in Nigeria 29
References 40
CHAPTER THREE
3.0 Research Design and Methodology 42
3.1 Research Design 42
3.2 Area of Study 43
3.3 Population 43
3.4 Sample and Sampling Techniques 43
3.5 Instruments of Data Collection 45
3.6 Methods of Data Presentation 45
3.7 Methods of Data Analysis 47
References 48
CHAPTER FOUR
4.1 Data Presentation and Analysis 49
4.2 Test of Hypothesis 59
CHAPTER FIVE:
Findings, Summary, Recommendations and Conclusion 64
5.1 Findings and Summary 64
5.2 Recommendation 66
5.3 Conclusion 69
References 71
Bibliography 72
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