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Banking Inspection and Examination as an Aid to Effective Banking Management

Banking Inspection and Examination as an Aid to Effective Banking Management

Project / Seminar Material
Reference ID: PS-11145-TM

DEDICATION

This research material titled “Banking Inspection and Examination as an Aid to Effective Banking Management” is dedicated to God for his enabling grace, and to all computer enthusiasts who contributed to make life a pleasant experience during my research documentation.

ACKNOWLEDGEMENT

I extend my sincere gratitude to all those who contributed to the completion of this project. Special thanks to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Banking and Finance (BF), Book Authors and Profound Scholars of existing or related project material on “Banking Inspection and Examination as an Aid to Effective Banking Management” for their invaluable guidance, support, and expertise throughout the journey.

I am also grateful to your study area (mention any funding organizations, if applicable) for their financial assistance. This research would not have been possible without the encouragement and assistance of some stakeholders (mention any mentors, teachers, or colleagues). Additionally, I would like to acknowledge the understanding and patience of my family and friends during this endeavor. Your unwavering support has been a constant source of motivation. Thank you all for being part of this meaningful endeavor.

TABLE OF CONTENTS

PRELIMINARY PAGES

CHAPTER ONE

INTRODUCTION

    CHAPTER TWO

    LITERATURE REVIEW

    • 2.1 Introduction
    • 2.2 Conceptual Review
    • 2.3 Theoretical Framework
    • ⋮
    • 2.4 Empirical Studies

    CHAPTER THREE

    RESEARCH METHODOLOGY

    • 3.1 Introduction
    • 3.2 Research Design
    • 3.3 Population of Study
    • 3.4 Sampling and Sampling Technique
    • 3.5 Validation of Research Instrument
    • 3.6 Method of Data Collection
    • 3.7 Method of Data Analysis
    • 3.8 Questionnaire Administration
    • 3.9 Ethical Consideration
    • 3.10 Statistical Analysis

    CHAPTER FOUR

    DATA ANALYSIS, RESULT AND DISCUSSION

    • 4.1 Introduction
    • 4.2 Presentation and Analysis of Data
    • 4.3 Re-statement of Research Questions
    • 4.4 Test of Hypotheses
    • 4.5 Discussion of Findings

    CHAPTER FIVE

    SUMMARY, CONCLUSION AND RECOMMENDATION

    • 5.1 Introduction
    • 5.2 Summary of Findings
    • 5.3 Conclusion
    • 5.4 Recommendation
    • 5.5 Suggestion for Further Study

    REFERENCES

    APPENDIX A - “QUESTIONNAIRE”

    ABSTRACT

    The objective of this study was to explore the possible banking inspection as an aid to effective bank management with particular reference to UBA Plc Enugu.

    To guide this research, the following eight research questions were formulated as thus

    1. What are the control measures against the bad debt in the bank being achieved?
    2. To what extent are the workers being assured of jobs?
    3. What are the control measures against the bad debt in the bank being achieved?
    4. To what extent are human and non-human resources adequate for efficient inspection in the bank?
    5. To what extent has the bank provision against computer found being checked?

    A structured questionnaire developed by the researcher was administered to a total of 102 male and female staff of UBA Plc, Enugu.

    They were selected using the sample of 50 population. Hence the data collected and analyses using percentages.

    The major findings among other are:

    1. Those males are majority in UBA Plc, Enugu.
    2. Greater majority of the staff have served for 6 to 10 years and more.
    3. Majority are WASC/GCE holders.
    4. Greater majority of the staff are married.
    5. Resources are not adequate except few resources items.
    6. Computer fraud has not been experienced in UBA Plc, Enugu.
    7. Interference and job/position insecurity of inspector’s effects objectivity report and recommendation.
    8. Also non-implementation of provisions reports effect inspector’s functions.
    9. Bad debt occurred in UBA always based on the findings.

    The major recommendations were as follows:

    1. In service training should be given to staff an regular basis to get abreast with demands of the time.
    2. Use delegation as a supervisory strategy to be in professional touch despite physical remoteness in all sectors of the banks.
    3. Seminars, staff meeting, individual conference, demonstration service, provision of office bulletin and make people closer.
    4. Promotion of good working relationship by cultivating desirable temperament.
    5. Leadership functions such as coordinating, researching and servicing should be taken serious as a lore development in the bank.
    6. Staff safety and welfare must be assured for continuity.

    Banking Inspection and Examination as an Aid to Effective Banking Management

    CHAPTER ONE

    Introduction

    1.1 Background To The Study

    The banking act of 1969 defined banking business as the business of receiving monies from outside resources as deposits, irrespective of the payment of interest and the granting of money loans and cheques, or the purchase and sales of securities for accounts of others or the incurring of the obligation to acquire claims in respect of loans prior to their maturity or the assumption of guarantees and other warranties for others.

    In Nigeria, the banking business is being operated by the central bank of Nigeria CBN which acts as the apex bank commercial banks, merchant banks and of course the people’s and community bank established by various decrees promulgated by the federal military government.

    Commercial banking actuates started in Nigeria in 1892 when the African Banking Corporation commenced its bank work in Lagos.

    One of the basic roles of the central bank of Nigeria is the supervision and control of other banks.

    The CBN’s objective and goals of banking inspection and examination are:

    1. To develop a sound banking system
    2. To protect depositors and creditors of the bank.
    3. To provide adequate banking services in all part of the country.
    4. To promote rapid economic development throughout the country.

    The bank examination department of CBN was created by Sec. 20 of the banking act of (1969).

    The powers of the banking act include:

    1. The appraisal of the management with special attention to competence and general effectiveness
    2. Appraisal of the system of operation procedure and control.
    3. Assessment of the adequate of capital structure in relation to the size of business.

    At the management level of each bank (Commercial, Merchant etc) a system of inspection and control exists to ensure that these guideline are followed and also ensure that loans are not indiscriminating issues by manager. The interest of the owners as well as the staff of such banks are also protected by this.

    1.2 Statement Of Problem

    The problems are:

    1. Lack of fraud prevention and determination in banking institution as a result of poor inspection and examination.
    2. Ineffective banking management caused by essence of bank inspection and examination.
    3. Non compliance by bank manager with CBN and other government regulations on granting loans.
    4. Non protection of the bank depositors and creditors interest.

    1.3 The Purpose Of This Study Are

    1. To determine whether bank inspection and examination has helped in the prevent and detection of fraud.
    2. To determine how bank inspection and examination can be of assistance to effective bank management.
    3. To find out whether bank managers comply with CBN and other government regulations on granting of loans.
    4. To know how bank inspection and examination has helped in protecting the interest of depositors and creditors of the bank.

    1.4 Scope Of The Study

    The scope of this work is limited to United Bank for African Plc, Agbai Road, Enugu that is second to the larges within the metropoly.

    1.5 Research Questions

    1. Does the bank inspection a well as its examination helps in the prevention and detection of fraud.
    2. Do bank inspection and examination assist in ensuring effectiveness in bank management.
    3. Do the bank manager comply with CBN and government regulations in granting of loans.
    4. To what extent have bank inspection and examination helped in protecting the interest of depositors and creditors of the bank.

    1.6 Significance Of The Study

    The researcher wished that through this study the doubts and fears instigated in the minds of the general public as a result of the (insecurity of their money) distresses in banking would be cleared.

    This study also will be of benefit to bank inspectors, external auditors, accountants, bank management, bank depositors and creditors and the general public who rely much on inspection reports.

    The researcher also helps that the result of this study will restore trust and dignity of the banking system in Nigeria.

    …

    CHAPTER TWO

    2.0 Literature Review

    2.1 Introduction

    This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the …

    Summary Headlines for Banking Inspection and Examination as an Aid to Effective Banking Management



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