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Distress in Banking Sector How to Avert Future Occurrence

Distress in Banking Sector How to Avert Future Occurrence

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DEDICATION

This research material, titled “Distress in Banking Sector How to Avert Future Occurrence” is dedicated to God for His boundless grace and guidance. It is also a tribute to all computer enthusiasts whose contributions made my research journey smoother and enriched my documentation process, making the experience truly fulfilling.



ACKNOWLEDGEMENT

I am profoundly grateful to everyone who contributed to the successful completion of this project. I am especially grateful to my Supervisor (Name), the Head of Department (Name), and the Lecturers in the Department of Banking and Finance (BF) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Distress in Banking Sector How to Avert Future Occurrence provided essential insights. Special thanks go to my study area (and any funding organizations, if applicable) for their financial assistance. I am equally thankful to stakeholders, including mentors, teachers, and colleagues, for their encouragement and support. Finally, I deeply appreciate my family and friends for their patience and unwavering support throughout this journey. Your contributions have been instrumental in making this research a reality.



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
    • 2.5 Research Gaps
    • 2.6 Summary of Literature Review

    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

    This study is based on x − raying financial distress in the banking sector, the apex transaction boot of our economy.

    It is however interesting to note that this study not only would expose also would examine the various mechanism that have been put in place, mostly and especially in the sector, for the handling of thesis may harm in our banking industry and economy.

    In this context, this study is expected to help other financial house of the Nigeria economy or the managerial cadre and government enforced discipline and strict measure to culprits and defaulters in the industry and this would enhance proper operation and healthy growth of the industry and economy.

    Secondary data instrument are mainly use by the researcher. The findings were made based on the data collected.

    It was discovered that poor financial planning weak control and supervising measures, lack of accounting database and government adverse policies or reforms were main cause of financial distress etc.

    The findings also revealed that the high rate of unqualified personal and indiscipline contributed greatly to this concept.

    In light of above findings, the researcher made some necessary and useful recommendation that if government and financial banking management adhere to would help to arrest and foster rapid growth and increase profit maximization to the banking sector and boost our economic and economy position.


    Distress in Banking Sector How to Avert Future Occurrence

    CHAPTER ONE

    Introduction

    1.1 Statement Of The Problem

    The Nigeria banking industry, the issue of financial misappropriation and management is no more stories but some thing that is condemned by the society.

    Stress in the financial sector mainly banking has led to a great loss and economic degeneration due to lack of proper guideline and set standard in the industry (Ebihodaghe (1994) to this effect, the economy has suffered drastically in the recent time, this problem has cause and created so many hardship to the bank and their shareholders, Bellow (1993) most of the distressed bank in Nigeria suffered from fraud, lack of organization and managerial powers and proficiency. This also contributed significantly to the liquidation of some banks. The big question is how fine will our banking industry grow with the rate of the phenomenon” distress?

    The problem of this study now centers on, how to prevent distress in Nigeria banking industry so that the economy can grow and develop

    1.2 Rationale Of The Study

    Talking about the reason of the study it has to do with bank operation and the failure distress of the sector and also it will be necessary find out the causes of bank failure and suggesting ways of averting future occurrence with acceptable and efficient strategies.

    1.3 Significance Of The Study

    Significance of the study is to tell how benefit it is go to be. Those who will benefit from this study include

    Bank

    It will help the banks to operate with profitability; credibility and playing the role of banking intermediation effectively and efficiently.

    Industry

    However it help the industries in putting them operation whether daily or number distribution of events in the institution (bank) and how to prevent them future occurrence

    1.4 Background Of The Study

    Banks are regarded as an indispensable element in the development and growth of any economy. The success or otherwise of the banking sector is a parameter on which economic activities are measured. It is against this background that it is stated that a healthy banking system is a sign of good health of the entire economy. Distress has far reaching consequences on the economy of the country some of the implications are discussed here under:

    1. The situation lead to deposit run this is the withdrawal of deposit by customers from the distress banks. It affects adversely the liquidity and earning capacity of the banks and consequently resulting to decline in availability of ingestible funds in the economy
    2. Secondly, bank distress lead to increase in interest rates as depositors ask for higher rates of return for perceived higher chances of bank failure and consequent risk of financial loss.
    3. Bank distress cause unemployment through retrenchment of workers in the distressed banks. This has adverse consequences of the retrench staff. It leads to fall in aggregate demand and consequently a reduction in the product win level.
    4. Bank distress in the long run may degenerate into bank failure and loss of depositor funds. The maximum amount refundable to each account holder under the NDIC cover for failed banks is #50.000.00 irrespective of the value of deposit.
    5. Further, it leads to decline in foreign investment in the country. Due to fear of uncertain investment climate come foreign investors may prefer to close their account with the distressed banks and transfer their funds to other countries with more stable investment atmosphere.

    1.5 Definition Of Terms

    In this study, the definition of terms could go through the topic to how the meaning of the topic of the project “ distress in the banking sector how to avert future occurrence, audit, prevent, banks, distress, economy, guideline, liquidity, portfolio, practice, commercial banks, community banks, merchant bank and deregulation.

    Audit

    Official check and analysis of account by an expert

    Prevent

    A measure aimed to prevent or turn away a consequence of an activity

    Banks

    Is an institution where keeping of money and leading on issue of credit and loans is obtained

    Distress

    An array activity, action or event that brings great sorrow or pain

    Economy

    Community system of using its resource to produce wealth, state of a country prosperity

    Guideline

    A set of advice to follow low down procedure of rules

    Liquidity

    The measure or mean of being to change asset into cash (liquid cash)

    Portfolio

    This can be defined in financial as collection of share distribution in term of loan and advance, on sectorally even

    Practice

    This is putting operation whether daily or routine distribution of event in the instruction (banks)

    Merchant bank

    Are financial institution, established by law to provide and to engage in wholesale banking, medium and long term financing equipment and long term financing equipment leasing debt. Factoring: investment management etc.

    Community banks

    This is self sustaining financial institution owned and managed by a community or group of communities for the purpose of providing credit deposit and other financial services

    Commercial bank

    Is institution who collect or institution establish by law to perform some function which include deposit, acceptance, agency service, bailment, funding, transfer and executorships function.

    …

    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 conceputal review, theoretical framework, the review of related literature …

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