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Mergers and Acquisition and the Business Development in the Banking Sector

Mergers and Acquisition and the Business Development in the Banking Sector

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DEDICATION

This research material, titled “Mergers and Acquisition and the Business Development in the Banking Sector” 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 Business Administration and Management (BAM) for their invaluable guidance and support. I also acknowledge the contributions of authors and scholars whose works on Mergers and Acquisition and the Business Development in the Banking Sector 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.




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”



    Mergers and Acquisition and the Business Development in the Banking Sector



    Introduction

    1.1 Background of the Study

    Nigerian economy is faced with national and global economic challenges and such, the financial institutions, especially the banking sector has an option of sanitizing and restructuring its operational processes in order to revive the depressed economy, as well as embarking on a consolidation exercise which would have some wider structural effects on industry and on the economy as a whole.

    Basically, banking is a service industry operated by human being for the benefit of the general public while making returns to the shareholders as such, it is natural that the services provided thereof by the industry cannot be 100% efficient;

    However, there is always a room for improvement it is on this statement that the index of our further discussion on this study is based, the banking sector and the business development in the third world economics has been grossly under managed when compared with their counterparts in the developed countries of the world.

    These has made it imperative for Nigerian banks to sanitize and re-build for their operational processes so as to be in line with the global trends, and to revive the depressed economy. Before the introduction of structural adjustment programme (SAP) in 1986, the banking sector was characterized by few banks. The operators of these banks had almost total control of the business development of banking as customers had to look for their service which most of the times were of poor quality. The managers, because of the pressure to provide banking services, had little time to market their bank services or design new products to improve their customer’s service and at the same time, they received changes based on the approved tariff. Competition was minimal and customers could spend long hears trying to obtain service in the banking hall due to long queues.

    The quality of the bank staff was poor, they were rude to their customers and most of the time; they peet they were doing a favour to their customers as at that time, no Nigerian bank had neither a simple computer nor a network of computers for online banking in the area of credit-appraisal, Ezeikpe (1993) observed that they were too conservative in extending credit facilities, the system was highly under banked while the payment mechanism was filled with imperfection such that locally drawn cheques took more than one week to clear.


    1.2 Statement of the Problem

    Evidence has shown that the banking business is undergoing several transformations with the increased deregulation and liberalization of the business, their structural changes are unavoidable; hence the current wave of restructuring in the sector is to respond adequately to the fast changing and increasingly competitive business in order to revive. Banks that are unable to restructure in line with the global revolution in the industry showed be ready to go down the drain in the process and be liquidated.

    Between 1991 and 1997, a total of 31 Nigerian banks have been liquidated by the NDIC due to their protracted problem of distress, but some of the casualtive would have been averted if appropriate restructuring strategies were implemented. In these era of customer’s sophistication and advancement in information technology, bank management should learn to be proactive and more efficient in product/service delivery, they should continually review their operational strategy in readiness for the on-going global challenges, more so, as customers are becoming aware of their environment and ready to move their funds to where their demand would be adequately met while yearning for more personalized service in consideration of the above challenges one may ask, how effective is the merges and acquisition system and the business development strategies adopted by banks on the peace of economic depression?

    Has information technology been given adequate attention? Do bank mergers achieve the desired synergy? How for could, the result of the exercise be sustained without abandoning the strategy? How can mergers and acquisition improve the activities in the banking sector? These stated problems together with the research questions below are what the researcher tries to encapsulate in the research topic with a view to providing their answers in the course of this research.


    1.3 Objectives of the Study

    In dealing with the above stated problems, the study seeks to achieve the following objectives:

    1. To find out if the volume of assets of banks were improved after the mergers and acquisition and the business development strategies were employed.
    2. To find out how mergers and acquisition and the business development strategies adopted by the bank have affected deposit mobilization.
    3. To ascertain the extent the depositors confidence have been restored in the mergers and acquisition and the business development strategies employed by banks.
    4. To ascertain whether profitability of banks were improved as a result of the mergers and acquisition and the business development.
    5. To find out if the volume of loans and advances improved after adopting the mergers and acquisition and the business development strategies.
    6. To examine how mergers and acquisition and the business development strategies adopted by banks impacted on the shareholder’s funds.

    1.4 Research Questions

    In trying to make a critical analysis of mergers and acquisition and the business development strategies in the banking sector through sanitization of the banking industry for growth and stability, the following question will be very important as the researcher tries to provide answers to those mind bugging questions which are;

    1. Has there been increase in the volume of assets of banks after the mergers and acquisition and the business development strategies were employed.
    2. Has mergers and acquisition and the business development strategies adopted by the bank affected deposit mobilization?
    3. Has they been improvement in the profitability of banks as a result of the mergers and acquisition and business development
    4. Has there been improvement in the volume of loans and advance after the adoption of the merger and acquisition and the business strategies through sanitizing.
    5. Has merger and acquisition and the business development strategies adopted by banks impacted on the shareholders fund of the affected bank.

    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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    In preparation for defending a project or seminar on Mergers and Acquisition and the Business Development in the Banking Sector, it is imperative that as a nursing student, you demonstrate comprehensive knowledge of your research. The defense process is structured to include presenting your work, answering questions, and illustrating its pertinence. Initially, provide a succinct yet thorough introduction to your research topic, emphasizing its importance and the objectives, ensuring that both the audience and the External Examiner can understand the scope of your study.


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