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A
research project was carried out as an opinion survey to determine the role of
Nigerian Monetary Authorities in Bank Distress prevention from 1990 to 2005. A
sample size of ‘68’ was arrived at using ‘204 randomly selected staff from
CBN. NDIC and First Bank of Nigeria Plc Uwani branch as the population
size. The research works consist of five chapters, which will be discoursed one
by one. Chapter one includes the introduction, statement of problem, objectives
of the study, the research questions, statement of hypothesis, the significance
of the study, limitations of the study and definition of operational terms. Chapter
two is the review of related literature. This chapter discussed the
nature of Nigerian deposit insurance company, and also discussed the causes and
implications of distress on the economy the chapter also discussed the roles
which the monetary authorities play to prevent bank distress and its effectiveness.
Chapter
three which is the research methodology includes the research design, the area
of study, the population, sampling technique, the instrument of data collection
and the method of data analysis.
Chapter
four of the study includes the presentation, analysis and interpretation of
data. The sixty eight (68) questionnaires which were distributed was
analysed through the use of table. The statistical method, which is used
in analyzing the result of the information, are the simple percentage and
chi-square (X2).
Chapter
five of the study consists of the summary of findings, conclusion and
recommendation.
TABLE
OF CONTENTS
CHAPTER
ONE
1.0 Introduction
1.2 Background
of the study
1.3 Objectives
of the study
1.4 Research
questions
1.5 Statement
of hypothesis
1.6 Significance
of the study
1.7 Limitation
of the study
CHAPTER
TWO
2.0 Review
of related literature
2.1
Historical background of the study
2.2 Meaning
of bank distress
2.3 The
nature of Nigeria deposit insurance company (NDIC)
2.4 Reasons
for establishing the deposit insurance scheme in Nigeria
2.5 Establishment
of central bank of Nigeria (CBN)
2.6 Functions
of the central bank of Nigeria (CBN)
2.7 Recent
developments in the banking sector and bank distress
2.8 Distress
defined
2.9 Causes
of bank distress in Nigeria
2.10 Implications
of distress on the economy
2.11 The
role of the regulatory authorities in preventing bank distress through the use
of “CAMEL”
2.12 Effectiveness
of distress prevention measures
2.13 Lessons
and challenges of handling bank distress
CHAPTER
THREE
3.0 Research
methodology
3.1
Research design and methodology
3.2 Research
design
3.3 Area
of study
3.4 Population
3.5 Sample
and sampling technique
3.6 Instrument
of data collection
3.7 Method
of data presentation
3.8 Method
of data analysis
CHAPTER
FOUR
4.0 Presentation,
analysis and interpretation of data
4.1
Questionnaire analysis
4.2 Testing
of hypothesis
CHAPTER
FIVE
5.0 Summary
of findings, conclusion and recommendation
5.1
Summary
5.2 Conclusion
5.3 Recommendation
CHAPTER
ONE
INTRODUCTION
1.1 BACKGROUND
OF THE STUDY
The
deteriorating condition of financial institutions particularly banks has
remained a problem of great concern to policy makers. It is now a well
know fact that there is wide spread distress in the banking system and despite
the measures recently taken by the government as well as bank regulators and
supervisors, there remain fear that the problem is not over yet and is being
suppressed and not being suppressed and not being dealt with decisively.
Banking
crisis is not limited in Nigeria, it is also present in other parts of African,
latin America, Asia, Europe and North America. Infact, it is a
development that has come to be associated in particular with economic in which
financial liberalization is being or has been implemented.
There
is wide spread belief that banks occupy unique positions in most economics,
both developed and developing countries, as creators of money, the principal
depository of savings, major allocators of credit, and the manager of the
country’s payment mechanism. Consequently, the government often deem it
necessary to formulate policies, for the soundness, efficiency and safety of
the bank industry. The monetary authority has the responsibility for the
supervisor of the banking system. This responsibility is discharged by
undertaking both of site and on-set examination of the books of the
banks. The provisions among other things cover minimum capital
requirements, returns to be submitted to the CBN Central Bank of Nigeria by
banks, power of the CBN to conduct routine and special examination and power of
the CBN to revoke a bank’s license.
1.2 STATEMENT
OF THE PROBLEM
This
work seeks to determine the role of Nigerian Monetary Authorities in Bank
Distress prevention from 1990 to 2005.
Distress
in the Nigerian banking system is a phenomenon that must be tackled with every
amount of vigour by CBN/NDIC in order to minimize its occurrence in the economy
in this light, some possible corrective measures that could be adopted to
ameliorate the consequences of distress in the economy will be suggested.
1.3 OBJECTIVES
OF THE STUDY
The
specific objectives to the study includes:-
1.
To identify the monetary authorities involved in bank distress prevention
between 1990 and 2005.
2.
To find out and describe the role of NDIC in bank distress prevention since
1990 to 2005.
3.
To identify the guidelines CBN provided to banks inorder to prevent distress in
the banking system 1990-2005.
4.
To identify the role of federal ministry of finance in prevention of distress
in the banking system from 1990-2005.
5.
To find out the effectiveness of distress prevention measures “CAMEL” set up by
monetary authorities between 1990-2005.
1.4 RESEARCH
QUESTIONS
1.
Do the monetary authorities have any involvement in bank distress prevention
between 1990 and 2005?
2.
Do the NDIC play any role in bank distress prevention since 1990-2005.
3.
Do the CBN provide guidelines to banks in order to prevent distress in the
banking system?
4.
Do the federal ministry of finance play any role in the prevention of distress
in the banking industry.
5.
Has the distress prevention measure “CAMEL” set up by monetary authorities
effective in distress prevention between 1990-2005.
1.5 STATEMENT
OF HYPOTHESIS
For
the purpose of this study, the following hypothesis are formulated;
Ho:
Monetary authorities emphasis on the employment of qualified and honest
professionals by banks as a way of preventing bank distress in Nigeria.
Hi:
Monetary authorities do not emphasis on the employment of qualified and honest
professionals by banks as a way of preventing bank distress in Nigeria.
Ho:
Increasing minimum capital base requirement of banks every decade by the
monetary authorities will prevent distress in the banking system.
Hi:
Increasing minimum capital base requirement of banks every decade by the
monetary authorities will not prevent distress in the banking system.
1.6 SIGNIFICANCE
OF THE STUDY
The
significance of the study is its importance to the following.
1.
Government: This
research will be of tremendous use to the government and monetary authorities
in handling the issues of bank distress and to prevent its occurrence. It
will also give the government advice on strategies to embark on to improve
CBN/NDIC’s roles in financing distress in the banking sector.
2.
Financial Institutions:
It will be of great relevance to financial institution particularly banks in
checking their performance based on their ability to meet the following five
bank examination rating system “CAMEL”.
3.
Academic:
This study will provide data for future researchers on the subject matter.
1.7 DEFINITION
OF TERMS
1.
Bank: This
simply an institution, which accepts, deposits from the public and in turn
advances loans by creating credit.
2.
Central
Bank: This is a government owned bank which
is set up to help handle its transactions to coordinate and central other
banks. This is the Apex Bank.
3. Role:
The part played by somebody or something in the process of attaining a
particular goal.
4. Deposit
Insurance Scheme: This is a financial guarantee to depositors
particularly the small ones in the event of bank failure.
5. Distress:
This is the suffering caused by the wart of money and other necessary things.
6. Financial
Institutions: These
are places meant for financial assistance for the survival of young businesses
such as commercial banks, trustee companies, savings and loan association.
TOPIC: THE ROLE OF NIGERIAN MONETARY AUTHORITIES IN BANK DISTRESS PREVENTION
Chapters: 1 - 5
Delivery: Email
Delivery: Email
Number of Pages: 65
Price: 3000 NGN
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