The impact of bank distress on the nigerian banking habit

• 1.1      Background of the Study1.2       Statement of Research Problem1.3       Objectives of the Study1.4       Research Questions1.5       Research Hypothesis1.6       Scope of the Study1.7       Significance of the Study1.8       Research Methodology1.9       Definition of TermsCHAPTER TWO     LITERATURE REVIEW2.1       Introduction2.2       Brief History of Banks in the ‘80s and ‘90s2.3       Major Players in the Banking Financial Sector2.
• 3.1  Banks2.
• 3.2  Central Bank of Nigeria2.
• 3.3  Other Regulatory Bodies2.
• 3.4  Investors2.
• 3.5  General Public2.4       Banking Today (Pre-consolidation Era)
• 2.5      Banking Crises in Nigeria2.6       Concept of Bank Distress2.7       Overview of Bank Distress2.
• 7.1  Symptoms of Bank Distress2.
• 7.2  Causes of Bank Distress2.8       Effect of Bank Distress in Nigeria2.9       Effect of Bank Distress on the Nigerian Banking Habit2.10     Bank Audit2.11     Bank Regulatory Agencies2.
• 11.1Central Bank of Nigeria (CBN)2.11.
• 2.Nigerian Deposit Insurance Corporation (NDIC)2.
• 11.3Securities and Exchange Commission (SEC)2.
• 11.4Economic and Financial Crimes Commission (EFCC)2.
• 11.5National Drug and Law Enforcement Agency (NDLEA)2.
• 11.6Debt Management Office (DMO)
• 2.12    Banking Today (Post-consolidation Era)
• 2.13    Central Bank of Nigeria (CBN) Prudential Guidelines2.
• 13.1Regulatory Issues2.
• 13.2International Financial Reporting Standard (IFRS)2.
• 13.3Asset Management Company of Nigeria (AMCON)

Chapter THREE

RESEARCH METHODOLOGY

•     RESEARCH METHODOLOGY3.1       Introduction3.2       Research Hypothesis3.3       Research Design3.4       Population3.5       Sample Size and Sampling Technique3.6       Data Collection Method3.
• 6.1  Sources of Data3.
• 6.2  Instrument of Data Collection3.
• 6.3  Questionnaire Design and Assumptions3.7       Method of Data Analysis3.8       Validity and Reliability of InstrumentCHAPTER FOUR     DATA ANALYSIS AND INTERPRETATION4.1       Introduction4.2       Presentation of Primary Data Collected4.3       Analysis of Questionnaire Data4.4       Hypothesis Testing4.5       Reliability Statistics4.4       Analysis of Secondary Data CollectedCHAPTER FIVE SUMMARY, FINDINGS, CONCLUSION AND RECOMMENDATIONS5.1       Summary of Findings5.
• 1.1  Theoretical Findings5.
• 1.2  Empirical Findings5.4       Recommendations5.5       Conclusion            Bibliography            AppendixLIST OF TABLESTable 4.1: Sex                                                                                                                               50Table 4.2: Marital status                                                                                                               50Table4.3: Age                                                                                                                                 51Table 4.4: Educational qualification                                                                                     51Table 4.5: Occupation                                                                                                                   52Table 4.6: Working Experience                                                                                                     52Table 4.7: I am aware of the term bank distress?                                                                    53Table 4.8: I have lost money to a bank or heard of someone who has?                                       53                                                                                                               Table 4.9: I lost some of my confidence in banks thereafter?                                                       54Table 4.10: My dealings and activities with banks were affected?                                               54                                                                                    Table 4.11: I have a bank account?                                                                                       55Table 4.12: My bank account is mainly for transactionary purpose?                                         55Table 4.13: My bank account is mainly for safekeeping of my money?                                      56  Table 4.14: I would rather invest my money than keep it in the bank?                                        56Table 4.15: If I hear that my bank is distressed, I would attempt to withdraw all my money from the bank immediately?                                                                                                                   57Table 4.16: Regular payment of claims to insured depositors in the event of bank liquidation would go a long way to restoring public confidence?                                                                   58                          Table 4.17: Non-performing credit facilities contributed to the bank distress?                         58Table 4.18: Overdue payment of principal and interest on term loans contributed to the bank distress?                                                                                                                                 59Table 4.19: Bank distress can be caused by an ‘out of order’ account in respect to overdraft and cash credit?                                                                                                                     60Table 4.20: Non-performing assets can affect the operation of the bank?                                 60Table 4.21: Too many non-performing assets can stretch a firm’s reserves and deposits making it face the risk of distress?                                                                                                      61Table 4.22: All credit facilities offered by the bank should be closely monitored from initiation to finalization to prevent them from becoming ‘non-performing’?                                                    61Table 4.23: Political unrest and turbulence affects the banking industry?                                 62Table 4.24: Various policies, sanctions and standards put in place by the Central Bank and the Nigerian Deposit and Insurance Corporation in recent times have helped curb certain risks of distress faced by banks?                                                                                                       62Table 4.25: Testing of Hypothesis 1                                                                                       63Table 4.26: Testing of Hypothesis 2                                                                                       64Table 4.27: Testing of Hypothesis 3                                                                                       66Table 4.28: CBN Annual Report (1)                                                                                              67Table 4.29: CBN Annual Report (2)                                                                                             68LIST OF FIGURESFIG 4.1: Total Assets of Deposit Money Banks                                                                   68FIG 4.2: Growth Rate of Total Assets of Deposit Money Banks                                         68FIG 4.3: Total Deposit Liabilities of Deposit Money Banks                                               70FIG 4.4: Growth Rate of Total Deposit Liabilities of Deposit Money Banks                     70