THE IMPACT OF RECAPITALIZATION OF BANKS ON LENDING IN NIGERIA BANKS
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TITLE PAGE
THE IMPACT OF RECAPITALIZATION OF BANKS ON LENDING IN NIGERIA BANKS
BY
---
EE/H2013/01430
DEPARTMENT OF ----
SCHOOL OF ---
INSTITUTE OF ---
DECEMBER,2018
APPROVAL PAGE
This is to certify that the research work, "the impact of recapitalization of banks on lending in nigeria banks" by ---, Reg. No. EE/H2007/01430 submitted in partial fulfillment of the requirement award of a Higher National Diploma on --- has been approved.
By
--- . ---
Supervisor Head of Department.
Signature………………. Signature……………….
……………………………….
---
External Invigilator
DEDICATION
This project is dedicated to Almighty God for his protection, kindness, strength over my life throughout the period and also to my --- for his financial support and moral care towards me.Also to my mentor --- for her academic advice she often gives to me. May Almighty God shield them from the peril of this world and bless their entire endeavour Amen.
ACKNOWLEDGEMENT
The successful completion of this project work could not have been a reality without the encouragement of my --- and other people. My immensely appreciation goes to my humble and able supervisor mr. --- for his kindness in supervising this project.
My warmest gratitude goes to my parents for their moral, spiritual and financial support throughout my study in this institution.
My appreciation goes to some of my lecturers among whom are Mr. ---, and Dr. ---. I also recognize the support of some of the staff of --- among whom are: The General Manager, Deputy General manager, the internal Auditor Mr. --- and the ---. Finally, my appreciation goes to my elder sister ---, my lovely friends mercy ---, ---, --- and many others who were quite helpful.
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TABLE OF CONTENT
Title Page i
Certification ii
Dedication iii
Acknowledgement iv
Table Of Content v
CHAPTER ONE
1.0 Introduction 1
1.1 Background Of The Study 1
1.2 Statement Of The Problem
1.3 Justification Of The Study
1.4 Objective Of The Study
1.5 Hypothesis
1.6 Scope Of The Study
1.7 Organization Of The Study
1.8 Limitation Of The Study
CHAPTER TWO
2.1 Literature Review
2.2 Review Of Related Literature
2.3 Lending In Banking Industry
2.3a Definition And Types Of Lending
2.3.1 Lending Polices And Objectives
2.3b Canons Of Lending
2.3.2 Lending Techniques
2.4 New capital base in banking sector Reason For Pre Capitalization
- Economy Benefit To The Country
- New Capital Base And Bank Lending
CHAPTER THREE
3.0 Research Methodology
3.1 Sources Of Data.
3.2 Research Question And Hypothesis
3.2.1 Research Question
3.2.2 Hypothesis
3.3. Data Collection Instrument
3.4 Administration Instrument
3.5 Analysis Of Response
3.6 Analytical Procedures
CHAPTER FOUR
4.0 Presentation And Analysis Of Data
4.1 Presentation And Analysis Of Research Problem
4.2. Presentation And Analysis Of Data
4.3 Finding And Discussion
CHAPTER FIVE
5.0 Summary, Conclusion And Recommendation
5.1 Summary
5.2 Recommendation
5.3 Conclusion
- Further Study On This Study
REFERENCES
APPENDIX I
APPENDIX II
CHAPTER ONE
1.0 INTRODUCTION
1.1 BACKGROUND OF THE STUDY
The impact of Recapitalization of banks on lending in Nigeria Banks demands critical view.
Since lending is one of the roles of banks which depends on the available capital base of the banks, any attempts by Central Bank to increase the pre-determination of banks lending will have measurable and remarkable impact on the whole economy.
To enhance financial stability of banking industries in Nigeria, reduce the reluctance of commercial banks to lend to the public and safeguard the stability and improvement of banks, the Central Bank of Nigeria consistently increase the minimum capital form as low as 12 million and 20Million for merchant and commercial banks relatively before 1992 to N25Billion in 2005, then in 2011, the new Capital base is now N100Billion naira.
With stipulated minimum capital base of N25billion, some banks could not meet up and thereby merge were inevitable other banks that could not, were liquidated at January 2, 2006. Union bank of Nigeria Plc and 24 other banks scaled together 14 banks including Trade bank. There said to be liquidated 25 banks of solid capital base of N25Billion now have more money to lend to the public at lower interest without fear of getting liquidated.
- STATEMENT OF THE PROBLEM
There is impact of recapitalisation of banks on lending in Nigerian banks, for a commercial bank to lend money out to the public; it must have a tangible capital base. Since not all banks would be able to meet up. Wherever there is recapitalization exercise, there tends to be liquidation, therefore, there must be impact of recapitalization of banks on lending in Nigeria banks.
- What has been the impact of Union banks of Nigeria Plc.
- Has the impact been all truly positive?
- Is there then a remarkable relation between recapitalization of banks and lending?
- JUSTIFICATION FOR STUDY
The importance of this study is to look into the effect of recapitalization of banks on lending in Nigeria.
It also justifies the fact that recapitalisation of banks source the liquidity of banking industries.
Academically, the study indense up the knowledge of well meaning Nigerians especially those concerned with the economy like banks especially the students on the relationship between recapitalization and lending.
- OBJECTIVES OF THE STUDY
- To find out the effect of the recapitalization of banks on lending in Nigeria banks.
- To observe the impact of recapitalization in lending in Nigerian banks.
- To show the relationship between recapitalization and lending in Nigeria.
- To broaden the knowledge of people in banking industries and student in banking and finance institutions.
- To create awareness in the necessity of effective recapitalization of banks in Nigeria from time to time.
- For partial fulfilment of Higher National Diploma certificate course in Banking and Finance without which the certificate could not be awarded to me as a student.
1.5 HYPOTHESIS
For the purpose of this research some of the statements of hypothesis are formulated. They are:
Null Hypothesis represented by the Ho
Alternative Hypothesis represented by the H1
(a) H1: There is relationship between recapitalization and lending in Nigeria banks
Ho: No relationship between recapitalization of banks and lending in Nigeria banks.
(b) Ho: Recapitalization of banks reduces capacity in Nigeria.
H1: Recapitalization of banks increases lending capacity of banks in Nigeria.
(c) H1: Recapitalization of banks improve the economy
Ho: Recapitalization of banks does not improve the economy.
1.6 SCOPE OF THE STUDY
The study is limited to commercial banks that meet up with the deadline of Central Bank. The ultimate aim is to raise N25Billion as minimum capital base and Union Bank of Nigeria Plc as a case study. The impact of the recapitalization on banks lending is grossly studied.
1.7 ORGANISATION OF THE STUDY
This project work is divided into five (5) chapters, chapter one contains background, statement of the problem, justification, objectives of the study, hypothesis, scope of the study, organisation and limitation of the study.
The second chapter contains the relevant literature and the research work which the researcher has done.
The third chapter has source of data, research questions and hypothesis, data collection which constitute the research methodology
The chapter four presents the study and data analysis, hypothesis formulation, finding and discussion.
1.8 LIMITATION OF THE STUDY
The research work is limited to information gathered from banking industries, particularly Union bank of Nigeria Plc, time factor, financial weaknesses on the part of the researcher and inability to get in contact with the top manager, have summed up a real constraint to the study. However, this research work is still meaningful and has added remarkably to knowledge.
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CHAPTER THREE: The complete chapter three of "the impact of recapitalization of banks on lending in nigeria banks" is available. Order full work to download. Chapter three of "the impact of recapitalization of banks on lending in nigeria banks" consists of the methodology. In this chapter all the method used in carrying out this work was discussed.
CHAPTER FOUR: The complete chapter four of "the impact of recapitalization of banks on lending in nigeria banks" is available. Order full work to download. Chapter four of "the impact of recapitalization of banks on lending in nigeria banks" consists of all the test conducted during the work and the result gotten after the whole work
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