Download Tag: COMMERCIAL BANKS

ABSTRACT The notion of the psychological contract is one very important variable that comes to bear on any social exchange situation or agreement between two persons.                 Although implicit and many times unstated, it goes a long way to influence the positive or negative outcomes of such relationships. Nevertheless because of the peculiarities and economic characteristics associated with the Nigerian commercial banking industry, this study therefore seeks to thoroughly examine the ...

CHAPTER ONE 1.1     HISTORICAL BACKGROUND OF THE STUDY The production of goods and services in the most efficient manner has continued to be the only viable and reliable option for development, growth and survival of any economy. The development of small scale enterprises (SME’s) is therefore an essential element of growth in Nigeria economy. SMEs not only contribute local capital formation and achieve high level productivity. It was however, observed ...

Abstract This study was on effect of Conflict Resolution Strategies on Employee Performance. Selected Commercial Banks in Lagos State, Nigeria. Three objectives were raised which included:  To examine the effect of forcing strategy on employee competency in selected commercial banks in Lagos State, to assess the effect of smoothing strategy on employee creativity in selected commercial banks in Lagos State, to investigate the effect of avoidance strategy on employee service ...

Abstract This study was on evaluation of strategic planning and its influence in the performance of commercial bank in Nigeria. Three objectives were raised which included: Determining whether there is a relationship between strategic planning and the organizational performance of commercial banks, determining whether strategic planning significantly influences the competitive advantage of commercial banks, ascertaining whether strategic planning positive increase the profitability of commercial banks and ascertaining whether strategic planning ...

ABSTRACT The success or failure and effectiveness or ineffectiveness of any banking or financial sector depends on extent of customer’s patronage and the financial resources available to form and procure the required service oriented facilities. In Nigeria, there are lots of problems associated with banking. The problems include in adequate financial capacity, that is weak capital base, lack of sound technical planning, bad implementation of formulated policies linking the banking ...

CHAPTER ONE INTRODUCTION 1.1 BACKGROUND TO THE STUDY In the Nigerian Banking system considering the last decade the Commercial Banking to be precise had under gone a rapid expansion both in terms of the number of Institution and the scope of Financial services rendered.  As bank licensing was liberalized so was the seed of instability sown in these banking system at the same time. As these expansion trend continuous, a sign ...

ABSTRACT While granting of loan is been described as the '"Power Point" in banks; the battle with the non-performing loans (debts) remains one of the most serious issues in banking sector across the globe, particularly in developing countries like Nigeria. Despite the strict considerations of cannon of lending applied in loan appraisal of customers, there is still no single bank that is not confronted with non-smooth repayment of loans. Non ...

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO THE STUDY Virtually, every business has a credit relationship with a financial institution, especially banks. Some rely on periodic short term loans to finance temporary working capital needs. Others primarily use long-term loans to finance capital expenditure, new acquisitions or permanent increases in capital. Regardless of the type of loan, all credit request mandate a systematic analysis of the borrower‟s ability to repay as ...

CHAPTER ONE INTRODUCTION 1.1  BACKGROUND TO THE STUDY Back credit  and  lending  function  as  we are  aware  evolved  from a  rather  humble  beginning   as a  result  of the discovery  made by the gold  smith  some  continues  ago,  though  only  a  small  proportion  of the money  kept with him  for security  purpose  was indeed required by the  depositors at any  one  time  and that  he could  safely  lend the  rest to borrowers  and make  interest  charge  thereon.  The banking habit that latter inherited such practice felt that only about nine(9) to ten (10) percent of the bank deposit at a give time were therefore demand by the depositors. However the commercial banks role of pooling ...

ABSTRACT This research is a study aimed at finding the main causes of customers of commercial banks to be prompt wherever they are in their current or saving accounts or withdrawing cash from their savings account balances or cash cheque in their current account balance. Consequent upon this, it will determine the impact balance of the organizational structure of commercial banks on efficient customer services. In other words, this pieces ...

CHAPTER ONE INTRODUCTION 1.1    BACKGROUND OF THE STUDY The recent upsurge of concern by retail and wholesale bankers for the enthronement of credit risk management into their operational process had been adjudged by credit analysis as timely and relevant. Financial institutions are exposed to risk taking of which credit risk is probably the most important. The risk problem usually emanates from undue delays in. collection or from a signal of ...

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CHAPTER ONE INTRODUCTION The banking system is an important sector of the economy because it acts as an agent for mobilizing funds from those who wish to deposit their money and allocating the same to those who want to borrow, thus facilitating the efficient functioning of commercial and .manufacturing activities. The credit allocation and control policies are required by the bank and other financial in particular development activity. Control of ...

CHAPTER ONE 1.1 BACKGROUND OF THE STUDY Commercial banking in Nigeria dated back to 1892, when what emerged as the bank of British West Africa (now bank of Nigeria) was established. This was followed in 1917 by the Barclays bank now Union Bank of Nigeria. The Nigeria banking scene was monopolized by these two banks until 1933 when the national bank of Nigeria ltd was established. The first successful indigenous commercials ...

CHAPTER ONE 1.1INTRODUCTION Commercial banks are generally all-purpose retail bankers, Ajayi (2011). They mobilize deposits of all sizes and from all and sundry in retail as well as in wholesale markets. They engage mainly in borrowing and lending activities. The lending activities of Nigerian commercial banks have been increasing steadily over the years and recently, the pace of increase has acquired a tempo that needs some explanation. Management of banks ...

CHAPTER ONE INTRODUCTION Central bank of Nigeria is the apex financial institution in Nigeria charged with the responsibility of maintaining fiscal and monetary. Stability in the economy. The CBN has its headquarters in Abuja (F.C.T) with some zonal offices in Lagos, Kaduna, Enugu and Ibadan. It is located in Enugu zone at Opara Avenue. In this study, the researcher’s mind it to know the impacts of the B25billion re-capitalization by ...

CHAPTER ONE INTRODUCTION 1.1.  BACKGROUND OF STUDY Commercial banks play an important role in economic development of developing countries. Economic development involves investment in various sectors of the economy. The banks collect savings from the people and mobilize savings for investment in industrial project. The investors borrow from banks to finance the projects. Special funds are provided to the investors for the  completion of projects. The bank provide a guarantee for industrial ...

CHAPTER ONE INTRODUCTION BACKGROUND OF THE STUDY  Over the years the Central Bank of Nigeria had stipulated the amount of interest and lending rates that are obtainable in our commercial banks, with a view to harmonize these rates in all commercial banks in all the country it will be of interest to note that the central banks credit policy guideline had been a reflection of the country’s economy form year ...

CHAPTER ONE INTRODUCTION 1.1 Background of the study The importance of managing the economy effectively cannot be over emphasized. ICT has the power to change, transform lives, influence economic activities and the society. The banking sector is not an exception of this whole change and transformation. Just as the entrance of God’s word gives life, the entrance of information technology into the banking industry gives life and definition to banking ...