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ABSTRACT INTRODUCTION Every nation both developed and developing economies requires money. Productivity which is the hallmark of all economy is anchored on the availability of required fund. Fund which stimulates production in the economy is managed by banks through their loan administration and management; which must be liberal enough to produce the required level of   encouragement   to  both   entrepreneurs   and   government.   Moha (2006:110), said, for any developing country to escape ...

Abstract On-line Banking is the newest and the least understood operational device for retail banking services due to its high degree of technicality and sophistication. It is the interest of this empirical study, which gains a thorough insight into its nature, and areas of applicability by Nigerian Banks by examining the effects of marketing variables on the marketing of banking services. The study also explores the aspects of information and ...

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY Bank plays a crucial role in propelling the entire economy of any nation of which there is need to reposition it for efficient financial performance through a reform process geared towards forestalling bank distress. In Nigeria, the reform process of the banking sector is part of the government strategic agenda aimed at repositioning and integrating the Nigeria banking sector into the ...

CHAPTER ONE INTRODUCTION 1.1   BACKGROUND TO THE STUDY The United bank for African plc has it’s antecedents rooted in that of its processor. British and French bank limited. The British and French bank Limited itself, metamorphosed from Banque National Pource commerce et al industries of paris (establish in 2012) Massrs E.G. Humgerbulher and C.H. Baker arrived in Nigeria in the early 1949 from BNCL, Paris. But men made the British and ...

ABSTRACT The topic of this research is Analysis of corporate leadership and employee empowerment in Nigerian Banks. (A Case Study of three selected banks in Enugu State, Diamond Bank Plc, EcoBank Plc and Union Bank Plc). The population of the study was 365 while the researcher used the Yaro Yamani formular in the determination of the sample size, which was 190. The type of the research design used was survey ...

CHAPTER ONE INTRODUCTION The banking decree of 1969 in defining the banking business incorporated all the functions of the institutions.  However, in terms of what services banks offer to the public, three stand out distinctly deposit and payment mechanism, finance and credit and money creation. The role the banks play by facilitating payments for goods and services without the need to hold hand to hand currency cannot be overemphasized.  By ...

ABSTRACT   This study investigates the effects of ATM on the performance of Nigerian banks. Available studies have concentrated on the significant dimensions of ATM (automated teller machine) service quality and its effect on customer satisfaction with a bias against ATM producers. The study is motivated by the astronomical challenges confronting the proliferation of ATM infrastructure and attendant financial losss to banks which are often under-reported. Also, there are serious ...

CHAPTER ONE INTRODUCTION As a result of persistent poor performance in most organizations, the study investigated the effect of internal control systems on the performance of banks in Nigeria. Internal controls were looked at from the perspective of control environment, internal audit and control activities whereas bank performance focused on liquidity, accountability and reporting as the measures for improvement. The study also went further to establish that effective and efficient ...

Abstract The purpose of this study is to examine the Audit Firm Rotation and Audit Quality Evidence from Nigeria Banks. The main objective of the study is to examine the extent audit firm rotation significantly affects audit quality, and to evaluate the relationship between board independence and audit quality. The debate on audit quality firm rotation is not a settled mater. This study intended to assess the applicability of the ...

ABSTRACT Banks generally provide avenues for savings to those who have surplus funds. The bulk of such funds are then lent out to needy personnel and business customers in loans and overdrafts, it has been widely appreciated that more than half of the total gross earnings of banks is earned from interest on loans and advances, which constitute the single most important assets of the banks. Demands savings and time ...

ABSTRACT The issue of inadequate capital remains one of the major challenges of business entrepreneurs in Nigeria. Business firms are constantly searching for ways to expand their operations and deliver quality services and increase revenue, while the new ones want to start in good shape but enough funding is not readily available. Leasing has been long established as a creative financing tool for the acquisition of capital assets. Over the ...

CHAPTER ONE INTRODUCTION 1.0 BACKGROUND OF THE STUDY Banks have a strategic role to play in the nation’s economic development. This is hinged on their basic functions as financial intermediaries, mobilizing vital savings from surplus economic units and channeling same to deficit units. Thus, it is imperative that the banking system be healthy in-order to fulfill its many expectations, chief among which is the provision of the financial catalyst for ...

ABSTRACT Recent reports have traced bank failures across the country to rising “toxic assets” in commercial banks’ loan portfolio. Poor credit appraisal techniques that have seen credit exposures turn bad, no doubt, largely accounts for this rising level of non-performing loans. This development not only threatens the viability and sustainability of banks but also adversely affects the economic performance of the country as a whole. This paper therefore empirically investigated the effect of credit ...

CHAPTER ONE INTRODUCTION 1.1      BACKGROUND OF 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 at ...

Abstract The purpose of this study is to examine the Audit Firm Rotation and Audit Quality Evidence from Nigeria Banks. The main objective of the study is to examine the extent audit firm rotation significantly affects audit quality, and to evaluate the relationship between board independence and audit quality. The debate on audit quality firm rotation is not a settled mater. This study intended to assess the applicability of the ...

INTRODUCTION For bank to be standard it must undertake investments it shows that the decision taken on portfolios management, specify accurately a unique sequence cash flow cannot be forecast accurately as it subjected to the occurrence of future events. This determine the probability element in decision making, therefore risk arises in investment evaluation because occurrence of the possible event with certainty and consequently can not make any correct prediction about ...

CHAPTER ONE INTRODUCTION 1.1          Background of the Study Customers’ expectation in the post-consolidation era of the Nigerian banking sector is very high. This is justified by the belief that the exercise had crowded out incompetent banks and left only those ones which are able to compete in both domestic and global marketplace. However, in recent times, most Nigerian banks have fallen short of this expectation. Customers have experienced challenges ranging ...

ABSTRACT The impact of having internal control department in all organizations and banking institution in this era of stiff competition and financial regulation cannot be over emphasized. The process of financial account and data production should be based on a recognized, well-defined and well-organized system of procedures. If the business transaction are to be properly and correctly observed, documented, recorded and collated, then there must be a system which is ...

ABSTRACT This study is aimed at evaluating the role of NDIC in the management of distressed banks in Nigeria. The study focuses on the achievements of NDIC, its impact on the Nigerian banking system and how effective the NDIC has been as a supervisory authority. This study uses primary data obtained through questionnaires administered to the employees of the Nigerian Deposit Insurance Corporation. 100 employees were selected as samples while ...

INTRODUCTION 1.1     BACKGROUND OF THE STUDY: Erasing enterprises is established with the assumption that the objective of every management is to maximize profit.  And a very good example of the sector is the financial institution known as the banking sector.  The phenomenal growth of banks following the introduction of SAP creates a fake impression that the banking sector is an all corners business. The banking and financial industry if unique in ...