A PROJECT REPORT ON THE BANKING REGULATIONS AND THE PERFORMANCE OF THE NIGERIAN BANKING INDUSTRY IN 2005-2010

A PROJECT REPORT ON THE BANKING REGULATIONS AND THE PERFORMANCE OF THE NIGERIAN BANKING INDUSTRY IN 2005-2010(A CASE STUDY OF UNION BANK)

ABSTRACT

The banking sector in any economy serves as a catalyst for growth and development and is therefore so sensitive and sacrosanct to the economy in terms of stability and growth that must not be let loose by the government. It is not surging in the light of this fact, that government is the world over attempt to evolve an efficient banking system, not only for the promotion of efficient intermediation but also for the protection of depositors, encouragement of efficient competition, maintenance of public confidence in the system, stability of the system and protection against systemic risk and collapse. Economists differ on the level of government intervention in the economy, particularly on regulation imposed on the financial intermediaries. While some believe that many regulations are necessary in order to protect the depositor’s funds, other believes that the banks are over regulated. Therefore this paper seeks to explore various implications of banking regulation on the performance of Nigeria banks with a view to proffer solution to problems. The study adopts largely an exploratory methodology and submitted that though reforms of banks become necessary, therefore is a limit to which banks should be regulated on the issue of banks adequacy. The paper argued that consolidation arising from the recapitalization of banks brought about lots of problems that may mar the aim the reform it not properly approached.

TABLE OF CONTENTS

CHAPTER ONE

INTRODUCTION

1. BACKGROUND OF THE STUDY
2. STATEMENT OF THE PROBLEM
3. OBJECTIVES OF THE STUDY
4. RESEARCH HYPOTHESIS
5. RESEARCH QUESTION
6. SIGNIFICANT OF THE STUDY
7. SCOPE OF THE STUDY
8. LIMITATION OF THE STUDY

REFERENCES

CHAPTER TWO

2.0   LITERATURE REVIEW AND THEORETICAL

UNDERPINNING                                                      20

2.1   THE NEED FOR BANKS REGULATION

2.2   PHASE OF BANKING SECTORS REFORM

2.3   BANKS CAPITAL ADEQUACY REGULATION            21

2.4   BANKS REGULATION AND LIQUIDITY

2.5   BANKS CAPITAL AND PROFITABILITY

2.6   THE EFFECT OF REGULATION OF

PERFORMANCE OF BANKING                                 22

2.7   PROBLEMS AND CHALLENGES OF BANK

REGULATION                                                           23

REFERENCES

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A PROJECT REPORT ON THE BANKING REGULATIONS AND THE PERFORMANCE OF THE NIGERIAN BANKING INDUSTRY IN 2005-2010(A CASE STUDY OF UNION BANK)