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
2.4.1 Economy Benefit To The
Country
2.5
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
5.4. 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.
1.2
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.
1.
What has been the
impact of Union banks of Nigeria Plc.
2.
Has the impact been all
truly positive?
3.
Is there then a
remarkable relation between recapitalization of banks and lending?
1.3
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.
1.4.
OBJECTIVES
OF THE STUDY
1.
To find out the effect
of the recapitalization of banks on lending in Nigeria banks.
2.
To observe the impact
of recapitalization in lending in Nigerian banks.
3.
To show the
relationship between recapitalization and lending in Nigeria.
4.
To broaden the knowledge
of people in banking industries and student in banking and finance
institutions.
5.
To create awareness in
the necessity of effective recapitalization of banks in Nigeria from
time to time.
6.
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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