FINANCIAL DISTRESS IN SOME COMMERCIAL BANKS REASONS, ISSUES, CONSEQUENCES AND SOLUTION.

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ABSTRACT

A descriptive study was made about financial distress in some Commercial Banks using secondary statistics.This research work was designed to describe the Financial distress in some Commercial Bank in Nigeria. Also the causative factor as it affects Commercial Banks with the limited area of coverage.The study also look at the following objectives such as nature and type of financial distress facing some Commercial Banks, banks involved in the distress, causes of distress, level of distress and to know if poor management also cause distress.The study also answers the five (5) research questions. It was also discovered that distress is caused as a result of poor management, insolvency loss asset base, inadequacy of capital etc.

Therefore, recommendation such as: proper management, adequate funding, increased asset base provisions and adequate liquidity were made for the study. Also such research work should be done to other non-financial Banking Institution and other West African Country.

LIST OF TABLE

TABLE 2.1LEVEL OF DISTRESS IN THE BANKING SYSTEM - 29.

TABLE OF CONTENTS

TITLE PAGEII

APPROVAL PAGEIII

DEDICATIONIV

ACKNOWLEDGEMENTV

ABSTRACTSVI

LIST OF TABLESVIII

TABLE OF CONTENTSIX

CHAPTER ONE

INTRODUCTION

1.1BACKGROUND OF THE STUDY1

1.2STATEMENT OF PROBLEM2

1.3OBJECTIVE OF THE STUDY3

1.4RESEARCH QUESTIONS4

1.5SCOPE OF STUDY5

1.6LIMITATION OF STUDY5

1.7SIGNIFICANCE OF THE STUDY6

1.8RATIONALE/JUSTIFICATION FOR THE STUDY6

1.9DEFINITION OF TERMS7

1.10ASSUMPTION OF THE STUDY8

CHAPTER TWO

LITERATURE REVIEW9

2.1FINANCIAL DISTRESS13

2.2MANAGING DISTRESS IN NIGERIAN BANKS14

2.3ASSESSMENT OF THE RESOLUTION FRAMEWORK

IN NIGERIA AND PROBLEMS21

2.4ACTION TO TACKLE FINANCIAL DISTRESS

2.5CAUSES OF FINANCIAL DISTRESS

2.6MEASURE/EXTENT OF DISTRESS IN NIGERIA

CHAPTER THREE

RESEARCH METHODOLOGY

3.1SOURCE OF DATA39

3.2LIMITATION OF SOURCE OF DATA41

CHAPTER FOUR

FINDINGS43

CHAPTER FIVE

SUMMARY, CONCLUSION AND SUGGESTION FOR

FURTHER RESEARCH

5.1SUMMARY OF FINDINGS47

5.2CONCLUSION48

5.3SUGGESTION FOR FURTHER RESEARCH49

BIBLIOGRAPHY50

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FINANCIAL DISTRESS IN SOME COMMERCIAL BANKS REASONS, ISSUES, CONSEQUENCES AND SOLUTION.

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