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
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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