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
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
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.
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.
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.
1.5 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.
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