Bank Failure: “Causes And Consequences

Bank Failure: “Causes And Consequences

Abstract

exploration concerns “ Bank failure ” causes and consequences ” Bank failure in our banking assiduity has come a peculiar ménage word in this country, which can not be overemphasized. It’s are-current issue, which caused to captivate numerous individualities and banks, which has caused innumerous difficulty to collaborative individualities, individual, stakeholders. This unattractive scene has paved way for losses of stunning sum of plutocrat and investment by some banks.

As a matter of data, Banks torture has significantly contributed to the bank failure of some banks. This design work examined the trend that lead to the Bank failure and also, some Bank staff have lost their jobs and single benefits. The confidence the public has on the bank is hastily advising down and numerous bank guests note plaintively about this fact or issue.

The design surveyed the literature in the causes and consequences of bank failure, impact of bank failure, the remedies and the measures to control the incident of bank failure in the banking sector and the investigator concluded that the causes of bank failure comes under the following headlines. Insider’s abuse, fraud and phonies , inexperience staffing, poor station of bank operation, reclamation of staff with low position academic qualifications, and high position of deceitfulness among staff.

Especially, the objects of the study are

To determine whether bank failure still live in the banking assiduity.

To determine examine the causes and consequences of bank failure on Nigeria banking assiduity.

Determine to understand the degree of concern the bank operation have shown in trying to help failure of banks.

To identify some of the enabling laws by the administrative authorities to insure depositors finances incase of bank failure.

Tox-ray the poor account procedures espoused by the bank operation staff.

To negotiate these objects, a literal check exploration design was conducted. Data were sourced only from secondary source, without questionnaire been used as an instrument of data collection.

Data collected were used to form the literature review by the experimenter, and upon the literature review, findings, recommendations and conclusion was grounded by the experimenter.

TABLE OF CONTENT

instrument I

FIDELITY ii

ACKNOWLEDGEMENT iii

ABSTRACT iv

TABLE OF CONTENT v

CHAPTER ONE

PREFACE

BACKGROUND OF THE STUDY GLOBAL HISTORY OF BANK FAILURES AND NIGERIA EXPERIENCE

HISTORICAL DEVELOPMENT OF BANKING IN NIGERIA WITH SHORT PERIOD OF MASS FAILURE OF INDIGENOUS BANKS.

STATEMENT OF THE PROBLEM.

Ideal Of The Study.

SIGNIFICANCE OF THE STUDY.

COMPASS AND LIMITATION OF THE STUDY.

description OF IMPORTANT TERMS

References

CHAPTER TWO

REVIEW OF RELATED LITERATURE-

Preface

DELINEATIONS OF BANK

Description In Textbook Pens

STATUTORY DESCRIPTION

VIEW EXPRESSED In THE COURTS

Abstract Frame

MEANING OF BANK FAILURE/ CASE FOR BANK FAILURE

CAUSES OF BANK FAILURES IN THE NIGERIA BANKING ASSIDUITY.

MACROECONOMIC TERRAIN

BAD LOANS DECLINE IN THE VALUE OF SECURITIES POSSESSED In THE BANKS.

ASYMMETRIC INFORMATION

WEAK OPERATION

FRAUD AND PHONIES

POLITICAL HINDRANCE/ ADVERSE PROFITABLE TERRAIN

UNHAPPY COMMERCIAL GOVERNANCE STRUCTURES

RECENT DEVELOPMENT IN FINANCIAL SERVICES SECTOR AND BANK FAILURES IN NIGERIA

DEPOSITS IN THE BANKING SYSTEM.

RENDITION OF UNRELIABLE STATUTORY RETURNS.

BANKING SECTOR TORTURE.

REGULATORY AUTHORITIES EFFORTS AT ADDRESSING ISSUES OF FINANCIAL/ BANK SECTOR FAILURES.

CONSEQUENCES OF BANK FAILURES.

CONSEQUENCE OF BANK FAILURE ON THE SHAREHOLDERS.

CONSEQUENCES OF BANK FAILURE ON BANKING INDUSTRY.

CONSEQUENCES OF BANK FAILURES ON DEPOSITORS/ BANK CUSTOMERS.

CONSEQUENCES OF BANK FAILURES ON THE Frugality

CONSEQUENCES OF BANK FAILURE ON GOVERNMENT

CONTROL MEASURES OF BANK FAILURES

REFERENCES

Chapter Three

Exploration Design And Methodology

Preface

SOURCES OF DATA

SECONDARY SOURCES OF DATA

References

Chapter Four

Preface

Findings

Chapter Five

Conclusion And Recommendations.

Bibliography

Excursus A

Excursus B