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 2.1 LEVEL OF DISTRESS IN THE BANKING SYSTEM - 29.

TABLE OF CONTENTS

TITLE PAGE II

APPROVAL PAGE III

DEDICATION IV

ACKNOWLEDGEMENT V

ABSTRACTS VI

LIST OF TABLES VIII

TABLE OF CONTENTS IX

CHAPTER ONE

INTRODUCTION

1.1 BACKGROUND OF THE STUDY 1

1.2 STATEMENT OF PROBLEM 2

1.3 OBJECTIVE OF THE STUDY 3

1.4 RESEARCH QUESTIONS 4

1.5 SCOPE OF STUDY 5

1.6 LIMITATION OF STUDY 5

1.7 SIGNIFICANCE OF THE STUDY 6

1.8 RATIONALE/JUSTIFICATION FOR THE STUDY6

1.9 DEFINITION OF TERMS 7

1.10 ASSUMPTION OF THE STUDY 8

CHAPTER TWO

LITERATURE REVIEW 9

2.1 FINANCIAL DISTRESS 13

2.2 MANAGING DISTRESS IN NIGERIAN BANKS 14

2.3 ASSESSMENT OF THE RESOLUTION FRAMEWORK

IN NIGERIA AND PROBLEMS 21

2.4 ACTION TO TACKLE FINANCIAL DISTRESS

2.5 CAUSES OF FINANCIAL DISTRESS

2.6 MEASURE/EXTENT OF DISTRESS IN NIGERIA

CHAPTER THREE

RESEARCH METHODOLOGY

3.1 SOURCE OF DATA 39

3.2 LIMITATION OF SOURCE OF DATA 41

CHAPTER FOUR

FINDINGS 43

CHAPTER FIVE

SUMMARY, CONCLUSION AND SUGGESTION FOR

FURTHER RESEARCH

5.1 SUMMARY OF FINDINGS 47

5.2 CONCLUSION 48

5.3 SUGGESTION FOR FURTHER RESEARCH 49

BIBLIOGRAPHY 50

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

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