A PROPOSAL

BANKING DISTRESS:  This is a condition when the Banking system as a whole has negative capital and current profit are insufficient to cover losses to such an extent, that the banking system is unable to generate internally positive capital.

However, Banking distress has been a talk of the town, and it has became so rampant that even the customers to banks are after and so conscious of bank distress, which may or may not occur.  Bank distress has been a cankerworm which has eaten deep to the banking stem, which leads people to death, frustration, sickness, denotion, poverty even madness over night. Let take the case study of the former (ACB and Savannah Bank) these two has led some people to poverty and some to untimely death, some ran madness over night, some children dropped out of school some family can’t find food to eat, even some business closed down/folded up.

Moreover, every problem has a solution, there are some measure that could be taken to eradicate this cankerworm that has eaten deep to banking system, one of the measure and the most important is from the foundation before any bank should start in existence, they should make sure that it is a registered bank with every statistic ready for the operation another important one is capable management have to be very strong enough.  Technological knowhow, trained expert, another important point is SITING i.e where the bank will be built, weather insane opposite or a place that is at the SITE.  You consider also the target, and the kind of business that people around engaged on.

Apparently, there should be won for further training of the staffs, and a good conducts especially from the staffs has to the exhibited on how to welcome and handle customer because there is an idiage which says “one good turn deserves another”.  If all these things are put in place, bank distress must be eradicately.

Finally, recommendation for the staffs to be travelly outside the country for a course has to be in place, in order for them to get a new ideas and innovation that can help in development of the banks, which leads to civilization.  Embezzlement of bank money has to disappear and fraud of any kind has also to be disappeared completely.

TABLE OF CONTENTS

TITLE PAGE

APPROVAL PAGE

DEDICATION

ACKNOWLEDGEMENT

PROPOSAL

TABLE OF CONTENTS

CHAPTER ONE

INTRODUCTION

1.1BACKGROUND OF THE STUDY

1.2STATEMENT OF THE PROBLEM

1.3PURPOSE/OBJECTIVE OF THE STUDY

1.4SIGNIFICANCE OF THE STUDY

1.5LIMITATION OF THE STUDY

CHAPTER TWO

REVIEW OF RELATED LITERATURE

CHAPTER THREE

RESEARCH DESIGN AND METHODOLOGY

3.1SOURCES OF DATA  (SECONDARY SOURCES)

3.2LOCATION OF DATA

3.3METHOD OF DATA COLLECTION

CHAPTER FOUR

FINDINGS

CHAPTER FIVE

RECOMMENDATION AND CONCLUSION

BIBLIOGRAPHY