PRUDENTIAL GUIDELINE AND THE PROFITABILITY OF DEPOSIT MONEY BANK IN NIGERIA (A Study of selected Banks in Nigeria-2008-2017)

ABSTRACT

This research project work concerns itself with the prudential guidelines and the effect on the profitability of Deposit Money Bank. The major objective is to examine the effect of prudential guideline on the profitability of Deposit Money Bank. The researcher reviewed literature adequately and accordingly. The Analysis of Variance (ANOVA) was used to analyze the primary data collected. It was found that prudential guideline has been of benefit to Bank in the area of reducing non-performing loans increased customer satisfaction and management effectiveness. It was therefore concluded that prudential guidelines has impacted significantly on the profitability of Banks in Nigeria. The researcher recommended that Deposit Money Banks need to minimize their operation cost through control of expenses to achieve increased profitability. 

TABLE OF CONTENTS

Title page.............................................................................i

Certification.........................................................................ii

Dedication..........................................................................iii

Acknowledgement................................................................iv

Abstract..............................................................................v

Table of contents................................................................vi

CHAPTER ONE

1.0  Introduction.................................................................

1.1  Background of study.......................................................  

1.2  Statement of the problems...............................................

1.3  Objectives of study........................................................

1.4  Research Questions.......................................................

1.5  Research Hypotheses......................................................

1.6  Scope of the study........................................................

1.7  Limitations of the study...............................................

1.8  Significance of the study...............................................

1.9  Clarifications of Related terms.........................................

CHAPTER TWO

2.0  Review of Related Literature..........................................

2.1  Introduction..................................................................

2.2  Regulation and De-Regulation: Issues..............................

2.3  The Regulation of the Nigerian Banking Industry................

2.3.1Statutory Regulations....................................................

2.3.2Central Bank Guidelines..................................................

2.3.3Regulations Arising from CBN Function..............................

2.4  The Regulatory Tools........................................................

2.5  The Rationale for Regulation..............................................

2.6  The Effect of Regulations on the Banking Industry................

2.7  Problems of Banking Regulation.......................................

2.8  The Prudential Guidelines/The Nature of Regulation.............

2.8.1Prudential Guidelines for Licensed Banks............................

2.8.2Credit Fortified Classification System.................................

2.8.3Provision for Non-performing Facilities..............................

2.8.4Credit Portfolio Disclosure Requirement............................

2.8.5Interest Accrual..............................................................

2.9  Classification of other assets.............................................

2.9.1 Off-Balance Sheet Engagement.......................................

2.10 Reason for the Introduction of Prudential Guidelines.............

2.11 Other Ancillary Policies and Amendments and Letters...........

2.12 Effect of Prudential Guidelines on the Banking Industry........

2.13 Bottlenecks in the Successful Implementation....................

CHAPTER THREE

3.0  Research Methodology...................................................

3.1  Introduction...................................................................

3.2  Research Design.............................................................

3.3  Population of the Study..................................................

3.4  Sample Plan................................................................

3.4.1 Sample Unit.................................................................

3.4.2 Sample Size Determination.............................................

3.4.3 Sample Procedure.........................................................

3.4.4 Sample Method.............................................................

3.5 Sources Of Data...............................................................

3.6 Method Of Data Analysis....................................................

3.6.1Description Of Analytical Tool...........................................

3.6.2 Decision Rule................................................................

3.7 Summary......................................................................

CHAPTER FOUR 

4.0 Data Presentation, Analysis and Interpretation of Findings…

4.1  Preview.....................................................................

4.2  Data Presentation............................................................

4.3  Analysis of Questionnaire..................................................

4.4  Hypotheses Testing..........................................................

4.5  Discussion of Findings......................................................

CHAPTER FIVE

5.0 Summary of Findings, Conclusion and Recommendations

5.2  Summary of Research Findings..........................................

5.2  Conclusion................................................................

5.3  Recommendations...........................................................

BIBLIOGRAPHY

APPENDIX