This research is concerned with the impact of Nigerian deposit Insurance Corporation on the banking industry. This research is intended to reveal and evaluate the program made since the inception of the corporation as well as area which might be some short coming. In an attempt to correct this unhealthy development the regulatory’ authorities i.e. The Nigeria Deposit Insurance Corporation (NDIC) and Central Bank of Nigeria (CBN) have devised various ways to implemented many’ novel polices to check this drift. However, my method of collecting data and the analysis have been based on both parameter examination and the use of questionnaire. Conclusively, there is need for the corporation to come promote independent credit rating agencies to check the menace of professional debtors already the NDIC and CBN have stated that these banks should give their corporation to ensure effectively extension of programs this will prevent bad debtors to borrow from another banks while still indebted to one, to avoid contamination the healthy bank NDIC should remove all terminals distress bank in Nigeria. 

TABLE OF CONTENTS

Title Page 

Certification 

Dedication 

Acknowledgements  

Abstract 

CHAPTERONE 

1 .0 Introduction 

1. 1 Background of the study 

1.2 Number of Distress Bank for Ten year 

1 .3 Recent Development in the Banking sector and distress 

1.4 Symptoms of distress  

1.5 Statement of Problem. 

1 .6 Objective of the study  

1 .7 Significance of the Study  

1.8 Scope of the study / Delimitation  

1 .9 Research Questions / Hypothesis  

10 Definition of Terms  

 CHAPTER TWO 

2.0 Literature Review 

21 Need for NDIC 

2.2 Objective of NDIC  

2.3 Function of NDIC 

2.4 Major Development of NDIC in the Banking Industry  

2.5 Definition of Distress in Banking Industry 

2.6 Intervention of Government to Prevent Distress 

2.7 Regulatory Authorities in Preventing Distress.  

2.8 Capital Inadequacy.  

CHAPTER THREE

3.0 Research Methodology 

3.1 Source of Data 

3.2 Research Population and Sample  

3.3 Method of Data Collection  

3.4 Problem of Methodology  

CHAPTER FOUR

4.0 Presentation and Analysis of Data Collected  

4.1 Measurement of Distress in Banking Industry 

4.2 Capital Adequacy Ratio 

4.3 Risk Weighted Asset to Total Asset Ratio  

4.4 Liquidity Ratio  

4.5 Profitability Ratio 

4.6 Role of State Government in Bank Distress 

CHAPTER FIVE 

5.0 Summary, Conclusion and Recommendation  

5.1 Summary  

5.2 Recommendation  

5.3 Conclusion  

5.4 Bibliography