ABSTRACT
The economic policies or interpretation of such policies has always left a key question unanswered, how much authorities do such policies allow the banks to use their powers to lend, to made remarkable impact in the overall economic situation in the country.
Like in banks in most developing economic (Nigeria inclusive) the role of providing advice and issuing financial directives lies in the ministry of finance, the Nigeria deposit insurance corporation and the central bank of Nigeria. The federal government relies on these institution for the proper functioning of banks through their monetary and fiscal policies, which could be concretionary or expansionary. This invariably affects the profitability of commercial banks etc. hence the need for this study.
The Zenith Bank Plc has been chosen in this regard and except where specified individually, banks becomes the terminsnolyg. In this study in depth study is made on how the Apex Banks, the CBN’s financial policies monetary and fiscal affect the profitability of banks and it’s effect and the general influences it has on the economy.
Chapter one of the study deals on the back ground, study of the problems. Statement of hypothesis and what significant of the study is. Second chapter studies the literature used.
The chapter three emphasis on the techniques and sample collection and questionnaire chapter four presentation of data analysis of the data and the interpretation of finding the last chapter five elucidates on the findings and solutions were proffered. Hence given rise to conclusion.
TABLE OF CONTENT
Cover page
Title page
Approval page
Dedication
Acknowledgment
Abstract
Table of contents
CHAPTER ONE
Introduction
1.1Background of the study
1.2Statement of problems
1.3Objective of the study
1.4Significance of the study
1.5Statement of hypothesis
1.6Scope and limitation of study
1.7Definition of terms
CHAPTER TWO
Literature review
2.12004 monetary policy and the introduction of N25 billion capital base.
2.2Monetary and credit policy measure in 2002/2003
2.3Frame work for determine bank cost of funds
2.3.1National saving certificate
2.3.2Federal government development stocks
2.3.3Minimum balance on loan saving account
2.3.4Money Transfer
2.3.5Policy on SMES
2.3.6CBN rediscounting and refinancing
2.3.7Characteristics of promissory note
2.3.8Paid up capital requirement
2.3.9Moral suasion
2.3.10Improvement in the payment system
2.4Universal banking practice
2.5Basic principles of commercial banks credit
2.6Credit policies of commercial banks
2.7Factors that determine credit policies in Nigeria
2.8Capital position of the banks
2.9Liquidity and profitability
2.10Impact of CBN monetary policy on banks profit.
CHAPTER THREE
Research design and methodology
3.1sample survey method
3.2Population sample for the study
3.3Sources of data collection
CHAPTER FOUR
Data presentation
4.1Data analysis, interpretation
4.2List of hypothesis
CHAPTER FIVE
Findings conclusion and recommendation
5.1Summary of findings
5.2Conclusion
5.3Recommendations
Bibliography
Appendix
Questionnaires
