This study was to explore the possible impact of supervision on effective bank management with particular reference to United Bank of Africa (UBA) Plc station road, Enugu. To guide the researcher, the following four (4) research questions were formulated as this: -
A structured questionnaire developed by the researcher was administered to a total of one hundred and two (102) male and female staff of United Bank Africa Plc. Enugu. They were selected using the population for reliable. Hence the data collected and analyzed using percentage, mean and risk order.
TABLE OF CONTENT
CHAPTER ONE
1.1 Background of the Study
1.2 Statement of the Problem
1.3 Purpose of the Study
1.4 Scope of the Study
1.5 Signification of the Study
1.6 Research Question
1.7 Limitation of the Study
1.8 Definition of Terms
CHAPTER TWO
2.1 Review of Related Literature
2.2 Concept and Purpose of Supervisions
2.3 Organization and Management of Supervisions in Banking Industry
2.4 Developing Effectiveness of Supervision
2.5 Duties of a Supervisor
2.6 Needs for Supervision in Banking Industry
2.7 Summary
CHAPTER THREE
3.1 Research Design
3.2 Scope of Study
3.3 Population of the Study
3.4 Sample and Sampling Procedure/ Technique
3.5 Instrument for Data Collection
3.6 Method of Data Analysis
CHAPTER FOUR
4.1 Data Presentation and Analysis
4.2 Presentation and Analysis
4.3 Summary of Result
CHAPTER FIVE
Discussion, Recommendation & Conclusion
5.1 Discussion of Result/ Finding
5.2 Conclusions
5.3 Implications of the Result Finding
5.4 Recommendations
5.5 Suggestions for Further Research
Bibliography
Appendix
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND TO THE STUDY
Banking act (1969) defined banking, as the business of receiving money from outside sources as deposit inspective of the payment of interest, and grant loans and acceptance of credits or the purchase and saves of securities for account of others or in assumption of guarantees and other warrantees for others or the effecting of transfer. And other transaction as the ministry make on the recommendation of the central bank by order published in the federal gazette design as banking business.
The Nigeria Banking system is made up of Central Bank, Development bank, People Bank, Commercial bank etc. The people banks and community bank recently developed or established by decree of the federal ministry government. Banking as a profession has been exist for many decades now but unfortunately, there was no generally accepted statory defective of a bank until 1969.
(1982) described bank as a person or company carrying out the business of receiving money and collecting draft from customers subject to the obligation of honouring cheque drawn upon them from time to time by customers to the extent of the amount written on the cheque or in the account.
The banks are closely monitored and requite by the government through the central bank of Nigeria. This is the ensure that they render service to their customers in a manner consistent. Safe bank is extracted with honour, reputable and hard working personnel. Function of bank management is decision making, the rational selection alternative course of action.
It is at the core or point of planning; A plan cannot be said to extent or exist unless a decision has been reached (Koontz 1984)
The personnel management of the bank establishes internal control procedure for the effective discharge of the major function in order to attain their corporate objectives. In closing this, special attention must be given to communication problem. The structure of the bank organization should have a line and staff structure, so that there will be flow of information from the top management to the lower level. The lower staff can give advice to the top level management whom might accept it or reject it. The free flow information will be a real basis for effective decision making.
Therefore, a need to establish a follow up department to know whether the action is going according to plan and polices, if not correction can be made before it is too late. It is in the light of the above factors that the management function of controlling becomes very desirable.
1.2 STATEMENT OF PROBLEM
Despite the creation of supervisor unit or department in the bank for internal control, it is not clear on the adequacy of human and non human resources for efficient operation of banking industry. This is because bank managers still grant credits (loans) beyond their power limit without collateral. Secondly, there are cases of bad debts resulting from loan given to customers that has not been recovered. Hence the CBN (1990) prudent guideline has not been obeyed and the effect is reported loses or minimal profit. Thirdly, there have been cases of computer frauds, defection and outright removal of physical cash by some employee and outside, this has created unbalanced books, keeping and records.
1.3 PURPOSE OF THE STUDY
The sale purpose of carrying out this research is to identify the impact of supervision on effective bank management in Nigeria economy, particular reference will be made to United Bank of Africa Plc. (UBA) station road, Enugu Supervision the bank manager can now monitor their subordinate and also receive advice from the lower staff of the organization. The bank management has now introduced supervision department. The purpose of this study is to improve the speed or rate of supervision in the banking system thus reducing he cash or money bring lose.
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