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THE IMPACT OF SUPERVISION OF EFFECTIVE BANK MANAGEMENT (A CASE STUDY OF UBA PLC, MAIN BRANCH, STATION ROAD, ENUGU)

 

ABSTRACT

This research work was aimed at determining the impact of supervision of Effective Bank Management with particular reference to UBA Plc, Station, Road, Enugu.

A structured questionnaire made up of a little combination of some dictatorship and open ended questions was developed and distributed to a sample size of 79 male and female employees of UBA Plc, Station Road, Enugu.

The data collected were analyzed using tables, percentages and chi-square.  Based on the above, major findings include:

1. That the human and non-human resources available in the bank are limited.
2. That UBA Plc, Station Road heartily experience computer fraud.
3. That undue interference and insecurity of the job or position of supervisors affect the objectivity of their reports and recommendations.
4. Non-implementation of previous reports affect the functions of supervisors.

Based on these findings, the following recommendations were made for improved efficiency and effectiveness in the management of the banking industry.

1. Banks should use delegation ad a supervisory strategy to be in professional touch with all the departments in a bank despite physical remoteness.
2. A programme of in-service education and training should be given to staff on a regular basis to enable them get abreast with the changing demands of time.
3. Banks should consistently organize seminars, staff meetings, individual conferences, etc to motivate staff.

Staff safety and welfare should be adequately assured for continuity

 

TABLE OF CONTENTS

CHAPTER ONE:        

INTRODUCTION

1. Background of the study
2. Statement of the problem
3. Objective of the study
4. Significance of the study
5. Scope of the study
6. Limitation of the study
7. Research questions
8. Research hypothesis
9. Definition of terms

Reference

 

CHAPTER TWO:       

LITERATURE REVIEW

2.1     Concept and purpose of supervision

1. Organization and management strategies of banks
2. Developing effectiveness in supervision
3. Summary of related literature

References

 

CHAPTER THREE:   

RESEARCH DESIGN AND METHODOLOGY

3.0     Introduction to the study

3.1     Research design

3.2     Area of the study

3.3     Population of the study

1. Sample size determination
2. Instrument of data collection
3. Validation of the instrument
4. Reliability of the instrument
5. Method of data collections

3.9     Method of data analysis

 

 

CHAPTER FOUR:      

DATA PRESENTATION AND ANALYSIS

1. Presentation and analysis of data
2. Testing of hypothesis

4.3     Summary of results

 

 

CHAPTER FIVE:       

DISCUSSION, RECOMMENDATION AND CONCLUSION

5.1     Discussion of result finding

5.2     Conclusion

5.3     Recommendations

1. Suggestions for further research

Bibliography

Appendix         

 

LIST OF TABLE

TABLES                                                                                 PAGES

4.1.1Sex distribution

4.1.2Marital status

4.1.3Educational level

4.1.4Duration of services

4.1.5Adequacy of resources

4.1.6Extent of bad debts

4.1.7Compliance with rules and procedures before granting loans

4.1.8Has your bank experienced computer fraud

1. How are computer frauds being checked in your bank
2. Effect of undue interference and insecurity of job/position of

supervisor on the objectivity of their reports and recommendations

1. Effect of non-implementation of previous reports and

recommendations on the supervisors function

1. The degree of job security and satisfaction amongst the

employees of UBA Plc Stations Road Enugu

 

CHAPTER ONE

INTRODUCTION

1. BACKGROUND OF THE STUDY

Banking is defined in the 1969 Act as “the business of receiving monies from outside sources as deposits irrespective of the payment of interest and the granting of loans and acceptance of credits, of the purchase and sale of securities for account of others, or the incurring of the obligation to acquire claims in respect of loans prior to their maturity or the assumption of guarantees and other warranties for others, or the effecting of transfer and clearings and such other transactions as the commissioner may, on the recommendation of the central bank, by order publish in the Federal Gazette designate as banking business.

The Nigerian banking system is made up of the central bank, commercial banks, merchant banks and development banks.

However, in the most recent past, the federal military government established the community and people’s banks, with broad based programmes to enhance the welfare of the citizens.

In Nigeria, the banks are closely monitored and regulated by the government through its agency, the Central Bank of Nigeria (CBN).  The need for this close marking is to ensure that banks render services to their customers in a manner consistent with safe banking operations and government financial policy.

 

Due to the direct need to effectively and efficiently manage depositors’ fund, the task of managing is entrusted to reputable and diligent personnel.  This is due to the various functions involved in the art of bank management.

The management personnel of banks usually establish internal control procedures for the effective discharge of the major functions in order to attain their corporate objectives.  In doing this, special attention is always given to communication problems.  The organizational structures of banks usually have a line-end-staff form so that there will be free flow of information vertically.  Similarly, the lower level management can also advise top-level management.  This free flow of information will make those below the top management to be fully aware of the bank’s policy and their own individual and group responsibilities toward the bank.  It also provides a basis for effective decision making.  This is followed by planning which deals with mapping out strategies to implement decision.

There is therefore a need to establish a follow-up mechanism so that performances can be monitored to know whether actions are going according to plan and policies.  If not, then adjustments can be made.

It is in the light of these factors that the management function of controlling becomes very desirable.  A good combination of the basic functions of management planning, organizing, controlling and co-ordinating leads to overall efficiency and effectiveness.

In order to enhance proper management and ensure this efficiency, the bank’s management usually establishes internal control units known as the inspectorate division.  This division carries out daily and periodic supervision and inspection of all operations of the bank.  In the entire banking sector, the inspectorate is a household name, as it exists in all banks though under different names.  The setting up of the inspectorate divisions is aimed at stopping any form of financial distress in the Nigerian banking industry as well as other undesirables to both the bankers and customers.

Despite the establishment of this division, there seems to be lapses all over, Nigerian banks are characterized by persistent liquidity, slow loan recovery rate, inefficiency, and so on.  The expectation of an ideal banking system was remained a dream yet far to come true.  The situation is further worsened by the state of financial distress presently claiming the lives of many banks in the country.  The Nigerian Deposit and Insurance Corporation NDIC (1996) in its annual report declared fifty-one Nigerian banks distressed.  However, some banks like the UBA Plc have continued to survive – playing their major roles in the Nigerian Financial Market, despite all difficulties.  These roles are particularly important considering the fact that the extent of contribution of every sector accounts for national growth and development.

Based on the above factors, the researcher is moved to examine the extent to which the supervision techniques put in place in banks contribute to the efficient and effective management of the banks resources with reference to the United Bank for Africa Plc, Station Road, Enugu.

 

1. STATEMENT OF THE PROBLEM

Banking is in the service industry.  The quality of services rendered by our banks have not been so encouraging.  The government functionaries, businessmen, the media and the general public are all very critical of banking services.  The complaints usually made and include:

1. Inefficiency
2. Poor treasury management
3.  Cases of bad debts
4. Frequent rationalization and retrenchment of staff.  For instance, in December 1998, about three thousand staff of UBA Plc nationwide was laid off.  Even the nation’s apex bank, the Central Bank of Nigeria (CBN) was not left out in this ugly trend.  This creates job insecurity and workers may tend to indulge in fraudulent acts in order to survive.

Are the various criticisms about the banking industry from people of all works of life a mere run down of the industry?  These and more are what the researcher intends to find out.

 

1. OBJECTIVES OF THE STUDY

From all that had been written earlier, it is the aim of this study to:-

1. Examine the supervision techniques put in place in banks.
2. Ascertain the extent of bad debts in banks.
3. Identify the provisions made for the prevention of bad debts and how such provisions are applied.
4. Find out the extend of computer fraud and associated evils in banks, with a view to solving them.
5. Determine the degree of job security provisions and workers satisfaction in banks as it relates to proper accountability by the banking staff.