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PROPOSAL

The economy of Nigeria as it were had a lot of structural distorters in the 1980s.  This was based on the economic policies pursued prior to 1985; however, the measure of control introduced between 1982 and 1986 were unable to improve the economy positively, instead that period was characterized by short supply of industrial inputs, plants closure, large retrenchment of workers, etc. However, the importance of banks t the economy cannot be overemphasized.  Hence the researcher in a quest to delve in the impact of deregulation of the economy on the performance of commercial banks has chosen to critically identify and analyze the impact of the deregulation by the government on banks with particular interest in First Bank of Nigeria PLC.  The aim is to identify the important and benefit of deregulated economy with particular reference to commercial banks in general and First Bank of Nigeria PLC. in particular, the benefit therefrom and to make recommendation on how to make or improve commercial banks performance in a deregulated economy.  The deregulation as it affects the banking industry involved the introduction of the following policy measures.

1. Deregulation of interest rate structure
2. Institute of Foreign Exchange Market
3. Mopping up of excess liquidity.

Furthermore, for the researcher to achieve this purpose, both primary and secondary data will be collected.

Thereafter bring out recommendation based on findings on why deregulation of the economy viz.; commercial banks will bring out the best for the economy.

Recently, the removal of subsidies is part of the process of deregulation that the government believes is the best solution to the problem of instability in the oil sector.  These where the words of Mr. President in his broadcast to the nation on June 15th 2000, after a hike in the prices of petroleum products.  However, since federal government has the deregulation as the only permanent solution to fuel problem, the banking industry needs to anticipate and sensitize itself to the challenges of a deregulated economy.  The banking industry also needs to appropriately reposition itself to the full advantage of the gains that might arise from deregulation.

Deregulation will definitely pose some challenges to the banking industry.  However, the ability to cope with the high demand for bank loan with competitive lending rates the ability to effectively manage credit risk, the level of expertise in investment be the important determinants of success for banks.

 

TABLE OF CONTENTS

 

CHAPTER ONE

1. INTRODUCTION                                                                   1
2. STATEMENT OF THE PROBLEM                             6
3. OBJECTIVE OF THE STUDY                                               7
4. SIGNIFICANCE AND RELEVANCE OF STUDY      8
5. SCOPE AND LIMITATION OF STUDY                     10
6. FORMATION OF HYPOTHESIS                                 12
7. RESEARCH METHODOLOGY                                   13

 

CHAPTER TWO

LITERATURE REVIEW                          

1. SURVEY OF THE HISTORY OF BANKING IN NIGERIA 17
2. FUNCTIONS OF COMMERCIAL BANKS                           22

2.3A   THE STRUCTURAL ADJUSTMENT PROGRAMME         30

2.3B   POLICY STRATEGY OF STRUCTURAL ADJUSTMENT PROGRAMME                                                              32

2.3C   IMPLEMENTATION OF STRUCTURAL ADJUSTMENT PROGRAMME                                                               32

2.3D   ACHIEVEMENT OF STRUCTURAL ADJUSTMENT PROGRAMME                                                           34

2.4     THE PERFORMANCE OF COMMERCIAL BANKS BEFORE DEREGULATION                                                   36

1. MONETARY POLICY MEASURES                                     37
2. FISCAL POLICY MEASURES
3. THE PERFORMANCE OF COMMERCIAL BANKS AFTER DEREGULATION                                                     41
   1. MONETARY POLICY MEASURES                                     42
   2. FOREIGN EXCHANGE MARKET                              44
   3. INTEREST RATE DEREGULATION                          45
   4. THE NIGERIA DEPOSIT INSURANCE CORPORATION (NDIC)                                                                            47
4. THE ROLE OF CENTRAL BANK IN THE DEREGULATION OF THE ECONOMY                                                          49
   1. EXCHANGE RATE POLICY                                       50
   2. FOREIGN EXCHANGE MANAGEMENT                            51
   3. DEBT RE-SCHEDULING AND DEBT CONVERSION 51
5. EFFECT OF DEREGULATION OF THE ECONOMY IN COMMERCIAL BANK                                                    52
6. THE RATES OF CENTRAL BANKS IN AN ECONOMIC SYSTEM                                                                        
7. FINANCIAL STATEMENT ANALYSIS                      59

 

CHAPTER THREE

RESEARCH METHODOLOGY

1. INTRODUCTION                                                                   67
2. DATA COLLECTION PROCEDURE                          68
3. CASE STUDY                                                              69
4. DESIGN AND ADMINISTRATION OF QUESTIONNAIRE
5. INTERVIEW
6. HYPOTHESIS
7. METHOD OF DATA ANALYSIS                                70

 

CHAPTER FOUR

ANALYSIS AND INTERPRETATION OF DATA

1. INTRODUCTION                                                                   75
2. ANALYSIS AND INTERPRETATION OF PUBLISHED ANNUAL REPORT AND ACCOUNT                   
3. ANALYSIS OF DATA FROM QUESTIONNAIRES
   1. BREAK DOWN OF RESPONSE FROM QUESTIONNAIRE DISTRIBUTION
   2. SUMMARY OF FINDINGS FROM THE QUESTIONNAIRE DISTRIBUTED
   3. TEST OF HYPOTHESIS

 

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

1. SUMMARY                                                                  102
2. CONCLUSION                                                              104
3. RECOMMENDATION                                                 106

BIBLIOGRAPHY                                                                             113

APPENDIX I