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THE IMPACT OF BANK CONSOLIDATION ON SERVICE DELIVERY: A STUDY OF BANKS IN ZARIA; 2004 – 2014
Abstract:
In 2004, a major reform policy was undertaken in the Nigerian banking sector with the view to removing or minimizing certain operational constraints thereby enhancing the fiscal strengths, stability and efficient service delivery of the banks. This study assessed the impact of banking consolidation in order to ascertain whether it has yielded or yielding desired results with an x empirical focus on Zaria based banks. The study is guided by the structural-functionalist theory. The data was quantitative and qualitatively generated and analyzed through tabulation and complimented with other primary and secondary sources. The study found out that Bank consolidation has positive impact on the service delivery to customers of the banks but not significant, which is due to pre-mature mergers, supervision practice and financial integration etc. It therefore recommends that regulatory mechanism should be improved and difficulties in services rendered by these banks should be minimized.
THE IMPACT OF BANK CONSOLIDATION ON SERVICE DELIVERY: A STUDY OF BANKS IN ZARIA; 2004 – 2014
