BANKS’ SURVIVAL STRATEGIES IN A POTENTIALLY DISTRESSED FINANCIAL ENVIRONMENT: A CASE STUDY OF HABIB NIGERIA BANK LIMITED

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BANKS’ SURVIVAL STRATEGIES IN A POTENTIALLY DISTRESSED FINANCIAL ENVIRONMENT: A CASE STUDY OF HABIB NIGERIA BANK LIMITED

ABSTRACT

This study has revealed that a gap exists between the theoretical basis and the practical application of existing knowledge and experience in the field of banking and financial institutions management in the developing countries. As a consequence of this gap, the study further reveals that there could be an impact on the national economies, in particular the domestic currency operations, of such countries; with considerable loss of funds by shareholders, creditors and depositors. The measures necessary and steps needed to bridge the gap is the objective of this study. The study gives a preview of the stormy and chequered history of banking in Nigeria. It also provides an overview of the current myriad of problems being experienced by the banking industry in Nigeria, which started in 1986 shortly following the introduction of the Structural Adjustment Programme (SAP), and culminated with the demise of some 40 banks in 1994 and the loss of an estimated over 41 billion Naira of depositors funds. The central theme that emerge is that banking is in the midst of change. As government seek to improve economic efficiency and better allocate resources, policy makers are shifting economies towards openness, competition, and market discipline. Privatization is spreading, and state firms including banks that were once highly regulated, are being given greater autonomy. This, coupled with the near-global confrontation with financial distress – all demand substantial strengthening of banking institutions. The study found a strong correlation between financial ratios and profit or strength of the bank in a sample statistics drawn from reports on the case study bank. The sample correlation is also demonstrated to be statistically significant through hypothesis testing using t test. In summary, the study revealed that for banks in both in the developed and developing countries to survive and prosper in a market economy; they must be prudently run by competent, knowledgeable and experienced management and board of directors; meet regulatory standards and laws; developing the capacity to select from international experiences aspects of planning and management that are useful; and clearly defining feasible goals in relation to their technical and financial resources and in consonance with their cultural, economic and social environment.

 

TABLE OF CONTENT

Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi

CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10

CHAPTER TWO

LITERATURE REVIEW – – – – – – -11

CHAPTER THREE

Research methodology – – – – – – -39
Design of study – – – – – – – -40

CHAPTER FOUR

Presentation, analysis and interpretation of data – -48

CHAPTER FIVE

Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69

BANKS’ SURVIVAL STRATEGIES IN A POTENTIALLY DISTRESSED FINANCIAL ENVIRONMENT: A CASE STUDY OF HABIB NIGERIA BANK LIMITED

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