Recapitalization is the most recent trend haunting the financial sector of the Nigerian economy. It was introduced in the form of an official order by the Central Bank of Nigeria (CBN) and was issued to banks to consolidate their capital bases to the tune of a minimum of N 25 billion to be raised by each bank before 31st December 2005 thus causing many banks incapable of raising such fund to merge with other bank (Johnson, P.F.) Recapitalization involves a fundamental change in the ... read more

The consolidation of banks has been the major policy instrument being adopted in correcting deficiencies in the financial sector. The economic rationale for domestic consolidation is indisputable. An early view of consolidation in banking was that it makes banking more cost efficient because larger banks can eliminate excess capacity in areas like data processing, personnel, marketing, or overlapping branch networks, cost efficiency also could increase if more efficient banks acquired less effic... read more

The micro finance banks in port hacourt and in Nigeria as a whole is growing signifcantly with time and increasing the level of competition among them; only those with the best strategies tends to fare better in the market. The customers of micro finance banks in Nigeria are not much; now with the number of micro finance banks in Port hacourt with small number of customer tends to increase the level of competition among micro finance banks in port hacourt. For the purpose of this research work w... read more

Commercial Banks operate to mobilize deposits from the populace and keep. Some in trust payable on demand. Through the performance of this role, Banks act as reservoir for surplus funds and thus lend safe portion of these funds to clients that have genuine needs for them. The banks have special responsibility to ensure effective management of these funds kept in trust with them by depositors. Chester A Rude puts it that the way and manner in which funds are handled “determines whether the... read more

Risk Management is the identification assessment and prioritization of risks. It is the effect of uncertainty on objectives, whether positive or negative followed by coordinated and economic of application of resources to monitor and control the probability and/or impact of unfortunate events or to maximize the realization of opportunities (Okeh, 2006). The survival of every commercial bank depends on its ability to manage its risks and loans or advance portfolio effectively. However in the r... read more

Marketing is the process of planning and executing the conception, pricing, promotion and distribution of ideas, goods and services, organization and event to create and maintain relationships that will satisfy individual and organizational objectives. It is fundamental to business growth. It basically includes getting goods and services to the final consumer satisfactorily. The Nigeria banking sector has changed tremendously since the introduction of the Structural Adjustment Programme (SAP)... read more

Information technology is a body of tools with the convergence of communication and computer. It is also series of machine, which can execute sequence of instructions. The sequence of instruction is a program made particularly flexible and not rigid and can be change depending on the information being processed (Goldberg, 2009). The new millennium brought with it new possibilities in terms of information access and availability simultaneously, introducing new challenges in protecting sensitiv... read more

The consolidation of banks has been the major policy instrument being adopted in correcting deficiencies in the financial sector. The economic rationale for domestic consolidation is indisputable. An early view of consolidation in banking was that it makes banking more cost efficient because larger banks can eliminate excess capacity in areas like data processing, personnel, marketing, or overlapping branch networks, cost efficiency also could increase if more efficient banks acquired less effic... read more

Credit generally denotes loans and advances made either directly or indirectly by a creditor (lender) to a debtor (borrower) on the principles of different payment. The banks as a lender, provides credit facilities by making funds available to customers in agreed terms and condition of payment. The gain of this credit to the bank is supposed to be huge profit instead of this over the year, modern banks (particularly commercial banks) have been recording huge amount of bad debt provision which in... read more

Forms of banking have been in existence about 500 BC. The early bankers (the jews) lombandy in Italy transacted their business in the benches in the market place. The word.” Bank” It self is derived from Italian word “BANCO” which means “Bench” when a banker failed them this bench was broken up by the angry people (i.e depositors) hence the word “BANKRUPTCY” was derived from the “BANKCORRUPTION” which means broken bench. This types of banking into not begin until the sixte... read more

Motivation on bank employee was established by the organisation (bank) with the aim to reset the healthy course of reconstruction growth and development of the organisation (bank) this research is set to understand how height level of employee engagement incentive to reward good work which happen to be a tried and also a test way of boosting staff moral. But from banks perspective a banker, job in addition to growth the economy, there by motivation is necessary on bank employee for effective... read more

Banking in Nigeria was carried out devoid of any electronic devices until the middle of 1980s. The operations of bank were mostly manual and fraught with attendant problem of poor services delivery. The era of new generation bank brought into the banking industry competition and need to provide quality services to the banking public. This brought about the need for some form of automated system. Kyari (2002), acknowledged this fact when he admitted that banks began to invest in computer fo... read more

The Nigerian banking industry has witnessed and is still witnessing revolutionary metamorphosis in recent years as a result of the restructuring programmes channeled towards resolving the existing problems of the industry by the apex bank. The most recent championed epitome is the recapitalization exercise which has shaped the structure of the Nigerian banking industry significantly. According to Adegbaju and Olokoyo [2006], the banking sector reforms and recapitalization resulted from deliberat... read more

The word “bad and doubtful debt” is used in the banking to refer to the portion of loans, advances and over drafts granted by bank which has proved difficult and seemingly impossible to recover in full from the respective committed customer. Such debt do not emerge instantaneously but rather are a gradual result of “lending errors” by lending officers and subsequent improper administrative handling of the facilities among other factors. The commercial banks are in the services industr... read more

Information technology has already become the nervous system of banks the world wide. Banks all over the world realized that only those that overhaul the whole of their payment and services delivery systems and operations are likely to survive and prosper in this global world of technology. This is due to the pressure of globalization, consideration, deregulation and rapidly changing technology. In order to properly place themselves in favourably positions to be reckoned with in the new country... read more

In both developed and developing countries, the small scale industry is seen as the vehicle for rapid industrialization, sustainable economic growth and development, poverty alleviation as well as the seed bed of innovation and employment generation. It goes without saying therefore, that small scale enterprises have the potential of becoming the engine of the economic growth in any country (http://www.snbd.com, July 8 2010). Because of this paramount importance of small scale businesses, the... read more

Micro finance Bank (describe here as small scale financial services to claim that they are economically active various urban and rural areas) has been proven to be effective in fighting poverty by providing entrepreneurs with the necessary capital to start and expand their entrepreneurial activities. Last year, successive government has put in place various policies in order to make things easier for the ordinary man on the street. Unfortunately, the struggle for survival has became more diff... read more

The business world can be extremely competitive, companies typically want to have something that makes them stand out from the crowd, something that make them more appealing and interesting to both members of the public and the media. A favourable image can help increase a company’s sales and negative publicity can damage a company’s reputation and decrease sales. Public relation (PR) can give consumer and the media a better understanding of how a company works. Within a company, a public re... read more

A microfinance institution is a semi formal organization. It can be non government al or community development initiative. It is a subset of flexible structures and system which provide a wide range of financial and saving needs of small scale enterprises in developing countries where top town formal financial institutions have failed to address the credit need off the real sector of the economy. The Nigeria microfinance institution have come along way, a central bank study has identified as... read more

Nigeria has been endowed with abundant human and material resources. Yet, imports bills for good and agricultural raw materials have been on the increase over the years. Prior to political independence and immediately after the country got its independence, it was not only sufficient in food production and agricultural raw materials, but was generally having surplus for export. Statistics from the Central Bank of Nigeria indicates that the agricultural sectors share of the gross domestic p... read more