Consolidation an acquisition a financial option to the productivity of bank in Nigeria economy. (A case study of three selected banks in Owerri Imo State)

  TABLE OF CONTENTS

TITLE
PAGE—————————————————I

APPROVAL
PAGE——————————————–II

DEDICATION
———————————————–III

AKNOWLEDGEMENT.—————————————-IV

ABSTRACT—————————————————–V

TABLE
OF CONTENT——————————————VI

2 CHAPTER ONE

1.0
INTRODUCTION——————————————1

1.1
BACKGROUND OF THE STUDY—————————-2

1.2
STATEMENT OF THE PROBLEM—————————-3

1.3
OBJECTIVES OF THE STUDY——————————3

1.4
RESEARCH QUESTION————————————-4

1.5
SIGNIFICANCE OF THE STUDY—————————4-5

1.6
SCOPE OF THE STUDY————————————-5-6

1.7
DEFINITION OF TERMS————————————-6

CHAPTER TWO

2.0
LITERATURE REVIEW—————————————-7

2.1
INTRODUCTION ——————————————-7-17

CHAPTER THREE

3.0
RESEARCH DESIGN AND METHODOLOGY——————-18

3.1
INTRODUCTION———————————————–18

3.2
RESEARCH DESIGN—————————————19-20

3.3
SOURCES/METHOD OF DATA COLLECTION—————–20

3.4
POPULATION AND SAMPLE SIZE—————————-21

3.5
SAMPLING TECHNIQUES————————————-21

3.6
VALIDITY AND RELIABILITY OF MEASURING INSTRUMENT————————————————————————21

3.7
METHOD OF DATA ANALYSIS—————————-22-23

CHAPTER FOUR

4.0
PRESENTATIONAND ANALYSIS OF DATA——————-24

4.1
INTRODUCTION ——————————————–24

4.2
PRESENTATION OF DATA——————————-24-26

4.3
ANALYSIS OF DATA———————————–25-35

4.4
INTERPRETATION OF RESULT ——————————-35

OUESTIONNAIRE———————————————-36-38

CHAPTER FIVE

5.0SUMMARY, CONCLUSION, RECOMMENDATION————
39

5.2
SUMMARY OF THE FINDING  —————————-39-40

5.3
 CONCLUSION————————————————41

5.4
RECOMMENDATION—————————————41-52

REFERENCE——————————————————-43

APPENDIX——————————————————–

CHAPTER ONE

1. INTRODUCTION

(According to Muru) In all human activities there are usually success and failure. Businesses, including banks are therefore no exception. In the period of loan as were experienced in the mid seventies thrived in an era of abundance and squander mamia. In such an era savings and investment are at their level-conditions favorable for banks to flourish and grow.

During
this period also, banks do not think of means of survival and sustenance. They
were all interested in building state of the art corporate entities to enhance
their image and giving out loans indiscriminating without adequate realizable
securities. On the other hand, when the lay daTa are over and down turns take
over, the orders of the day as a result of macro-economic condition.

The situation as at now attained a dimension that can best be described as “cries level in the banking sector which became characterized by default in loan payment, dis saving and massive fraud at management level.

1. BACKGROUND
   OF THE STUDY

(According
to Abraham)  He says in all human
activities, there is usually success and failure business including banks is
therefore no exception. In period of loan as were experienced in the mid
seventies thrived in an abundance and squander mania. In such an era savings
and investments are at their peak level conditions favorable for bank to
flourish and grow.

During
this period also, banks do not think means survive and substance. They were all
interested in building state of the art corporate edifies to enhance their
image and giving out loans indiscriminately without adequate realizable
securities.

On the other hand, when the lay days are over and down turns take over the orders the days arrive and banks failure become the order of the day as a result of adverse macro- economic conditions. The situation as at now attained a dimension that can best be described as “cries” level in the banking sector which became characterized by default in loan repayment,, dis-saving and massive fraud of management level.

CONSOLIDATION AN ACQUISITION A FINANCIAL OPTION TO THE PRODUCTIVITY OF BANK IN NIGERIA ECONOMY. (A CASE STUDY OF THREE SELECTED BANKS IN OWERRI IMO STATE)