FINANCIAL DISTRESS IN SOME COMMERCIAL BANKS, REASONS, ISSUES, CONSEQUENCES AND SOLUTION.

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ABSTRACT
A descriptive study was made about financial distress in some Commercial Banks using secondary statistics.
This research work was designed to describe the Financial distress in some Commercial Bank in Nigeria. Also the causative factor as it affects Commercial Banks with the limited area of coverage.
The study also look at the following objectives such as nature and type of financial distress facing some Commercial Banks, banks involved in the distress, causes of distress, level of distress and to know if poor management also cause distress.
The study also answers the five (5) research questions. It was also discovered that distress is caused as a result of poor management, insolvency loss asset base, inadequacy of capital etc.
Therefore, recommendation such as: proper management, adequate funding, increased asset base provisions and adequate liquidity were made for the study. Also such research work should be done to other non-financial Banking Institution and other West African Country.

LIST OF TABLE
TABLE 2.1 LEVEL OF DISTRESS IN THE BANKING SYSTEM – 29.

TABLE OF CONTENTS
TITLE PAGE II

APPROVAL PAGE III
DEDICATION IV
ACKNOWLEDGEMENT V
ABSTRACTS VI
LIST OF TABLES VIII
TABLE OF CONTENTS IX
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY 1
1.2 STATEMENT OF PROBLEM 2
1.3 OBJECTIVE OF THE STUDY 3
1.4 RESEARCH QUESTIONS 4
1.5 SCOPE OF STUDY 5
1.6 LIMITATION OF STUDY 5
1.7 SIGNIFICANCE OF THE STUDY 6
1.8 RATIONALE/JUSTIFICATION FOR THE STUDY6
1.9 DEFINITION OF TERMS 7
1.10 ASSUMPTION OF THE STUDY 8

CHAPTER TWO
LITERATURE REVIEW 9
2.1 FINANCIAL DISTRESS 13
2.2 MANAGING DISTRESS IN NIGERIAN BANKS 14
2.3 ASSESSMENT OF THE RESOLUTION FRAMEWORK
IN NIGERIA AND PROBLEMS 21
2.4 ACTION TO TACKLE FINANCIAL DISTRESS
2.5 CAUSES OF FINANCIAL DISTRESS
2.6 MEASURE/EXTENT OF DISTRESS IN NIGERIA

CHAPTER THREE
RESEARCH METHODOLOGY
3.1 SOURCE OF DATA 39
3.2 LIMITATION OF SOURCE OF DATA 41

CHAPTER FOUR
FINDINGS 43

CHAPTER FIVE
SUMMARY, CONCLUSION AND SUGGESTION FOR
FURTHER RESEARCH
5.1 SUMMARY OF FINDINGS 47
5.2 CONCLUSION 48
5.3 SUGGESTION FOR FURTHER RESEARCH 49
BIBLIOGRAPHY 50
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
In the Nigerian Banking system considering the last decade the Commercial Banking to be precise had under gone a rapid expansion both in terms of the number of Institution and the scope of Financial services rendered. As bank licensing was liberalized so was the seed of instability sown in these banking system at the same time.
As these expansion trend continuous, a sign of lacked vision among the investors and the directors motive of quick returns to satisfy the liquidity operation. The word distress has been in existence but increased promptly as these institution increased due to acute shortage of resources and the massive with drawal of deposit by government agencies and other public sectors from these bank.
The development threatened the Financial structure, expose and undermine the economic system which impede development of the economy.
Therefore, distress places a great burden on regulatory authority, depress the economy, undermine the payment system and discourage savings.

1.2 STATEMENT OF THE PROBLEM
Some Commercial Banks have been diverted to assist in loans and advances to various sectors of the economy. And the Commercial Banking is known as refall banking which accept deposit and make payment to his customers. But the Financial condition of some of these Commercial Banking due to the political instability/electoral campaign that is on. Political analyst describe this on coming election to be one of the brutal crisis that is to come. Therefore, there is panic with drawal of fund by these bank customers. This institution is now bogged down by distress, insolvency, poor liquidity due to decline in deposit, and loss of confidence. The crisis has to be averted and the urgency prompted the study. This research work is designed to describe the