THE EFFECT OF CORPORATE GOVERNANCE ON THE NIGERIAN BANKING SECTOR
ABSTRACT
The study was conducted to examine the effect of corporate governance in the Nigerian Banking sector. The specific objectives of the study were to determine effect of corporate governance on bank performance and to ascertain the relationship between corporate governance, loans and bad debts in banks while making recommendations on how to boost corporate governance and reduce the rate of bad debt and insolvency in the Nigerian banking sector. In order to achieve these objectives, the field study of the cross-sectional survey method, were employed. Using these approaches, data were collected from secondary sources and analyzed using the non-probability sampling technique with the Taro Yamane formula for determining sample size and the student’s t-test to test the hypothesis. From the analysis, it was discovered that there is a strong relationship between corporate governance and bank performance. It was also found out that poor corporate governance contributes to bad debts on banks also that the growth and success of the entire banking sector depends on good corporate governance and so it was recommended that banks should follow the principles of good corporate governance given by the Basel Committee which emphasizes on board responsibility to approve and oversee the implementation of bank’s strategic objectives, risk strategy, corporate values, and also to employ well train and experienced personnel for credit granting and risk mangers for the right position in other to reduce bad debt and bank failure.
CHAPTER ONE
INTRODUCTION – – – – – – – 1
1.1 Background of the Study – – – – – 2-5
1.2 Statement of the Problem – – – – – – 5-6
1.3 Objectives of the Study – – – – – 6-7
1.4 Research Questions – – – – – – 7
1.5 Research Hypotheses – – – – – 7-8
1.6 Significance of the Study – – – – – 8-10
1.7 Organization of the Study – – – – – 10
1.8 Scope of the Study – – – – – – 10
1.9 Limitations of the Study – – – – 11
1.10 Definition of Terms – – – – – – 11-12
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.0 Introduction – – – – – – – 14
2.1 The Concept of Corporate Governance – – – 14-16
2.2 Overview of Bank Corporate Governance – – 16-17
2.3 The Essence of supervision – – – – 18-19
2.4 Effects of Poor Corporate Governance on Banks – 19-20
2.5 Bad debts as effect of Poor Corporate Governance – 20-22
2.6 Causes of Bad Debts and its Implications – – 22-23
CHAPTER THREE
RESEARCH METHODOLOGY
- Introduction – – – – – – 25
3.1 Research Design – – – – – – – 25-26
3.2 Population of the Study – – – – – 26
3.3 Sample Size – – – – – – – 26-27
3.4 Sampling Techniques – – – – – – 27
3.5 Data Collection – – – – – – – 27-28
3.6 Validity of Data – – – – – – – 28
3.7 Statistical Instruments – – – – – – 28
CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.0 Introduction – – – – – – – 29
4.1 Data Presentation – – – – – – 30-32
4.2 Data Analysis – – – – – – – 33-34
4.3 Hypotheses Testing – – – – – – 34-40
4.4 Discussion of Findings – – – – – – 40-41
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
5.0 Introduction – – – – – – – 42
5.1 Summary – – – – – – – – 42-44
5.2 Conclusion – – – – – – – – 44-45
5.3 Recommendations – – – – – – 45-48
5.4 Areas for further study – – – – – – 48-49
References – – – – – – – – 50-51
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