Banking and Finance project topics and materials free Download in PDF & DOC for Nigeria

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  • CORPORATE GOVERNANCE AND FINANCIAL PERFORMANCE OF BANKS: A STUDY OF LISTED BANKS IN NIGERIA

    ABSTRACT

     This research is on Corporate governance and financial performance of banks: a study of listed banks in Nigeria. An international wave of mergers and acquisitions has swept the banking industry as boundaries between financial sectors and products have blurred dramatically. There is therefore the need for countries to have sound resilient banking systems with good corporate governance, which will strengthen and upgrade the institution to survive in an increasingly open environment. In Nigeria, the Central Bank unveiled new banking guidelines designed to consolidate and restructure the industry through mergers and acquisition. This was to make Nigerian banks more competitive and be able to operate in the global market. Despite all its attempts, the Central Bank of Nigeria disclosed that after the consolidation in 2006, 741 cases of attempted fraud and forgery involving N5.4 billion were reported. In the light of the above, this research examined the relationships that exist between governance mechanisms and financial performance in the Nigerian consolidated banks. And also to find out if there is any significant relationship between the level of corporate governance disclosure index among Nigerian banks and their performance. The Pearson Correlation and the regression analysis were used to find out whether there is a relationship between the corporate governance variables and firm’s performance. In examining the level of corporate governance disclosures of the sampled banks, a disclosure index was developed guided by the CBN code of governance and also on the basis of the papers prepared by the UN secretariat for the nineteenth session of ISAR (International Standards of Accounting and Reporting). The study therefore observed that a negative but significant relationship exists between board size, board composition and the financial performance of these banks, while a positive and significant relationship was also noticed between directors’ equity interest, level of governance disclosure and performance. Furthermore, the t- test result indicated that while a significant difference was observed in the profitability of the healthy banks and the rescued banks, no difference was seen in the profitability of banks with foreign directors and that of banks without foreign directors. The study therefore concludes that there is no uniformity in the disclosure of corporate governance practices by the banks. Likewise, the banks do not disclose in general how their debts are performing, by providing a statement that expresses outstanding debts in terms of their ages and due dates. The study suggests that efforts to improve corporate governance should focus on the value of the stock ownership of board members. Also, steps should be taken for mandatory compliance with the code of corporate governance while an effective legal framework should be developed that specifies the rights and obligations of a bank, its directors, shareholders, specific disclosure requirements and provide for effective enforcement of the law.

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  • The role of financial institutions in export financing in Nigeria from 2015 – 2020. (a case study of first bank of Nigeria plc Onitsha branch)

    ABSTRACT

    This study is on the role of financial institutions in export financing in Nigeria from 2015 – 2020. (a case study of first bank of Nigeria plc. Onitsha branch). The primary objectives of this study was to examine how the financial institution export finance in Nigeria using First Bank  of Nigeria plc. Onitsha branch as a case study. In carrying out this study, I used survey method in which I used the questionnaire to collect data. The target population was the staff of first bank of Nigeria plc. Onitsha Branch from which a sample of 80 was drawn. I used research questions and formulated research hypotheses. The relevant literature was reviewed for the study. The data were collected, presented analyzed and hypotheses tested using chi-square. At the end of the study a number of recommendations were made for further studies and on how to improve the Nigeria financial export in Nigeria and how to encourage the institutions for expansion and modernization.

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  • FINANCIAL INCLUSION IN NIGERIA: THE IMPACT OF COLLECTIVE INVESTMENT SCHEMES ON LOW-INCOME EARNERS

    ABSTRACT

    This research is on Financial inclusion in Nigeria: the impact of collective investment schemes on low-income earners. This study investigates the impact of collective investment on the Income of Low-income earners in Nigeria. The income of 200 households in Yaba local Development Council Area analysis. Most of this data was from the primary source. All data collected were subjected to descriptive analysis, using frequency count and percentages. The research hypotheses were tested using the regression model. The finding of this study indicated that there is a significant relationship between collective investment and the income level of the low-income earners. The study concluded that on the micro level, collective investment schemes is seen as one of the ways through which earning could be enhance and poverty alleviated. This study tries to find out how collective investment schemes can help reduce poverty among young adults in the Yaba Local Development Area of Lagos states.

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  • A CRITICAL ANALYSIS OF THE USE OF FINANCIAL REPORT IN ASSESSING BANK PERFORMANCE. A study of Access bank of Nigeria PLC

    ABSTRACT

    This project is on A Critical analysis of the use of financial report in assessing bank performance. The purpose of this study was to examine banks, on investments and performance appraisal. It was also to ascertain the problems of using financial reports to access performance of banks and finally to determine 17 there’s a relationship between financial reporting and performance evaluation of a bank.

    The inductive research method was adopted and the statistical analysts, particularly the chi-square and t-distribution test were used in the analysis of the data collected from the bank.

    The findings of the study were that:

    1.Source financial statement contained in the financial reports influence investment remarkably in banks.

    2.The annual reports do not reflect inflationary effects in the country today.

    3.The financial reports were prepared adapting a general purpose nature with the assumption that different user as of the report have different information needs.

    The following conclusions were made:

    Although investors and performance evaluation analyst relied on financial statement in their decisions and appraisal, the reliability of financial report especially during inflation cannot be assured owing to the historical cost convention used as a basis for asset valuation by banks. This is because; the profits of an accounting year would not usually show a true figure owing to the courage effect of inflation. Therefore, managerial decision of banks based entirely on financial reports will lend to poor and inadequate decisions.

    The recommendations and suggesting made were base wholly on the out come of the study, for example, on the problem inflation, it was recommended that the bank should adopt the current cost accounting basis for its financial reporting ensure credibility and reliability of information, by the various users, given the inflationary relatives.

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