impact of bank consolidation

Impact of bank consolidation

ABSTRACT


The failure and weak capital base of the Nigeria banking sector questioned the effectiveness of the sector that is seen as one of the agent of financial stability and economic development in Nigeria. The CBN recent reform to consolidate the banking sector through drastic increase to N25billion as minimum capital base has lead to a remarkable reduction in the numbers of banks; changed their mode of operation and their contribution to the economy.

This research through literature review explores the effect of this consolidation on both the banks and the Nigeria economy and found that the induced CBN reform has changed the market structure of the banking sector; increased the efficiency and reliability of the banks and created opportunities for financial institutions.

The research posits further that “reforms of this nature such as consolidation of banks are one of the ways to improve the banking sector for financial stability and sustainable development”. Hence, recommend that further bank reforms be worked on so as to improve efficiency in the industry for the sake of economic development.

















TABLE OF CONTENT

PAGES

TITLE PAGE i

CERTIFICATION ii

DEDICATION iii

ACKNOWLEDGMENT iv

ABSTRACT v

1.0 CHAPTER ONE -: INTRODUCTION

1.1 BACKGROUND OF STUDY

1.2 STATEMENT OF PROBLEM

1.3 OBJECTIVE OF STUDY

1.4 RESEARCH QUESTIONS

1.5 HYPOTHESIS

1.6 SCOPE OF STUDY

1.7 SIGNIFICANCE OF STUDY

1.8 LIMITATION OF STUDY

1.9 DEFINITION OF TERMS

2.0 CHAPTER TWO -: LITERATURE REVIEW

2.1 INTRODUCTION

2.2 CONCEPT OF BANK CONSOLIDATION

2.3 EVOLUTION OF BANKING IN NIGERIA

2.4 ROLE OF BANKS IN THE NIGERIA ECONOMY

2.5 POSITION OF THE BANKING SECTOR BEFORE CONSOLIDATION

2.6 OBJECTIVE OF BANK CONSOLIDATION

2.7 BANK CONSOLIDATION THROUGH MERGER AND ACQUISITION

2.8 IMPACT OF CONSOLIDATION ON THE BANKING SECTOR

2.9 EFFECT OF BANK CONSOLIDATION ON THE NIGERIA ECONOMY

3.0 CHAPTER THREE -: RESEARCH METHODOLOGY

3.1 RESEARCH DESIGN

3.2 AREA OF STUDY

3.3 POPULATION OF STUDY

3.4 SOURCE OF DATA

3.5 SAMPLING METHOD

3.6 RESEARCH INSTRUMENTATION

3.7 VALIDITY AND RELIABILITY OF RESEARCH INSTRUMENT

3.8 METHOD OF INVESTIGATION

4.0 CHAPTER FOUR -: DATA ANALYSIS

4.1 PRESENTATION AND ANALYSIS

4.2 TEST OF HYPOTHESIS

5.0 CHAPTER FIVE -: SUMMARY OF FINDINGS / CONCLUSION

5.1 SUMMARY OF FINDING

5.2 CONCLUSION

RECOMMENDATION

REFERENCES

CHAPTER ONE

INTRODUCTION

1.1 BACKGROUND OF STUDY

Nigeria banking sector has experienced a boom-and-burst cycle in the past 20-25 years. After the implementation of the structural adjustment programme (SAP) in 1986 and de-regulation of the financial sector, new banks proliferated mainly driven by attractive arbitrage opportunities in the foreign exchange market (Heiko 2007), but prior to the de-regulation period, financial intermediation never took off and even declined in the1980’s and 1990’s (Capirio and Kligbiel).

The sector was highly oligopolistic with remarkable features of market concentration and leadership. Lemo noted that there are ten banks that control more than 50% of the aggregate assets of the banking sector, more than 51% of the aggregate deposits liabilities and more than 45%of the aggregate credits.

The sector was characterized by small scale banks with high overheads; low capital base averaging less than $10 million; heavy reliance on the government patronage and loss making. Nigeria‘s banking sector was still characterized by a high degree of fragmentation and low level of financial intermediation up to 2004.

This research work is motivated by the need to look into the Central bank (CBN)’s recent reform (consolidation) that employed certain measures to strengthen the Nigeria banking system by drastically increasing the minimum capital requirement from N2 million to N25 billion ($190 million-US). Through review of relevant literatures, analysis of policy documents, official report and economic information on the banking sector, it became evident that the consolidation of banks led to a remarkable reduction in the number of banks from 89 to 25 by merge, acquisition, initial public offer and other means. The research work concludes that bank consolidation has resulted in making banks more efficient and reliable and also, their intermediary potentials have also been revised.

1.2 STATEMENT OF PROBLEM

Business organizations are recently seeing consolidation (merge and acquisition) as an alternative means of re-capitalizing. The latest reform that compelled all commercial banks to raise their capital base from N2 million to N25 billion on or before 31st December 2005 sent some of the banks on their heels-considering consolidation(merge and acquisition).

The expected problems regarding consolidation are:

-there exists a high degree of calculated risk-taking to tap opportunities that come the way of business, but there is risk avoidance in Nigeria business and where risk is low, development is also low and industrial advance merit becomes nearly static.

Consolidation could also be a very expensive venture in terms of fund required to prosecute it successfully.

Corrupt practices at public and private sector level are another impediment. This needs to be discouraged and incidence of corrupt practices should be severely punished because consolidation deal requires confidence and trust to promote consummation.

1.3 OBJECTIVE OF STUDY

Bank consolidation will go a long way in enhancing economic growth in Nigeria and also in the banking and financial sector of the nation.

Hence, the fundamental objectives of this study are:

- To assess the implication of consolidation on the banking industry

- To examine the impact of consolidation on Nigeria banks

- To assess the state of Nigeria banks before consolidation

- To identify the benefits of bank consolidation

- To identify the effect of bank consolidation on Nigeria economy at large.

1.4 RESEARCH QUESTIONS

- How do you view the quality of the banking industry before consolidation?

- Do you think the industry actually needs a reformation or reform such as consolidation?

- How do you view the increase of capital base in the banking industry?

- Has the state of the banks improved after consolidation?

- Are the Nigeria banks strong and trusted enough to invest in?

- Do you think the Nigeria bank is well able to make an impact in the global banking sector?

- In your own view, do you think that bank consolidation has affected the nation’s economy positively or negatively?

- How will you rate the impact of consolidation of banks on the manufacturing sector of the Nigeria economy?

- Did bank consolidation programme make way for more job opportunities in Nigeria?

- Is the saving attitude of the citizens of Nigeria affected by bank consolidation positively?

1.5 HYPOTHESIS

Looking at the main purpose of this research, it will be reasonable to propose that:

i) Ho: The state of the Nigeria bank has not improve after consolidation

Hi: The state of the Nigeria bank has improved after consolidation

ii) Ho: The Nigeria bank is not strong and trusted enough to invest in

Hi: The Nigeria bank is strong and trusted enough to invest in

1.6 SCOPE OF STUDY

This research work is designed to cover the following areas:

- The evolution of banking in Nigeria

- The state / position of the banking industry before consolidation

- The objective of consolidation in the banking industry

- Impact of consolidation on the banking industry

- Effect of bank consolidation on the economy of the nation at large.

1.7 SIGNIFICANCE OF STUDY

The significance of this study is to add to the general body of knowledge, enlighten the general public on the following:

- The effect of bank consolidation on the economy of Nigeria.

- The impact of consolidation on the performance of banks in Nigeria.

- To bring to light the state of Nigeria banks financially and to encourage the masses to drop their fears and pick up the habit of savings again.

- To show to investors that the state of the banks has undergone a lot of changes through consolidation and hence, a sure ground for good investment.

1.8 LIMITATION OF STUDY

This research work is basically on the effect of bank consolidation on the economy of Nigeria and also, the impact of consolidation on the Nigeria banks.

It will concentrate and will not go beyond the consolidation programme and its effects beyond 2004 and 2008.

1.9 DEFINITION OF TERMS

Bank:-can be defined as a place of business that receives, lends, issues, exchanges and takes care of money, extend credit and provide ways of sending money and credit quickly from place to place.

Consolidation:-It is the reduction in the number of banks and other deposit taking institution with a simultaneous increase in the size and concentration of the consolidation entities in the sector (Bis, 2001:2).

Economy:-can be defined as the structure of economic life of a country, area or system.

CHAPTER TWO

LITERATURE REVIEW

2.1 INTRODUCTION

Reforms are predicted upon the need for re-orientation and re-positioning of an existing status quo in order to attain an effective and efficient state. There could be fundamental bottle neck that might inhibit the functioning of the institution for growth and the achievement of core objectives in the drive towards enhancing and sustaining economic and social imperatives of human endeavors carried out through either government institution or private enterprise. Hence, reforms become inevitable in the light of global dynamic exigency and emerging landscape.

Consequently, the banking sector as an important sector in the financial landscape needs to be reformed in order to enhance its competitiveness and capacity to play a fundamental role in economic development and in financial investment.

Bank consolidation was seen as one of the ways to reform the banking sector. Bank consolidation is said to be the process of increasing the sizes of bank that could cause potential increase in bank returns through revenue and cost efficiency gains.

According to Sloam and Arlond (1970),”Consolidation is a fuse of the assets and liabilities in whole or in parts of two or more business establishments and the coming together of firms. It can also mean large sizes, large shareholder base and large number of depositors.

According to Adamu (2005), bank and cooperate consolidation could be achieved by way of merges / acquisition and re-capitalization. Many literatures indicated that bank consolidation can deepen the financial sector and reposition it for growth to become integrated into the global financial architecture; and involve a banking sector that is consulting with regional integration requirements and international best practice.

2.2 CONCEPT OF BANK CONSOLIDATION

Bank consolidation is viewed as the reduction in the numbers of banks and other deposit taking institutions with a simultaneous increase in the size and concentration of the consolidation entities. It is most motivated by technology innovation, deregulation of financing services, enhancing intermediation and increase emphasis on shareholders value, privatization and international competition (Berger et al, 1991; De Nicole et al…2003; IMT-:2001)

The process of consolidation has been argued to enhance bank efficiency through cost reduction revenue in the long run. It also reduces industry’s risk by elimination of weak banks and acquiring of the smaller ones by the bigger and stronger bankers as well as creates opportunities for greater diversification and financial intermediation.

The pattern of banking system consolidation could be viewed in two different perspectives namely: market driven and government led consolidation. The market driven consolidation which is more pronounced in the developed countries sees consolidation as a way of broadening competitiveness with added corporate advantage in the global context and eliminating excess capacity more efficiently than bankruptcy or other means of exit.

On the other hand, government-led consolidation stems from the need to resolve problems of financial distress in order to avoid systematic crisis as well as to restrict inefficient banks (Ajayi, 2005:2). One of the general effects of consolidation of banks is to reduce the number of banks, especially weak ones and moving the industry forward for sectorial and national development.

2.3 EVOLUTION OF BANKING IN NIGERIA

The banking operation began in Nigeria in 1892 under the control of the expatriates and by 1945, some Nigerians and Africans had established their own banks. The first era of consolidation ever recorded in the Nigeria banking industry was between 1959 and 1969. This was occasioned by bank failures during 1953-1959; this was due to liquidity of banks. Banks then do not have enough liquid assets to meet customers’ demands. There was no well-organized financial system with enough financial instruments to invest in. Hence, banks merely invested in real assets which could not be easily realized to cash without loss of value in times of need. This prompted the federal government then backed by the World Bank’s report to institute Loynes commission on September 1958. The outcome was the promulgation of the ordinance of 1958, which established the Central bank of Nigeria (CBN). The year 1959 was remarkable in the Nigeria banking history not only because of the establishment of Central Bank of Nigeria (CBN) but that the Treasury bill ordinance was enacted which led to the issuance of our first Treasury bill in April 1960.

The period (1959-1969) marked the establishment of formal money, capital market and portfolio management in Nigeria. In addition, the company acts of 1968 were established. This period could be said to be the genesis of serious banking in Nigeria. With CBN in operation, the minimum paid-up capital was set at four hundred thousand naira (N400, 000) (USD $480,000) in 1958. By Januel 2001, banking sector was fully de-regulated with the adoption of universal banking system in Nigeria which merged merchant bank operation to commercial banks system preparatory towards consolidation programme in 2004.

In the 90’s, proliferation of banks which also resulted in the failure of many of them led to another re-capitalization exercise that saw bank’s capital being increased to five hundred million (N500,000,000)(USD $5.88million) and subsequently two billion(N2,000,000,000)(USD $0.01billion) on 4th July 2004 with the institution of a 13 point reform agenda aimed at addressing the fragile nature of the banking system, stop the boom and burst cycle that characterized the sector and evolve a banking system that not only could serve the Nigeria economy, but also the regional economy. The agenda by the monetary authorities is also an agenda to consolidate the Nigeria banks and make them capable of playing in International financial system. However, there appears to be deliverance between the state of the banking industry in Nigeria vis-à-vis the vision of the government and regulatory authorities for the industry.

This, in the main, was the reason for the policy of mandatory consolidation which was not open to dialogue and its components also seemed cast in concrete.

In terms of number of banks and minimum paid-up capital between 1952 and 1978, the banking sector recorded forty-five (45) banks with varying minimum paid-up capital for merchant and commercial banks. The number of banks increased to fifty-four (54) between 1979 and 1987. The number of banks rose to one hundred and twelve (112) between 1988 and 1996 with substantial varying increase in the minimum capital. The number of banks dropped to one hundred and ten (110) with another increase in minimum paid-up capital and finally dropped to twenty-five (25) in 2006 with a big increase in minimum paid-up capital from N2 billion (USD $0.0166 billion) in January 2004 to N25 billion (USD $0.2 billion) in July 2004 (see Table I).

Table I

Minimum Capital Requirement and Number of Banks in Nigeria between 1952 and 2006

Year Minimum Capital Req. Minimum Cap. in US $ Cum.No of Banks 1952 –78 £200,000 – foreign 235295

£25,000 – Nigerian 29412

£400,000 – foreign 470588 45

£25,000 – Nigerian 29412

N1,500,000 – foreign 1764706

N 600,000 – Nigerian 705885

1979 - 87 N1,500.000 – foreign 1,500,000

N600,000 – Nigerian 600,000 54

N2,000,000 – Merchant 2,000,000

1988 -Feb N5million- Comm. Bank 250,000 66

N3million-Merchant bank 150,000

1988 - Oct N10million- Comm. bank 500,000

N6million-Merchant bank 300,000 66


1989 - 90 N20million- Comm. bank 235,294

N12million-Merchant bank 141176 107

1991 – 96 N50million- Comm. bank 586,235

N40million-Merchant bank 470588 112

1996-2002 N500million-Merchant bank 5.88million 110

2003 – 2004 N2billion- Universal banking 0.0166billion 89

2004 – July N25billion-Universalbanking 0.2billion 25

0.2 billion

£ - British Pound Sterling; $ - US Dollar rate at period increase; N – Nigeria Currency

Source: Central Bank of Nigeria – various financial publications (1970 – 2006) and financial market.

Prior to the major policy shift by the Central Bank of Nigeria (CBN), Nigeria banking experienced a steady increase in the number of distress deposit-money banks i.e. those referred by the CBN as marginal or unsound. This created the fear that Nigeria banking could be heading towards systematic distress, hence, the need for a reform which resulted to consolidation.

Comments 177 comments

fundguru profile image

fundguru 5 years ago from Germany

Great Hub, but I would like to suggest that put the lists of banks into a table. When you write a report you can add a capsule for that.


Arinze Hope profile image

Arinze Hope 5 years ago from Enugu-Nigeria Author

Thanks,I actually did but after loading and publishing,I discovered that the table is out.I appreciate your comment


Nwamina Olusegun Emmanuel 5 years ago

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Arinze Hope profile image

Arinze Hope 5 years ago from Enugu-Nigeria Author

thanks to you all for appreciating this work,you are a source of encouragement to me


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impact of fiscal on the real sector of the Nigerian industrial economy from1980-2005, A case study of industrial sector

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McRealone 5 years ago

i love the article, keep it up.


Arinze Hope 5 years ago

@McRealone thanks for the complement,It's a big encouragement to me


Arinze Hope profile image

Arinze Hope 5 years ago from Enugu-Nigeria Author

@Toregun Joel Call my mobile/email me lets talk about it.my mobile +2348065436790


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Arinze Hope profile image

Arinze Hope 5 years ago from Enugu-Nigeria Author

@Charles My mobile number is always open +2348065436791. u can call this


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Nwani chioma 5 years ago


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ade 5 years ago

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anonymous 5 years ago


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anonymous 5 years ago


anonymous 5 years ago


ALIYU AMINAT 5 years ago

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ALIYU AMINAT 5 years ago

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anonymous 5 years ago


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EBERE CHINWE G 5 years ago

This is a very lovely and wonderful research work indeede. But no references


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Emmykaykay 5 years ago

Arinze,well done.pls the article is of soludo's reform what about sanusi's new reform?


olateju musbaudeen 5 years ago

pls kindly send chapter 3,4 and questionaire to my facebook inbox adress thank.


themithope4u@yahoo.com 5 years ago

pls do you have the banks' capital adequacy ratio figures for 2005-2009 accounting periods, all the banks. thanks i will appreciate it grately


ademuyiwa olusegun samson 5 years ago

thanks so much for your research but i will be very grateful if you can send the remaining chapter to me through my email address on thunderous4real4ever2004@yahoo.co.uk.

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Please help me send chapter four of this research work to my number 07064203827


4 years ago

where is your references?


adebukola 4 years ago

i blvd dat u av really done a great job here and i know dat almighty God wil always guiding u 2tru 2 b able 2 do more dan dis.im a final year student of fed.poly ede,osun state.i wil be grateful if u can help me in d RESEARCH METHODOLOGY,DATA ANALYSIS,CHAPT 3 TO 5 AND UR REFERENCE 2 MY EMAIL BOX,hardebukorlar@yahoo.com.07032258394.may God b with u


Otiocha Amara 4 years ago

I appricate your work Sir, you did unexpected work,I pray that will continue to strengthing in all your work. I plead you sir, if you can help me with Banks and their capital Base from 2006-2011. Am a Final year student of UNN. Pls send it through my Emil, Otiwhite9200@yahoo.com. THANKS and God Bless.


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nice work,pls can u send the remaining chapters to esquare_daniel@yahoo.com

will rily love it tnks


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this is my e-mail ( abnalegacy@yahoo.com).

pls i need the significant of the impact of improper recording in the banking sector of nigeria economy, pls can i get it now


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thanks.


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hope to hear from you soon


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nice work sir. Plz chapter 3-5 will be a great help to me. Tanks. Vinciminaj@yahoo.com


kumije jobson 4 years ago

please send me the role of merchant bank in the nigeria economy


John atie 4 years ago

i really appreciate ur work sir u did so well


John atie 4 years ago

i really appreciate ur work sir, u did so well


ohuegbe chikere 4 years ago

job well don i appriate ur work keep it up sir, from imo state polytechnic


Aina Michael 4 years ago

this is fantastic and excellent, i would like to work with u on research to become co-author and publisher. thanks man 08038416392.


dan mati musa 4 years ago

Pls I need the remaining chapter


Ahmed Onyinoyi 4 years ago

Ur work is extremely gud nd fantabulousg,pls can u help me with the chapters not include now pls...


Ahmed Onyinoyi 4 years ago

Ur work is fantabulous nd great,pls can u post or send me the chapters not included,pls...My email is ahmedmuniratoyiza@yahoo.com


Raji Opeyemi 4 years ago

Pl's i need your help for my project sir. I was unable to get materials on it. The topic is 'Assessment of Recent Development in Banking Business in Nigeria.' dis is my no 08063181694


Adetunji Olabode 4 years ago

D wisdom of God wil neva run dry in ur life in jesus name.pls sir,i wil lik u 2 send d remaining chapters as dis wil serve as a guide 2 my project.to my email:bhoderian@yahoo.com thanks and God bless u


Adetunji olabode 4 years ago

D wisdom of God wil neva run dry in ur life in jesus name 4 a job wel done.pls sir i wil lik u 2 send d remaining chapters as dis wil serve as a guide in my project to my email:bhoderian@yahoo.com thanks.


Israel Efegor 4 years ago

You have done a great work that is marvelous, i think i need all charpters from the abstract and including references. This is my email israel4succes@yahoo.com pls help me.

Best regard


Onwumah Cynthia 4 years ago

I neva knew we still have intelligent Geniuses like you...Ur work so 1daful,brillantly computed,nd i must confess u've helpd me a gr8 deal in my own project..10ks a heap..kudus 2 U!


Ajibola 4 years ago

Great job man pls do u hv anytin on dis topic THE ROLE OF CAPITAL MARKET IN ECONOMIC GROWTH OF NIGERIA.pls if u hv,sir inbox me at phemmietoby@ymail.com cos i nid it 4 my project..frm fed poly ilaro.


Henry Onos 4 years ago

I so much appreciate ur work done sir. May God bless u'. Sir, can i have the recommendation,conclusion & the references of this ur work?pls, send them to my email:. Rahzel_2011@yahoo.com.it is my seminar topic. Thank u


AINA OLADELE EMMANUEL 4 years ago

I am also a research analyst. This is a good job. Its quite impressive. Please, send the complete project to me on delemania05@yahoo.com. THANKS


Lizzy abba 4 years ago

This research work is perfect i luv it can i make use of it 4 my project? If yes pls tell me the condition involve tanks in anticipaz.


Anyanwu okey 4 years ago

Arinze, i'm thrilled by ur masterpiece. The word excellent is even an understatement. Am equally a research fellow,having written several thesis for first and second degrees .I hold an Msc. Maybe we can collaborate. U can reach me on 08035920927,08053131642,anyanwuokey@yahoo.co.uk. Keep up d good work.Thanks


olatunji segun 4 years ago

you have done a good job.pls.kindly send chapter 3 to 5. To my email:olatunjisegun68@yahoo.com


Abdul olayinka tasued 4 years ago

You are indeed a worthwhile resources this publication help me in updating my project thanks its a job well done


doublejoy 4 years ago

Excellent job! Let me know how you end it pls. You can send to mydoublejoy@yahoo.com


shem 4 years ago

gud job but is the case study


Udyetuk 4 years ago

Gosh! Am short of words to dscribe hw wndaful n helpful ds book is to me. Pls can u send the last chapters,3-5,to ma email udyetuk_didi@yahoo.com. Thanks so much. This is great.


Pada Zadunya 4 years ago

Good work. May I have the remaining materials send to my email box?

padazadunya@yahoo.com

I will appreciate your kind effort.


shem 4 years ago

i will need u to send it to me its urgent shem4luv2020@yahoo.com


Adinde ujunwa 4 years ago

You realy did a good work here, and I need to make use of it for my project. Pls kinldy send the whole chapters to my mail: Nuelau@ovi.com


Adinde ujunwa 4 years ago

You realy did a good work here, and I need to make use of it for my project. Pls kinldy send the whole chapters to my mail: Nuelau@ovi.com


Ekwu chuks k. 4 years ago

U did a every nice job, thanks for ur research but from what i saw on net, ur work stops at chapter 2 ie review of related literature. The chapter 3 ie methodology, chapter 4 data presentation and analysis, the statistical tool used to text your hypothesis and your chapter 5 conclusion are missing. Ones more weldone for nice work done. My contact no 08037775539 or emil ekwueku4real@yahoo,com


Tolulope Ogunmade 4 years ago

Nice work....keep it up. I need the chapter 3-5 for my project......pls can you kindly send the chapters to me via Tolulopeogunmade@rocketmail.com.......may almighty God bless you as you do so


Kingsley Akpan 4 years ago

Mr. Arinze Hope truly speaking the work is well arrange,well package, and well presented. Thumb up to you bro. I give my salute because the work is such that, will spur our fellow Nigerian youth to do something similar of this nature. I'll appreciate if you will be able to send me the remaining chapters of the work(i.e., chapter 3,4,5) to my mail box: kings_akpan01@yahoo.com. I want to use it as a reference for my project work.

Keep the good work bro.


Abdourahman 4 years ago

i really like you project sir, am working on one right now i went really you help and ideas to work it out this is my email (rahubah17@yahoo.com)your help will be highly solicited


Bode adetunji 4 years ago

Pls hw did u source for d data


Abdulrazak 4 years ago

To be candid, i dnt even were 2 start grading the whole Project, bcux u really done a great job. 100% 4 d work done bt pls if u can kindly send d whole Project 2 my Email i wil b grateful...Abdulrazak2099@yahoo.com or any means of contacting u pls...


Onugha chioma 4 years ago

I really appreciate ur work


Emmanuel Atser 4 years ago

Sir, I heartily appreciate this and I beg u in the name of any God u worship to kindly send thro my Email. my email is: emmyatser2008@yahoo.com


Yakubu Abdullahi Badamasi from nsuk(08033075251) 4 years ago

JOB WELDON! ACTUALLY I DON‘T KNOW HOW TO AKNOWLED AND APPRECIATE YOUR EFFORT TOWARDS THE PRODUCTION OF THIS RESEARCH WORK BECOUSE IT CAN NEVER BE MEASURE OR QUANTIFY AND I DO HOPE YOU WILL CONTINUE IN THIS SPIRIT.BUT PLEASE DON‘T SEND THIS RESEARCH WORK TO ANY BODY LED EVERY BODY MAKE HIS OWN PLEASE.


Bada Oluwabukonla 4 years ago

Infact dis is awesome, u av really done a great job. I was looking 4 mergers and acquisition of banks in nigeria: implication on economy, when i find ur topic can u pls send 3 4 & 5 2 me or find materials 4 me on my topic. My no is 07051039309.


Nwakanma favour 4 years ago

Sir i realy apreciate ur effort but actually dis is not my project topic. Mine is The improvement of customer services in Nigerian banking (case study of Diamond bank plc). Plz sir i will be grateful if u can help me wit material on dis topic. My mobile no: 07068903293. Thanks.


eluyode segun 4 years ago

I loves chapter two so much,pleas can you send it into my email.my email is eluyodesegun@yahoo.com


Abraham Frank Elijah 4 years ago

Wat a great job! Keep it up coz sky is even ur starting point. Tanx a lot. I dnt knw if u cud plz send me chapter 3, 4 and 5. God bless u.


Gadi Davou . 4 years ago

Actually it a very good job i realy appreciate ur effort keep it up and pls send me reference.


Momoh Gabriel E. 4 years ago

Wat a great job! Keep it up bcos d sky is ur limit. Pls sir can u help me in dis topic "Financial regulation and central banking in nigeria( a case study of central bank of nigeria) throu my email_ momohgabriel93@yahoo.com. Pls sir


Tubosun Samuel 4 years ago

Pls i am currently writing on relevant topic been a write-up in research study in my school and i am confused as to whether primary or secondary data will be used in the process of data collection. Pls i really need your help in this regard. (samtbanky2006@yahoo.com)


SANNI O PHILOMINA 4 years ago

GOOD JOB KEEP IT UP. U GUYS MADE MY WORK EASY


bukola olajide 4 years ago

pls sir help me send d remine one chap 3,4,5


IYANDA ABIMBOLA 4 years ago

A WELLDONE JOB,GOOD WRITEUP,KEEP IT UP SIR


Muhammad 4 years ago

Good job ple send me the remining one for me.Thank mukhtarm62@yahoo.Com


Oladele Esther 4 years ago

Pls sir. Help me send this topic material on my Email box. Oladeleesther@rocketmail.com. The topic is ratio analysis as an imporantant tool for evaluating bank's performance in Nigeria commercial banks. Thank U sir/ma God bless u. And as U are helping me God will perfect every good things consigning you and your family. Thanks.


Jibola babafemi 4 years ago

This is an excellent work,keep it up. pls i need chapter 3,4 and 5,kindly send them to bobsonbeejay@yahoo.com. many thanks.


Jibola babafemi 4 years ago

This is an excellent work,keep it up. pls i need chapter 3,4 and 5,kindly send them to bobsonbeejay@yahoo.com. many thanks.


Enene wills 4 years ago

U'v done a great work, pls keep it up. Shws dat u r vry intelligent. May God replanish ur strght. Also thks 4 publishing it has realy be of help


Omole temitope 4 years ago

More grace to you for job wel don,am workin on a related topic also.God bless


Fatima mohammed 4 years ago

Sir pls i need material on this topic mergers and acquisition in corporate reco prganisation


ADEBOWALE EMMANUEL 4 years ago

I really appreciate your effort for putting all these together, may God continue to increase you in Jesus Name . Pls I need more topics . Thanks


Christopher ekwana 4 years ago

Gud day sir.sir i appreciate ur wrk sir pspls can u forward me charpter 3 4 and 5ptanks dis is my nmber 08133380743 or margaretekwana@yahoo.com bt my phone nmber will b more easier sir tnks alot and may d good lord bless u


Christopher ekwana 4 years ago

Gud day sir.sir i appreciate ur wrk sir pspls can u forward me charpter 3 4 and 5ptanks dis is my nmber 08133380743 or margaretekwana@yahoo.com bt my phone nmber will b more easier sir tnks a lot and may d good lord bless u


Chi okafor 4 years ago

I really appreciate your work sir, i will luv it more if u send me the remaining copy of it, because we are writing exactly the same project. Thanks e-mail is maurreenmiles@yahoo.com


kambili iwobi 4 years ago

sir please can i get the remaining chapters to complete my project.kambili@live.co.uk dats my email address.thanks


oladunmoye 4 years ago

Good job brother. I am also working on a related project. can you send chapter 3 ( research methodology) and chapter 4 to my mail please. sanjoakeem2006@yahoo.com. I will be grateful if my request is granted thanks


MRS MARIAM SULE ABDULLAHI 4 years ago

I really appreciate u work sir. Please can u send me the remaining chapters to complete my work on dis email address marian_kpeku@yahoo.com.

Please i await ur urgent response.

Thanks


george 4 years ago

Plz I need chapter 3,4 and 5 of this project kindly send it to my mail please email-choppachizzle@yahoo.com


Chioma Offor 4 years ago

i just gone through ur work anf found it very interesting. Pls can u kindly fw the remaing chapters to my mail box chioma.ikenna-okeke@entbank.com


harriet 4 years ago

well-done u ve really done a great job here.


anthony 4 years ago

Well done u have touch my mind and is just exactly what i needed. Pls can u kindly send the remaining chapters to my mail box. i will kindly appreciate. anthonyagba@rocketmail.com


LIZZY 4 years ago

0


adekoye .a. albert 4 years ago

Nice one,kindly send the effect of bank consolidation on Nigeria economy to my mail box abayomi.adekoye@fidelitybankplc.com

Awaiting to hear from you sir.


omojire 4 years ago

i will be very grateful if the chapter 3,4 and 5 of this research work can be mail to me,my email address is (fakwalex@yahoo.com).i need it urgently is exactly the topics that i was given to conduct a research work on.thanks and God bless


CYNTHIA 4 years ago

weldone sir, ma pls help me send chapters 3,4,5 to my mail box godstimecynthia@yahoo.com


Niranjan SK 4 years ago

Great article.. Can you please mail me the rest of the chapters too (niranjan.sk@gmail.com)


SEUN 3 years ago

PLS HELP ME SEND THE CHAPTER THREE AND FOUR TOM DIS E MIAL..gaffybobo@yahoo.com


Arinze Hope profile image

Arinze Hope 3 years ago from Enugu-Nigeria Author

call me...08065436791,let's talk before sending


GAGA DERICKSON 3 years ago

PLEASE I WOULD LOVE TO GET THE REMAINING CHAPTERS,GOD BLESS.


emmanuel 3 years ago

ok, need more chapers


daisy 3 years ago

this is great piece of work Arinze .this is Daisy From Kenya East Africa


laustyday 3 years ago

When i utilized to receive on top of life but lately We have built up a resistance.


josie lauren 3 years ago

your doing a great work more grace to your ebow. Please send chapter 3,4 and 5 to me through jossy60@yahoo.com. Thanks


MIEBAKA IBIBIA 3 years ago

PLEASE EMAIL ME ON, miebakaibibia2@yahoo.com


omobola28 3 years ago

pls...i would like to have full details of this particular topic for my sister project.....send mail to alajobaba@gmail.com


MATTHEW NICHOLAS 3 years ago

pls...i would like to have full details of this particular topic

this is my e-mail - slimnick@ymail.com


dankarag9 3 years ago

Providing Loans and Advice for Business Franchise lending, Factoring, start up financing, small business loans


olatoyosi 2 years ago

Hello sir, i rily love d project work and i wld be so hapi if u cld send dis to my box.olaaduratoyosi94@yahoo.com


Ajoke 2 years ago

Sir, U've really done a great job, pls can u send the complete search to ma mail . ajosky2luv@gmail.com.


IWATT E 2 years ago

NICE RESEARCH CAN I AV 3 4 5


joseph 2 years ago

this is indeed a great work by you. please send the complete work to my email mollysokky@yahoo.com. i am currently on the research topic . the effect of recapitalization on the growth of the nigerian economy.


KOLLAPURI 2 years ago

I LIKE RESEARCH WORK

I WANT TO READ YOUR THESIS

PLEASE SEND ME A COPY OF THE THESIS TO MY EMAIL ID

kollapuriragul@gmail.com


Gift Onyinye 2 years ago

my dear hope,u re really doing a great job especially to every financial student but pls do u have any knowlegde about Reanson N Effects of Proliferation of Banks in Nigeria?


goodness enwerem 2 years ago

nice one pls can u send the full packeg to me my god bless u my email enweremebere@yahoo.com GOD bless u big time


saidu isah kwala 2 years ago

Date gud research topic, intresting


ABUBAKAR YAHAYA 2 years ago

Sir,Your work is indeed quit recommendable and i wish to urge u to keep up the good work. Please sir i am a student of Ahmadu Bello University zaria, i truly have an intrest in having this topic mail to me to enable me finish a reserch work am doing relating the topic you have written. pls Email me at abubakar.yahaya43@gmail.com


Yusuf Sunday Shut 2 years ago

Hello, this is a good research work, am a Researcher/motivational speaker too may you please sent a copy to my e-mail?. shutyusufsunday@yahoo.com Thanks.


godswill 2 years ago

plzzz i need chapter it complete up to chapter three


Udoh Ndubuisi 21 months ago

A nice job here. Wish I got this when I'm writing my project and seminars. More greese to your elbow. Don't relent in your efforts to add more to this so as to increase your chances to excel. Thank you for a job well done.


SHARK 20 months ago

Thumbs up to you great man. may i humbly request for the whole of this project? thanks.

here is my mail: msbljkayode2010@yahoo.com


hally 18 months ago

pls how can I get charpter 1-5


hally 18 months ago

My own topic is Impact of consolidation on the performance of Nigerian Banks. Pls are dey the same? I need your reply pls.


ANUOLUWAPO 16 months ago

Job well done sir/ madam,

please how can I get the full chapters.

thanks for the anticipated response.

my mail... OLUMIDEH@GMAIL.COM


ANUOLUWAPO 16 months ago

Job well done sir/ madam,

please how can I get the full chapters.

thanks for the anticipated response.

my mail... OLUMIDEH@GMAIL.COM


suliat 14 months ago

So lovely...sir,can I get d chapter 3-5 of this topic"the impact of CBN in Nigerian economic development"though dey are d same BT I really need your help because the deadline of our project in ma school is on 21st of did month.....tnx,will b appreciable sir.my number is 08033496229

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    Comments 106 comments

    adediran omowunmi 5 years ago

    This is good work. Pls dear, how can i get the remaining chapter bcos i need them 4 my project. pls.


    Arinze Hope profile image

    Arinze Hope 5 years ago from Enugu-Nigeria Author

    @Toregun Joel Call my mobile/email lets talk about it.my mobile no. +2348065436790


    ozimah I Famous 5 years ago

    please i need your chapter 3,4,and 5 as soon as possible how do I get it?


    oluwasola toyin  5 years ago

    pls sir, i need ur help in searching this topic for me .impact of public relations in marketing of financial services .a case study of spring banks plc.pls send to my mail: solat4good2007@yahoo.com thanks and God bless u.


    Ogochukwu Diyoke 5 years ago

    Hello Arinze,

    This is quite enlightening. it gave me so much insight into the issue of banking consolidation, which is a project i am currently working on. Great work u have. Weldone!!!


    al mahmud 5 years ago

    wow,what a great reasearch. am so intreasting in this reasearch for further reading.can u kindly send d remany into my email. salfmud@yahoo.com. i will b glad if request is granted


    Gabriel sleek 5 years ago

    Goodday bro.....i like dis material, how do i get d rest chapters......i need dem urgently, how do i contact you.....my email add-Gabrichjackpot@yahoo.com.....my phone number is 07036843721


    Ifeanyi 5 years ago

    Gud and great job... Would have loved to have the chapters 3, 4, and 5. How do i get them pls? My mail address is ifesco4real@yahoo.com thanks


    ade 5 years ago

    pls i need a full work on this impact of consolidation on banks performance in nigeria.thanks


    Sisli 5 years ago

    Please i need to meet with you for business. I recide at Abuja and my e-mail is spenelon2002us@yahoo.com or send me ur mobile no in my email and i will call u. in the midst of poor academic quargmire in Nigeria u still did this, i wonder? just lets meet.


    osas 5 years ago

    This is a great work! pls sir, i will love to have the chapter 3,4 & 5. my email is aghasosas@yahoo.com. tx sir


    Oluchi 5 years ago

    Sir,keep it up bt i wish i can write like u bt all the same well done.SIR,pls can u help me wit dis topic:THE IMPACT OF LIQUIDITY ON PROFITABILITY AND CORPORATE GROWTH OF SOME SELECTED COMMERCIAL BANKS IN NIGERIA.Pls sir,contact me wit this mail-Little4reallife@yahoo.com OR +2348069327541.THANKS.


    Ajayi oluwatobi 4 years ago

    Can i get dis topic- impact of information technology & profitability &efficiency of bank in Nigeria. Case study of Skye Bank Plc.


    Daniel omede 4 years ago

    sir, what do i cal u? a 'genius', loaded materials. U've blessd my day. I was on a research on d topic: d concept of public relatn in d banking ind. Dat i com across it. Kip it up. Tnx so moch.


    Samuelovwighotu 4 years ago from Nigeria

    Sir, i am really impressed by your loaded materials which is very helpful for graduating students in the faculty of business studies in Nigeria. Please sir, i will really appreciate it if you can please help me with the updated material of this particular topic, i mean, the remaining chapters of this project researchable topic. Sir, please its an emergency here at school.. here is my email address:samuelovwighotu@yahoo.com, my cell: +2348132854915..... please sir, don't get tired of helping people,its an investment on lives which one day will help you and your generations to come.I am expectant sir. THANK YOU FOR READING THIS! & GOD BLESS YOU SIR.... have a nice day!


    Lovelyn 4 years ago

    Good work, pls sir can i get the rest work down to recommendation and reference, pls its very important to me. My number is 08064641994


    Nathaniel 4 years ago

    Pls it will be my joy if u can send me the rest of this research work chapter 3-5 up to references. Pls i need ur help, Am a final year student of "Waziri Umaru Federal Polytechnic Birnin Kebbi" pls send through this Email nathanieladebisi@yahoo.com or to this number 08055633678 Thanks God will strenght u more in the mighting name of Jesus.


    Wasiu olawale 4 years ago

    Dis is d most compose project i hav ever c in my life great job man and i will loved 2 c d chapter 4 & 5 can u pls send it 2 my yahoo mail, i will apriciate dat if u can do it 4 me and God will continue 2 bless u more nd more nd more thank u. Here is my yahoo mail (waywax94@yahoo.com)


    segun 4 years ago

    whao! wot a nice analysis but i would be very much happier if i could also tap in d remaining parts of ur work i.e chapters 3-5 for academic purpose. my e-mail add is omooye_09@yahoo.com. i wil b very much glad if u can lend ur hand of help. 10ks in anticipation


    ezekiel 4 years ago

    pls i need the significant of the impact of improper recording in the banking sector of nigeria economy, pls can i get it now?


    Abdulhamid bukar 4 years ago

    Hw ar u ne. Ar u mad


    oduniyi opeoluwa 4 years ago

    i love this pls how can i get the full materials pls can u inbox me urgently thks

    pls on oduniyiopeoluwa@yahoo.com


    Odunkola Ajoke 4 years ago

    Bravo! U've really done a great job here. I will be grateful if u cud send the remaining chapters to my email- odunkolaamino@yahoo.com


    Samuel maikomo jatau 4 years ago

    I luv to be an accounter & righ now i'm study accountancy in Nasarawa state polytechnic lafia, Nasarawa state, Nigeria. All my life luv to work in bank. And this is my contact:08033074263 or my email addres: Skillsman92@yahoo.com. Waiting to hear from you sir or ma'am. Thanks a lot. Bye


    Grace ojo 4 years ago

    U are just to much with this handiwork of yours. A hard working person will be great and successful which you av revealed in dis project work, more grease to your power. Pls d remaining chapters, how can I get them? Flash dis nos twice then I will call you. 08035321499


    Salau atinuke rashidat busari 4 years ago

    Oh my God i luv dis work, pls can you send me the remaing ones 4 my project. Pls i need it urgently thank u very much sir. Pls can i have ur number? Mine is 08082089101.


    Nweke maureen onyinye 4 years ago

    That is great ,your woke is wouderful thanks for your job weldone.pls can you send it to my box (maureennweke42@yahoo.com)


    Nkchi 4 years ago

    Waho..... Is perfect pls i need chapter 3,4,5 for my project. Keep it up.


    Arinze ogbonna 4 years ago

    hw can i get dis work


    Tope Akinade 4 years ago

    please i will like to have the chapter 3 of this project. I am working on a similar topic and I am impressed this project content.

    Thank you

    topeakinade@yahoo.com

    08033873288


    Emuelosi Chukwuekwu Hillary 4 years ago

    Waoo this a good work you have wonderfully well plz i need to see the complete project to be updated with the topic thanks a lot


    Adetunji Olabode 4 years ago

    d wisdom of God wil neva run dry in ur life in jesus name(amen).pls sir,i wil lik u 2 send d remianing chapters as dis wil serve as guidelines in my project via email;bhoderian@yahoo.com


    Adetunji Olabode 4 years ago

    d wisdom of God wil neva run dry in ur life in jesus name(amen).pls sir,i wil lik u 2 send d remianing chapters as dis wil serve as guidelines in my project via email;bhoderian@yahoo.com


    Onyemalu Janevine Adaora 4 years ago

    Great work!!!!!!. Am a student of economics in madonna university. Wld luv 2 read more of ur works. Dis is my email add- janevineo@yahoo.com


    Juliet uzoho 4 years ago

    A good research work, well done pls hw did you get the correct data cos am working on such (07033791749)


    mary 4 years ago

    guy na waah uuo, y u put d rest lke recommendation 2 students who r doing same project topic'''anyway gud job


    semilore 4 years ago

    this is a great pls can u help send the full chapter to my email _semilore_@live.com ?


    TOBI 4 years ago

    THIS IS A GREAT JOB CAN U PLS SEND THE FULL CHAPTER TO MY EMAIL. IDOWUTOBI73@YAHOO.COM.


    Lyrina smith 4 years ago

    Wow,what a great work,i love that


    Akunne Geraldine 4 years ago

    U really carried out a wonderful rearch! More grease to ur elbow.pls can u help me with some materials on "Nigerian banking sector reforms from 1999-2010"Pls it's urgent.thanks


    Ekwu chuks k. 4 years ago

    U did a very nice job, thnks for ur research but frm what i saw on net, your work stops at chapter 2 ie review of related literature. Your chapter 3 ie methodology, the statistical tool used to fr analysis, chapter 4 data presentation and analysis and chapter 5 ur conclusion. Ones more thnks for a job weldone. My contact 08037775539 or emil ekwueku4real@yahoo.com


    Lucy Abang Sofia 4 years ago

    Tanx 4 a job well done,please......... bros. Arinze help me with d chapter 3,4 & 5,of this write up to help complete my project,I need it urgently pl-e-a-s-e.I will obey the terms and conditions applied (if any),here is my email:abanglucy99@yahoo.com,and mobile is:07034830646.I will be highly indebted 2 you if my request is been considered.Tanx.


    Okeke chukwuemeka 4 years ago

    Wow job man...m doing a piece on d fuel subsidy...dis encourages me. Pls can i get remaining chapters sent 2 ma box nw..okeke_emeka2000@yahoo.com.tnx bro


    Lucy Abang sofia 4 years ago

    Please.........create a chance out of ur numerous schedules and send me chapter 3,4 nd 5 of dis write up.please,the expiry date 4 the submission of my project is 10th of this month,help me...............


    Chibuzo ify 4 years ago

    Waho i must congratulate u for this wonderful job u done, but i need the full chapter please can u send them to my e-mail rose chibuzo at yaho.come or my no 08169693966


    john yaor 4 years ago

    men, you are a pride not only to your family, Nigeria, Africa, but the whole world. Please keep it up. God bless you.


    sulaimon idowu 4 years ago

    u have done a great work. Pls keep it up. Pls sir i need a research work on assets nd liabilities management of commercial banks. A case study of UBA. pls my email address is Sulaimonidowu@gmail.com


    Kelvin chuks e. 4 years ago

    Sir Arinze, thks 4 d work down and for d tym dedicated to carry out dz research but u still have a lot of work to do. Afta my suggestions u can ask any supervisor dat kns li2 abt seminar research. In d first place. Ur chapter 1, has 3 statement of d problems instead of 1, and even @ 3, ur objective of d study ought not to b 4. Ur research questions suppose to tally wt ur hypotheses but it dd not. 4 instance u stated 10 research questions and 2 hypotheses, it ought not to b like dat, in ur chapter 2 ur empirical study is missing and d concept is mixt up wt d theoretical frame work. Also in stating ur hypotheses considering d topic u are researching on , u don't have to state ur alternate hypotheses rada ur null hypotheses dat wl b tested later in chapter 4. Finally ur citations are wrong xpecially frm s/no 2.4.1 till d end of ur chapter 2. Thks u can ask odas dat have li2 knowledge of seminar research if u doubt me. My contact 08189200052, e mail kelvin4ck@yahoo.com. 1s more thnks for d work done.


    Eugene 4 years ago

    great reseach i love it keep up with the good work


    Ogedengbe Gbenga 4 years ago

    please help me inbox d chapter 4 n 5 to my facebook acct ogedengbegbenga@yahoo.com.I will really appreciate it.


    Ogedengbe Gbenga 4 years ago

    please help me inbox d chapter 4 n 5 to my facebook acct ogedengbegbenga@yahoo.com.I will really appreciate it.


    Abraham Frank Elijah 4 years ago

    Dis is my e-mail simplefrank94@yahoo.com


    dafe ukuwrere 4 years ago

    Gud research work. Please kindly send the complete materials to my email box. dafe74@gmail.com


    JEREMIAH DELIGHT 4 years ago

    The impact of banks consolidation on economy growth in Nigeria(2005-2011)


    JEREMIAH DELIGHT 4 years ago

    Gr8t men,pls help me to downloan or send this gr8t topic to my Emeil(www.delight4people@yahoo.com) That's my project topic. Tanx vry much 4 ur concern.The impact of banks consolidation on economy growth in Nigeria(2005-2011)


    bukola olajide 4 years ago

    bravo u have done a wonderful job.pls sir,send me chap 3,4,recommendation,conclusion n references.send 2 koladeibrahim77@yahoo.com thanks


    Prince 4 years ago

    You really did a commendable work and I think that you should keep it up.Please kindly send the full chapters to my mail it will be a good reference point for my project and other research works. locoipocolo@yahoo.com. Thanks


    ndalijoel@gmail.com 4 years ago

    well done,may u plz research about direct sales and profitability


    Ozavinoyi Aminu 4 years ago

    You 've done a wonderful job! More grease 2 ur elbow.Plz kindly forward the chapters to my mail. ozams2000@yahoo.co.uk. Tanking you for ur kindness& God blessings


    Idowu oladejo taofeek 4 years ago

    Welldone job sir. Sir, i nee chapter 3,4,and 5 for d copletion of my projet.inbox m on dejoidowu@yahoo.com


    JEREMIAH DELIGHT PRINCE 4 years ago

    Sir, i love your work,courage,mentorship etc. You've been a blessing in my Academic. Thank you nd God you nd your work. But sir, pls help me with the chapter 3;4 nd5 @ delight4people@yahoo.com or 07067996599. Tanx 4 your concern


    Oghenemaro israel 4 years ago

    I luv this sir.pls sir,what would it take to forward the remaining chapters? I need it,its wonderful.THANKS! emarowonders@yahoo.com


    Temi Talabi 4 years ago

    Pls send m chapters 3-5. Tks


    Dada ademola oluwaseyi 4 years ago

    I love dis topic becos i hve learn a lot 4rm it.so i will be please if the chapter three will be send to me so dat i can kwn hw the four will go.


    Steven Ege 4 years ago

    I apprecaite ur good work n effort . Please sir, sent me chapter 3 to 5 . Sir, i also need ur help on this topic markeking stratdgy in nigeria banking industy . A case of first bank plc


    Steven Ege 4 years ago

    I apprecaite ur good work n effort . Please sir, sent me chapter 3 to 5 . Sir, i also need ur help on this topic markeking stratdgy in nigeria banking industy . A case of first bank plc


    Steven Ege 4 years ago

    I appreciate ur gudwork n effort. Ps sent me chapter 3 n 5 . Sir, i need ur help on this topic ( the effect marketing strategy in banking industry and the performance, a case of first bank plc).


    Steven Ege 4 years ago

    I appreciate ur gudwork n effort. Ps sent me chapter 3 n 5 . Sir, i need ur help on this topic ( the effect marketing strategy in banking industry and the performance, a case of first bank plc).


    Emmanuel Atser 4 years ago

    I heartily appreciate ur work and I want to let u know that ur work is exactly my project topic. i'll be happy if u send it thro my mail. my mail address is: emmyatser2012@gmail.com. thnks


    OGINNI JOHN 4 years ago

    PLEASE I AM VERY IN NEED OF THIS PROJECT MATERIAL,

    PLEASE, MY E_MAIL Oginnijonlaw1@yahoo.com. i will be very greatful


    lekan4life 4 years ago

    sir i don't known the kind of prayer i will pray for u what i know is that God we continue to empower u he we continue to give u knowledge and understanding.Sir, i will be happy if u can send me the reaming chapter 3 to 5 to this e-mail address sado290@yahoo.com thank u sir


    OLANREWAJU 4 years ago

    IMPACT OF BANK CONSOLIDATION. PLS I NEED THIS TOPIC AND MATERIAL. OLANREWAJUTEMIDAYO@YAHOO.COM IS MY E- MAIL


    judith 3 years ago

    Arinze u did an excellent work i must say.can u pls forward the whole work to my email.ive been given a similar assignment to be submited next week wed.pls ur assistance is urgently needed.my email is callmejudith4real@yahoo.com. THANKS in Anticipation


    anointedharrison@gmail.com 3 years ago

    sir,am a project student researching on impact of bank consolidation in nigeria.sir pls hw can i get d remaining chapter?


    sola4real2010@yahoo.com 3 years ago

    pls i need the remaining chapters.my e-mail sola4real2010@yahoo.com


    sola4real2010@yahoo.com 3 years ago

    pls i need the remaining chapters.my e-mail sola4real2010@yahoo.com


    hassanlanre20 3 years ago

    Good evening Sir, this is a good job. I will like to have the remaining chapters, if you will not mind. My e-mail address is hassanlanre20@yahoo.com.

    God bless


    shogz98 3 years ago

    pls, i am intreseted in your work..can you send it to my mail at shogz98@gmail.com


    entityhimself 3 years ago

    Nice Work here I Love this Research...Please if any of you has the complete work i'll like the person to send it to any of these e-mail addresses entityhimself@ymail.com,entityhimself@gmail.com or junokmez@ovi.com...or please u can flash 08096781192 and i'll call back.Please i need it urgently


    James Sunday 3 years ago

    Good work you got there!


    Reni 3 years ago

    Hi Please can you kindly send me this work. Thanks

    email add: olufunmi_wonder@yahoo.com


    chidi 3 years ago

    Dear Ur work is just fantastic and educative.pls ,am faced with a similar topic:The impact of merger and acquisition on the working capital of banks in Nigeria (a case study of united bank of Africa)


    kehinde odeniran 3 years ago

    pls I need the concluding part of the project,Email me to

    Kennis4show@yahoo.com


    ENY 3 years ago

    HI ARINZE, CAN U PLS FORWARD THE FULL CONCLUDING PART OF THE PROJECT VIA MY EMAIL. mimi_watt@yahoo.com. waiting for response.


    yasir 3 years ago

    plz send cahp 3,4 and 5 to my mail adress its "yasiralvi88@gamil.com " will greatly thankful to you


    CHIKA EJE 3 years ago

    you have done a wonderful work. please would appreciate it more if you send this the full work to my email: chikaeje97@yahoo.com.


    frank okeke 3 years ago

    i need chapter 4 and 5 i recommend your work pls can i get it before tomorrow sir?


    frank okeke 3 years ago

    dis is my E-mail frank2c3@yahoo.com


    Eze Deby 3 years ago

    I love your work because it gave me a better understanding of my own project work. please can you help me with a little write up on this project topic: the use of financial statement analysis as a tool for assessing loan application.this is my e-mail:qchel2behold@yahoo.com. Thank you so much.


    Fish 3 years ago

    pls email it to me : ) 282435539@qq.com


    miebaka Ibibi 3 years ago

    yOUR HANDS ARE IN GOOD PURPOSE, AS WELL AS GIVING OUT FACT IDEALS TO ALL RESERACHERS. PLS I NEED UR HELP ON CHAPTER 3 AND 5. THANKS


    Abubakar Musa 3 years ago

    Thanks a lot, I do apreciate your act of sharing this wonderful idea to all! Please kinkly post me the chapter 3 which should involve the population and sample size of this project research work..........! Pls post it to me through this email Abiousmosty@yahoo.com


    dankarag9 3 years ago

    Providing Loans and Advice for Business Franchise lending, Factoring, start up financing, small business loans


    jerijerk@yahoo.com 2 years ago

    pls i need dis work project especially the chapter five


    Poudel G 2 years ago

    Nice job. I hope you have completed ur job. If it is possible plz mail me at paudel_guru@hotmail.com


    olatoyosi 2 years ago

    Wld can appreciate it sir if u can send 3,4and 5 sir


    owilli patrick komol 2 years ago

    hullo every one


    Mr. Odukpor, Eric 2 years ago

    This is a nice job can i pls get the full research work? this is my e-mail address. ricky2k5gold4chinebs@yahoo.com. Thanks


    ADTREN 2 years ago

    PLS, I NEED YOUR CHAPTER THREE


    uma sabo 2 years ago

    I am Dr Uma Sabo,a traditional spiritual herbal doctor I can fix so many questions or problems that come in your life......For the solution of problems and some problems i help/solve.........l can make your ex-lover wife/husband come back to you..........Business problems......Difficulty in birth.....Marriage problems....Healing all type of sickness......stroke......... Any Type Of Cancer..........Madness.......Witchcraft......Jinns......Financial problems........Traveling issue ......helping of students........giving people magic......eyes problems.........broken bones.......Working on lotto numbers ........infertility........contact me today via email drumasabospelltemple@gmail.com

    and your problems will be solved..


    bailey 2 years ago

    please uma sabo, what are you saying ?? people need something so serious and your busy joking around ? hmmmmmmmmmmmmmmmn, what ever man. it is just university stuff.


    Edison 2 years ago

    the complete project lease


    Adeleye Ademola 2 years ago

    Excellent research bro!pls can you sent the full resarch work to my box,I will like to use it for my Masters project,thanks.

    ade2leye2008@yahoo.com


    Kayode 19 months ago

    Dis is Awesome in short, pls I will need d concluding part of dis research work. My Email is Kemkay86@gmail.com


    okoro rose 16 months ago

    How To Make Money Printing Recharge Cards

    New Secrets OF Making N100,000 Printing GSM Recharge Vouchers Cheaper And Selling Profitably to Over 100 Call Centers In Your Area To Buy From You and Smiling to the Bank!

    Have you ever wanted to go into recharge card business but you are wondering if it will actually be profitable for you. You just don't want to make mistake, you are afraid you don't kn

    ow much about the business.

    You have thought, if only you could know where to buy recharge card cheaper and sell profitably. Or how you can buy in bulk and sell to all the retailers in your area and smile to the bank.

    I have good news for you, all that dream you can make it come true, if you take advantage of the tips I'm offloading to you here. The commonest challenges faced by every entrepreneur, even the successful ones is the fear of the unknown and so you are not alone but don't let it stop you from becoming the next GSM millionaire.

    Have you observed that all the GSM operators have introduced lower recharge card values in N100, N150, N200, N250, N300, N400 and N500. Why do you think they all now have these lower recharge vouchers? Remember, N500 was the lowest value in the market before MTN came out with N400. But now the lowest is N100 and do you believe we could have even N50 value soon.

    One thing can only explain the reason for the lower recharge cards, it sells faster. Operators are experiencing a boom in recharge card consumption since the introduction of lower recharge cards.

    For example, I used to spend N3000 monthly on recharge card on my phone, but now I buy at least one N200 card everyday and that has increased my monthly bill in one phone to N6000 per month.

    Now relate this to selling of these lower recharge cards. The demand for them is he reason they are being sold above the price value. N100 to N400 cards sell for N20 above their values.

    Who do you think takes these values? Who do you think takes these extra profit, the retailers because even though dealers get it at almost 8 percent discount, they sell at N165 for the N200 to retailers and some even sell for the N200, pocketing N160 per voucher.

    The most interesting thing however is that only few people supply these vouchers to retailers. Imagine if it's only one or two people are supplying all the lower recharge cards in your town, how much profit could he be making in one month?

    You may think it's impossible for just one person to be supplying these vouchers when there are many dealers scattered all over the state.

    The printing and distributing of voucher pins are the exclusivity of some few GSM operators' dealers. About 2 per cent of the dealers have this license. Do you now see why only one person could be making all these money in your state?

    Well, I didn't mean to wet your financial appetite and leave you waiting. You too can be among the few people that can print and distribute these fast selling vouchers in your state. And you don't have to become a GSM operators licensed dealer that would be a costly process. You can take advantage of dealers who have the license but don't wish to print themselves.

    With their full support and supply of vouchers pins, you are on your way to making N100,000 or more monthly, printing and selling lower recharge vouchers that are hotcakes all over the country whether it's MTN, Vmobile, Glo, Mtel, you can print them in any quantity you so wish.

    In case you are wondering if it would not cost you millions to start, not at all, with as low as N50,000 you can start printing vouchers. Some people print with computer, special voucher printing software; one can also just walk into a cyber cafe and, browse for 10 minutes, download the pins, and send it to print at the cafe, pay N10 or N20 per A4 page

    you print and walk away to sell your vouchers to your customers

    BELOW IS THE CONTACT DETAILS OF THE DEALER,

    Okoro rose (Dealer)

    E-mail ; s_nd2009@yahoo.com

    Te l : 07066067134

    Thanks,


    nifty camron 15 months ago

    nice work pls na chapter 3 n 4 I need

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