Govermnt Subsidy on Fertilizers in Nigeria

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  • Topic: Bank, Banking, Bank run
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  • Published : July 18, 2011
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TOPIC

A CRITICAL COMPARISON OF THE BANKING SYSTEM IN NIGERIA, GHANA AND SOUTH-AFRICA FOCUSING ON:- * TYPES OF BANKS
* MINIMUM CAPITAL BASE
* SUPERVISORY CAPACITY
* REGULATORY PROFILE
* MANPOWER AVAILABILITY
* RISK PROFILE
* BANKING POPULATION RATIO

TABLE OF CONTENT

INTRODUCTION………………………………………………………………………………………… PART A: THE BANKING SYSTEM IN NIGERIA
1. TYPES OF BANKS
2. MINIMUM CAPITAL- BASE
3. SUPERVISORY CAPACITY
4. REGULATORY PROFILE
5. MANPOWER AVAILABILITY
6. PROFITABILITY
7. RISK PROFILE
8. BANKING RATIO
PART B: THE BANKING SYSTEM IN GHANA
1. TYPES OF BANKS
2. MINIMUM CAPITAL- BASE
3. SUPERVISORY CAPACITY
4. REGULATORY PROFILE
5. MANPOWER AVAILABILITY
6. PROFITABILITY
7. RISK PROFILE
8. BANKING RATIO
PART C: THE BANKING SYSTEM IN SOUTH-AFRICA
1. TYPES OF BANKS
2. MINIMUM CAPITAL- BASE
3. SUPERVISORY CAPACITY
4. REGULATORY PROFILE
5. MANPOWER AVAILABILITY
6. PROFITABILITY
7. RISK PROFILE
8. BANKING RATIO
PART D: CONCLUSION
PART E: REFERENCE

INTRODUCTION
This write up contains a detailed study into the different methods ,finacial institutions are operated in different countries,using Nigeria, Ghana and South-Africa as the case study.Some impotant economic and financial indicators are used to analyse the banking systems operated in these countries with the ultimate aim of comparing the respective uniqueness, flaws and similarities inherent in each method these institutions operate and also, if these factors explain why some financial institutions fare better than others in their respective economies. In financial Economics a financial institution is an institution that provides finance services for its clients or members. Probably the most important finance service provided by financial institutions is acting as financial intermediaries. The indicators are : the type of banks, minimum capital base, supervisory capacity, regulatory profile ,manpower availability, profitability and the risk profiles. These form the building block on which the performance of the financial systems operated in the the countries will be analysed.

EXECUTIVE SUMMARY
Financial institutions play a fundamental role in facilitating the accumulation and allocation of capital by redirecting savings from the private sector and other sectors in the economy, into loans for governments, businesses and individuals. In Ghana, the role of the banking sector in capital concentration and distribution cannot be disputed. Before 1983, the Ghanaian banking system in the country was dominated by state owned banks that had a monopoly in terms of their spread and operations (Hinson and Hammond, 2006). The current banking environment has however changed. Hinson and Hammond (2006; p.45) report that, ‘with the passage of the universal banking law however, all types of banking can be conducted under a single corporate banking entity and this greatly reorganizes the competitive scopes of several banking products in Ghana’. Thus reform and deregulation has brought the banking sector into the competitive arena in terms of customers and products. This means strategic management decisions should take into consideration factors that promote customer satisfaction, customer retention, customer loyalty, increased market share and firm profitability. While, South Africa has established over the past decade a well-developed banking system which compares favourably with those in many developed countries and which sets South Africa apart from many other emerging market countries. At the end of 2004, they found themselves with a more mature banking sector, with a moderate level of private-sector indebtedness and a respectable and first-rate regulatory and legal framework. South African banks are well managed and utilise sophisticated risk-management systems and corporate-governance structures in conducting...
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