TABLE OF CONTENTS

Title page        -           -           -           -           -           -           -           -           -           -           i

Declaration      -           -           -           -           -           -           -           -           -           -           ii

Certification    -           -           -           -           -           -           -           -           -           -           iii

Dedication      -           -           -           -           -           -           -           -           -           -           iv

Acknowledgements    -           -           -           -           -           -           -           -           -           v

Table of contents        -           -           -           -           -           -           -           -           -           vi

List of Tables  -           -           -           -           -           -           -           -           -           -           ix Abstract      -            -           -           -           -           -           -           -           -           -           x

CHAPTER ONE:     INTRODUCTION

1.1              Background of the Study        -           -           -           -           -           -           -           1

1.2              Statement of the Problem        -           -           -           -           -           -           -           2

1.3       Objectives of the Study          -           -           -           -           -           -           -           4

1.4       Research Questions    -           -           -           -           -           -           -           -           5

1.5       Research Hypotheses  -           -           -           -           -           -           -           -           5

1.6       Significance of the Study       -           -           -           -           -           -           -           5

1.7       Scope and Limitations of the Study   -           -           -           -           -           -           6

1.8       Organization of the Study      -           -           -           -           -           -           -           7

1.9       Definition of Terms as Used in the Study      -           -           -           -           -           7

CHAPTER TWO: LITERATURE REVIEW

2.1       Conceptual Review     -           -           -           -           -           -           -           -           8

2.1.1    History and Evolution of Banking in Nigeria -           -           -           -           -           8

2.1.2    The Role of the Banking Sector in Economic Growth of Nigeria      -           -           10

2.1.3    The Concept of Bank Distress in Nigeria       -           -           -           -           -           13

2.1.4    Definition of Bank Distress    -           -           -           -           -           -           -           14

2.1.5    Features of Bank Distress       -           -           -           -           -           -           -           16

2.1.6    Classes of Bank Distress         -           -           -           -           -           -           -           18

2.1.7    Symptoms of Bank Distress   -           -           -           -           -           -           -           18

2.1.8    Emergence of Distressed Banks in Nigeria    -           -           -           -           -           19

2.1.9    Causes and Consequences of Distress in Banks in Nigerian  -           -           -           20

2.1.10  Implications of Banks Distress on the Nigeria Economy       -           -           -           22

2.1.11  Possible Solutions to Banking Distress in Nigeria     -           -           -           -           23

2.1.12 Concept and Determinants of Economic Growth -           -           -           -           25

2.2       Theoretical Framework           -           -           -           -           -           -           -           28

2.3       Empirical Review       -           -           -           -           -           -           -           -           30

CHAPTER THREE: RESEARCH METHODOLOGY

3.1       Introduction    -           -           -           -           -           -           -           -           -           33

3.2       Research Design         -           -           -           -           -           -           -           -           33

3.3       Study Area      -           -           -           -           -           -           -           -           -           33

3.4       Sources and Types of Data     -           -           -           -           -           -           -           34

3.5       Models Specification  -           -           -           -           -           -           -           -           34

3.6       Operational Definition of Variables               -            -           -           -           -           35

3.7       Data Analysis Techniques       -           -           -           -           -           -           -           35

3.7.1    Decision Rule -           -           -           -           -           -           -           -           -           36

CHAPTER FOUR: DATA PRESENTATION, ANALYSIS AND DISCUSSION OF

FINDINGS

4.1       Introduction    -           -           -           -           -           -           -           -           -           37

4.2       Data Presentation        -           -           -           -           -           -           -           -           37

4.3       Data Analysis  -           -           -           -           -           -           -           -           -           38

4.4       Test of Hypotheses     -           -           -           -           -           -           -           -           40

4.4.1    Hypothesis Number One        -           -           -           -           -           -           -           41

4.4.2    Hypothesis Number Two        -           -           -           -           -           -           -           43

4.4.3    Hypothesis Number Three      -           -           -           -           -           -           -           46

4.5       Discussion of Findings           -           -           -           -           -           -           -           48

CHAPTER FIVE: SUMMARY OF FINDINGS, CONCLUSION AND

RECOMMENDATIONS

5.1       Summary of Findings -           -           -           -           -           -           -           -           52

5.2       Conclusion      -           -           -           -           -           -           -           -           -           53

5.3       Recommendations      -           -           -           -           -           -           -           -           54

5.5       Suggestions for Further Research Work         -           -           -           -           -           55

References    -           -           -           -           -           -           -           -           -           57

Appendices     -           -           -           -           -           -           -           -           -           62

LIST OF TABLES

Table 1:           Bank Distress Indicators and Economic Growth in Nigeria

from 1990 to 2016      -           -           -           -           -           -