TABLE OF CONTENTS
DECLARATION
APPROVAL
ACKNOWLEDGMENTS
LIST OF TABLES
LIST OF FIGURES
LIST OF ABBREVIATIONS
CHAPTER ONE
1.0 INTRODUCTION ........................................................................................................................... 1
1.1 HISTORICAL BACKGROUND ........................................................................................... 1
1.1.1 Centenary Rural Development bank (CERUDEB) .......................................................................... 3
1.1.2 Stanbic bank limited ...................................................................................................................... 3
STATEMENT OF PROBLEM
1.3 SCOPE OF THE STUDY
OBJECTIVES OF THE STUDY
1.5 RESEARCH QUESTIONS
1.6 SCOPE OF THE STUDY
1.6.1 Study scope
1.6.2 Geographical scope
1.6.3 Time scope
1.7 SIGNIFICANCE OF THE STUDY
1.7.1 Management
1. 7 .2 Researcher
I. 7 .3 Future Researchers ......................................................................................................................... 6
1.8 HYPOTHESIS ................................................................................................................................. 6
CHAPTER TWO ........................................................................................................................... 7
LITERATURE REVIEW ............................................................................................................. 7
2.0 INTRODUCTION ................................................................................................................... 7
2.1 The concept of competition ............................................................................................................. 7
2.2 Definition and benefits of banking competition .............................................................................. 8
2.3.1. Structural models ........................................................................................................................... 9
2.3.2 Non-structural models .................................................................................................................. 10 ·
2.4 Theoretical review ......................................................................................................................... 11
2.5 An assessment of the existing empirical research ......................................................................... 12
2.6 Criticisms of competition in banking sector ................................................................................. 13
CHAPTER THREE ..................................................................................................................... 15
METHODOLOGY ....................................................................................................................... 15
3.0 INTRODUCTION ......................................................................................................................... 15
3.1 RESEARCH DESIGN .................................................................................................................... 15
3.1.1 Experimental Design ................................................................................................................... 16
3.2 Area of study .................................................................................................................................. 18
3.3 Study population ..............................................................................................................•............. 18
3.4 Data sources ................................................................................................................................... 18
3.4.1 Primary Sources ......................................................................................................................... 18
3.4.2 Secondary Sources ........................................................................................................................ 18
3.5 Data collection methods and tools ................................................................................................. 19
3.5.1 Interviews .................................................................................................................................... 19
3.6 Data processing, presentation and analysis ................................................................................. .
3. 6.lData Processing and Analysis ..................................................................................................... 19
3.6.2 Data Presentation ....................................................................................................................... 19
3. 7 Limitations of the study ................................................................................................................. 19
CHAPTER FOUR ....................................................................................................................... 20
."RESEARCH FINDINGS AND ANALYSIS ............................................................................................. 20
4.1 INTRODUCTION ......................................................................................................................... 20
4.2 Products .......................................................................................................................................................... 21
4.3 Total deposits for the hvo banks ................................................................................................... 22
4.4 Assets .............................................................................................................................................. 23
4.5 Net loans and Advances ................................................................................................................... 23
4.6: Ratio of loan to deposits ............................................................................................................... 24
4.8 Profits ............................................................................................................................................. 26
4.9 Regression Analysis of Total assets, Loans and Profits ................................................................ 27
The model of profits and loans and advances ..................................................................................... 29
The model of profits and loans and advances ..................................................................................... 30
4.10 Staffs ............................................................................................................................................ 31
4.11 Market share ................. 32
CHAPTER FIVE ...................................................................... 35
SUMMARY, CONCLUSIONS AND RECOMMEND A TIO NS ........................................................ 35
5.0 Introduction ....................................................................... 35
5.1 Summary .................................................................. 35
5.2 Conclusions .................................................................... 35
5 .2.1 Degree of deposits ............................................................................ 36
5.2.2 Wealth in assets ......................................................................... 36
5.2.3 Difference in services offered ........................................................................ 36
5.3 Recommendations ........................................................................... 37
REFERENCES ................................................................... 39
APP ED IXES ................................................... "'······••o••41
I: OF THE S1'UDY .......................................................................... 41
APPENDIX II: FRAME OF THE STUDY ............................................................................. 42
COMMERCIAL BANKS DEPOSITS, LOANS ASSETS ................ 43
APPENDIX IV: COMMERCIAL BANKS MARKET SHARE FOR DEPOSITS, LOANS AND ASSETS ........................................................
