Rufus Folorunso Akinyooye - St Clements University

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vii TABLE OF CONTENT CHAPTER I – Introduction 1.1 Statement of the general problem 1.2 Background of the subject matter 1.3 Rational for the study 1.4 Limitations 1.5 Definition of terms 1.6 References CHAPTER II – Literature Review 2.1 Introduction (a) The history of money and banking. (b) The road to the Basel Accords. 2.2 The Basel 1 Accord (a) Provision of the Accord. (b) Compliance in Nigeria 2.3 The Basel 2 Accord (a) Pillar 1 and the challenges posed
(1) Institutional (2) Structural 2.4 (b) Pillar 2 and the challenges posed (1) Institutional (2) Structural 2.5 © Pillar 3 and the challenges posed 2.6 Summary (1) Institutional (2) Structural 2.7 References CHAPTER III – Methodology 3.1 Research approach used and its justification 3.2 Instruments used 3.3 Research population, sampling size and sampling procedure 3.4 Justification for sample selection procedure/sample size and the particular sample. CHAPTER IV – Presentation and analysis of Data CHAPTER V – Discussion of the results viii 6.1 Summary of findings 6.2 Conclusion CHAPTER VI 6.3 RECOMME NDATIONS References
Page 1: THE CHALLENGES OF IMPLEMENTING THE
Page 4 and 5: DEDICATION I dedicate this research
Page 6 and 7: Abstract The Basel 2 Accord is a co
Page 10 and 11: viii
Page 12 and 13: ix Table 4.1.2: Distribution of Res
Page 14 and 15: It should be mentioned that prior t
Page 16 and 17: The NDIC itself was created in 1988
Page 18 and 19: Nigeria as a sovereign has the addi
Page 20 and 21: (6) Crown Merchant Bank Ltd. 1988 1
Page 22 and 23: what makes up the Nigerian banking
Page 24 and 25: maximum losses the bank’s counter
Page 26 and 27: Cribb (1999) also show that in othe
Page 28 and 29: to redeem it from the issuing bank
Page 30 and 31: Honohan (1997) appreciated this kid
Page 32 and 33: An amendment to the Act in 1865 gra
Page 34 and 35: that country would become expensive
Page 36 and 37: - Lebanon 286.8 - Belgium 257.8 - P
Page 38 and 39: The Bretton woods agreement The Sec
Page 40 and 41: and forms of agreements between cre
Page 42 and 43: for losses and of Capital reserves
Page 44 and 45: (d) The Committee promised to close
Page 46 and 47: development banks. They are to attr
Page 48 and 49: 20% (1) Claims on banks in Nigeria/
Page 50 and 51: As mentioned above CBN does not mak
Page 52 and 53: As mentioned above the Group of Ten
Page 54 and 55: Items 41-43 - Are on the amendments
Page 56 and 57: Item 54 directs that at national di
Page 58 and 59:
Sovereign to AA- A - to BBB- to B -
Page 60 and 61:
Item 72 states that lending fully s
Page 62 and 63:
Item 81 states that at national dis
Page 64 and 65:
Item 100 says whether the bank inte
Page 66 and 67:
wider range of credit risk mitigant
Page 68 and 69:
collateral will receive the risk we
Page 70 and 71:
Supervisory haircuts Item 151 conta
Page 72 and 73:
Items 173 to 177 are on the treatme
Page 74 and 75:
- An instrument that embodies an ob
Page 76 and 77:
(1) Composition of minimum requirem
Page 78 and 79:
orrower and facility grades of pool
Page 80 and 81:
Item 425 directs that borrowers and
Page 82 and 83:
of member countries but stress that
Page 84 and 85:
lending standards in use when the d
Page 86 and 87:
(3) statistical default models. Oth
Page 88 and 89:
REQUIREMENTS FOR RECOGNITION OF LEA
Page 90 and 91:
national Supervisors when there is
Page 92 and 93:
Item 550 defines Excess spread as g
Page 94 and 95:
(f) An opinion must be obtained fro
Page 96 and 97:
Item 645 outlines three methods o c
Page 98 and 99:
Footnote to the title The Standardi
Page 100 and 101:
Item 664 is on the Advanced Measure
Page 102 and 103:
Under the IRB approach, a bank esti
Page 104 and 105:
Nigeria responded to this questionn
Page 106 and 107:
of all external financial assets of
Page 108 and 109:
Accord is of sovereigns, banks and
Page 110 and 111:
of this fact is that under the Base
Page 112 and 113:
the same nationality. The rule of t
Page 114 and 115:
sovereign ratings. The eight variab
Page 116 and 117:
investor makes the final decision t
Page 118 and 119:
Brazil (B2/B+/B+) China A2/BBB/A-)
Page 120 and 121:
Latvia (A2/BBB+/BBB+) Lithuania (A3
Page 122 and 123:
Slovakia (A3/BBB/BBB+) Slovenia (As
Page 124 and 125:
Israel (A2/A-/A-) Malaysia (Baa1/A-
Page 126 and 127:
Russia (Baa3/Ba2/NR) Spain Aaa/AA+/
Page 128 and 129:
(B1/BB-/BB-) Source: Global Economi
Page 130 and 131:
UNDER BASEL 1 AAA 0.03 8 1.6 1.13 A
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other on-site expenses, plus a US$1
Page 134 and 135:
39 CHI Channel Islands - - - - 40 C
Page 136 and 137:
108 LSO Lesotho 6 6 6 6 109 LBR Lib
Page 138 and 139:
176 ZAF South Africa 3 3 3 3 177 ES
Page 140 and 141:
ultimately lead to calls for offici
Page 142 and 143:
Nigerian banks, like banks all over
Page 144 and 145:
Totals 100.0 100.0 100.0 100.0 100.
Page 146 and 147:
Prior to the on-going consolidation
Page 148 and 149:
Item 726 to this end states that ba
Page 150 and 151:
Item 743 directs the bank to establ
Page 152 and 153:
Principle 4: Supervisors should see
Page 154 and 155:
(4) Procedures for the efficient re
Page 156 and 157:
number of issues which according to
Page 158 and 159:
(j) Inability to settle guaranteed
Page 160 and 161:
With the above developments one wou
Page 162 and 163:
Item 760 and 761 are on how Supervi
Page 164 and 165:
Structural Challenges - Pillar 3 Pi
Page 166 and 167:
if investors do not know the risk p
Page 168 and 169:
month would be the due principal an
Page 170 and 171:
(1) Disagreement between Board and
Page 172 and 173:
3.Implementation of Basel 2: Practi
Page 174 and 175:
3. Implementation of Basel II in Ni
Page 177 and 178:
CHAPTER THREE RESEARCH METHODOLOGY
Page 179 and 180:
Decision rule For decision rule, wh
Page 181 and 182:
Fig. 2: Response Distribution on ef
Page 183 and 184:
4. Are there internal rating system
Page 185 and 186:
Fig.6 Response on the issue of fore
Page 187 and 188:
Fig.8 Response Distribution on asse
Page 189 and 190:
Fig.10 Response Distribution on the
Page 191 and 192:
Fig.12 Response Distribution on the
Page 193 and 194:
Table 4.2.1: Response Distribution
Page 195 and 196:
3. Should the following be disclose
Page 197 and 198:
In another response it was also dis
Page 199 and 200:
v) Geographical distribution of exp
Page 201 and 202:
4.3 ANALYSIS OF QUESTIONS ON SUPERV
Page 203 and 204:
Table 4.3.4 Response on the issue o
Page 205 and 206:
BCP 24.0 Host Country Supervision
Page 207 and 208:
10. The issue of resurgence of high
Page 209 and 210:
When the respondents were presented
Page 211 and 212:
hypothesis chosen are deemed true b
Page 213 and 214:
improved working environment need n
Page 215 and 216:
H12: Inadequate operational and fin
Page 217 and 218:
Sub-Hypotheses on structural change
Page 219 and 220:
SA 41 71 -30 900 12.67 A 28 71 -43
Page 221 and 222:
Decision From the table 4.5.5 above
Page 223 and 224:
H8: The present management capacity
Page 225 and 226:
H10: The issue of resurgence of hig
Page 227 and 228:
SD 36 71 -35 1225 17.25 TOTAL 284
Page 229 and 230:
Decision The result in table 4.5.14
Page 231 and 232:
CHAPTER V DISCUSSION OF THE RESULTS
Page 233 and 234:
(b) It has an Operational risk mana
Page 235 and 236:
Another significant finding in this
Page 237 and 238:
e implemented. Judging from the cal
Page 239 and 240:
Proof for Null hypothesis Twelve (H
Page 241 and 242:
As shown in this research many inst
Page 243 and 244:
anks need to fully comply with the
Page 245:
profit that could translate into lo
Page 248 and 249:
(b) No (c) (d) I Don’t Know. (e)
Page 250 and 251:
(b) No If yes, what were they? (8)
Page 252 and 253:
(1) As supervisors, would you say c
Page 254 and 255:
(iv) Procedures for efficient resol
Page 256 and 257:
LC (C) MNC “ 1.6 Information shar
Page 258 and 259:
LC (C) MNC “ 11.0 Country Risk (d
Page 260 and 261:
LC (C) MNC “ 22.0 Remedial Measur
Page 262 and 263:
(D) NC = Noncompliant (8) How soon
Page 264 and 265:
(a) Yes (b) No (c) I don’t know.
Page 266 and 267:
(x) Total and Tier 1 capital ratio.
Page 268 and 269:
(a) Yes (b) No © I don’t know. (
Page 270 and 271:
successfully implemented. 2. The hi
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Rufus Folorunso Akinyooye - St Clements University

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