THE EFFECT OF CONSOLIDATION ON BANKS' OPERATIONS EFFICIENCY IN NIGERIA ( A CASE STUDY OF FIRST BANK PLC)

TABLE OF CONTENTS
Title page        -           -           -           -           -           -           -           -           -           -           i
Declaration      -           -           -           -           -           -           -           -           -           -           ii
Certification    -           -           -           -           -           -           -           -           -           -           iii
Approval         -           -           -           -           -           -           -           -           -           -           iv
Dedication      -           -           -           -           -           -           -           -           -           -           v
Acknowledgment       -           -           -           -           -           -           -           -           -           vi
Table of Contents       -           -           -           -           -           -           -           -           -           vii
Abstract          -           -           -           -           -           -           -           -           -           -          ix
CHAPTER ONE: INTRODUCTION

    1. Background to the study        -           -           -           -           -           -           -           1
    2. Statement of the problem       -           -           -           -           -           -           -           4
    3. Research questions      -           -           -           -           -           -           -           -           5
    4. Objective of the study            -           -           -           -           -           -           -           -           5
    5. Statement of Hypothesis        -           -           -           -           -           -           -           6
    6. Significance of the study        -           -           -           -           -           -           -           6
    7. Scope of the study-     -           -           -           -           -           -           -           -         7

CHAPTER TWO: LITERATURE REVIEW
2.1       Introduction    -           -           -           -           -           -           -           -           -           8
2.2       A Review of Bank Concentration Theories-  -           -           -           -           -           8
2.3       Empirical Works on Consolidation in Other Countries          -           -           -           15
2.4       Regulatory and Legal Framework of Capital Adequacy        -           -           -           39
2.5       Banks Distressed after the Consolidation Exercise    -           -           -           -           40
2.6       Post-Consolidation Challenges           -           -           -           -           -           -           40
CHAPTER THREE: RESEARCH METHODOLOGY
3.1       Introduction    -           -           -           -           -           -           -           -           -           58
3.2       Resign Design             -           -           -           -           -           -           -           -           58
3.3       Population and Sample Size of the Study      -           -           -           -           -           58
3.4       Source of Data Collection      -           -           -           -           -           -           -           59
3.5       Method of Data Collection     -           -           -           -           -           -           -           59
3.6       Method of Data Presentation and Analysis    -           -           -           -           -           60        

CHAPTER FOUR: DATA PRESENTATION AND ANALYSIS
4.1       Introduction    -           -           -           -           -           -           -           -           -           61
4.2       Respondent Characteristics    -           -           -           -           -           -           -           61
4.3       Data Presentation and Analysis          -           -           -           -           -           -           63
4.4       Test of Hypotheses     -           -           -           -           -           -           -           -           68
4.5       Discussion of Findings           -           -           -           -           -           -           -           71
CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATION
5.1       Summary         -           -           -           -           -           -           -           -           -           73
5.2       Conclusion      -           -           -           -           -           -           -           -           -           73
5.3       Recommendations      -           -           -           -           -           -           -           -           74
Bibliography   -           -           -           -           -           -           -           -           -           76
Appendix I      -           -           -           -           -           -           -           -           -           79
Appendix II    -           -           -           -           -           -           -           -           -           80