The study examined effects of manpower planning and development on the performance of guaranty trust bank Owerri Branch. The research work investigate that manpower planning and development is concerned with ensuring that the right person is available for the right job at the right time and the process of intellectual and emotional achievement through providing the means by which people can grow on their jobs. Many organizations are made up of people who are developed to work towards achieving the goals of the organization. Guaranty trust bank plc was chosen as case study where the company was incorporated as a limited liability company and today it is one of the best bank in Nigeria. The problem that the organization has is ineffective manpower planning and development. The objective of this study is to examine the effects of manpower planning and development in the company and to determine the extent to which manpower planning and development increases the company performance. The researcher used primary and secondary sources of data in the study. The data used for analysis was gathered through the use of well structured questionnaires. A total population of 57 was used and a simple size of 50 was drawn from the entire population using Yaro Yamen formulae the data collected was analyzed in table using simple percentage formulae, and also used Chi Square formulae to test the hypothesis. The finding is that adequate manpower planning and development will yield operational result that will bring about meaningful changes in the output of the company. The researcher recommended that as a result of the great effect manpower planning and development has in the company performance, organizations should continue to provide adequate training programs and encourage its staff to fully participate.

CHAPTER ONE

1.0 INTRODUCTION

1.1 BACKGROUND OF THE STUDY

Modern Deposit money banking in Nigeria dates back to the early period they decline in barter system of trade and the rise in financial transaction of the colonial government required an Institution in the form of deposit money bank for safety and transmission of fund, it was the purpose that African banking corporation based in South Afrin and was in 1892 to open a branch office in Lagos but its existence was made precarious by the trade depression which hit Lagos in that year. In the year 1894, its operation was taken over by the bank of British West African absorbed the bank of Nigeria and exercised monopoly over by the Bank of Nigeria. In the year 1925 he Barclays bank started operation hi Nigeria, other colonial banks joined in the later years. The indigenization exercise abolished existence of the expatriate banking in Nigeria.

The act of parliament in 1961 was to allow it to operate in other British colonies in 1917 under the Chairmanship of Lord Beaker Hook. The bank opened new branches in Port-Harcourt, job and Kana bringing the total number of the branches of the bank world over to fifteen. Also within its period (1916) they had grown In assets and liabilities and was competing favorably with BBWA (British Bank of West 4frica) as the capital of both banks stood at $200,000 each while the pay up capital was $600,000 for colonial bank and $560,000 for BBWA respectively. Render a working arrangement between Union bank of England and some International banks who had Interest in the two banks. The colonial bank was observed by Barclays Bank In 1922 they renamed Barclays bank (Dominion colonial and areas) like her predecessor. The BBWA, the Barclay bank (DCO) became Barclays bank with bank of Nigeria Plc.

1.2 STATEMENT OF THE PROBLEM

It has been observed in Nigeria today, the financial environment has became very vibrant as a result of the economic restructuring that has been in progress since 1986 as result of which the banking industry has became increasingly complete and competitive.

Consequently, the fundamental drive of this study is to bring into bare the impact of banking regularly and environment.

Some of the problems in our banking industries are stated as follows:

i. Distress in Nigeria deposit money banks.

ii. The inherent weakness in the design and implementation of the regulatory supervisory measure.

iii. The need for consultations of potential operations in formation process.

1.3 OBJECTIVE OF THE STUDY

The general aim of this work is to determine the impact of the banking regulation and supervision of Nigeria deposit money banks.

The main objectives are:

(1)        To examine thoroughly supervision and regulation impacts on Nigeria banks.

(2)        To determine the relationship between the banking supervision and bank distress as proxied by bad loan portion in the Nigerian banking industry.

(3)        To determine the efficiency and effectiveness of deposit money banks as a mains to boosting depositor”s confidence system.

(4)        To test the effectiveness of regulation on the pricing of banks products and services offered to their customers.

(5)        To determine the relationship between the CAMEL Performance rating of banks and the effect of regulation In the industry.

(6)        To determine the relationship between bank lending to the real (invate) sector and regulation in the industry.

(7)        To understand the efficiency of the consolidation exercise towards effective regulating supervision.

1.4 RESEARCH QUESTION

1)         Is there any relationship between bank supervision, regulation and bank distress?

2)         Does regulatory and supervision of Nigeria Bank adequate?

3)         To what extent does financial literacy exist in Nigeria educational system?

4)         Why is it mandatory for banks to be overall regulated by Central Bank of Nigeria (CBN)?

5)         Have the activities of banking supervision  brought ethical conduct in the deposit money banks?

6)         Have the regulatory authorities helped in controlling the monetary and fiscal inefficiencies of government policies?

7)         Have banks and other financial institutions (BoFIA) brought about high standard of financial practice in Nigeria deposit money banks?

8)         Has the banking industry became safely stable and command the confidence of the general public since the promulgation /implementation of the BoFIA Act?

9)         Is universal banking the key to Nigeria economic development and evolution of sound and healthy financial system?

1.5 RESEARCH HYPOTHESIS

HYPOTHESIS 1

Ho: The supervision and regulation does not relate to distress in the Nigeria deposit money bards.

HI: The supervision and regulation have a relationship with distress in the Nigeria deposit money banks.

HYPOTHESIS 2

Ho: The regulatory and supervisory activities of CBN are not adequate in the banking system.

HI: The regulatory and supervisory activities of CBN are adequate in the banking system

1.6 SIGNIFICANCE OF THE STUDY

Establishment and operating a comprehensive banking regulation and supervision in deposit money hanks reassures confidence in the banking sector in view of current high competitiveness of the deposit money bank multiplicity of branches. The significance of the study lies in banks as a means of maintaining surveillance  on banking moreover, this study will be useful to Central Bank of Nigeria (CBN), authorities, lecturers, corporate organization and the general public at large, it will open new areas for further Research work.

1.7 SCOPE OF THE STUDY

The study assumes that the banking system has remained de regulated during the period covered in our study, as most banks practice universal banking, while the Central Bank of Nigeria (CBN) Acts as the regulatory authorities and supervisor of banks in the banking sector.

In view of the technicalities involved, this study will focus on the regulatory function of the Central Bank of Nigeria on the Deposit money bank towards enhancing stability of the banking sector. It shall empirically investigate the effect of bank regulation and show responses for distress in the Nigeria banking system.

1.8 LIMITATION OF THE STUDY

In carrying out this study, a number of problems were encountered. Among them is the ministering of data obtained from more than one source. The researcher did not find it easy at all to collect data. Another factor which militated against the research work is time. It is extremely difficult so to say to conduct a research in such complex topic within a time limit of three months and as well for the academic exercise. Money is yet another limiting factor to this study. Travelling from one place to another entails cost and data cannot be collected on a visit.

1.9 DEFINITION OF TERMS

This study is meant to serve different classes of people, it is to the believe of the key terms used in this study with this in mind , the following key terms are defined:

BANKING SUPERVISION: This is a matter of judgment and prudential analysis to ensure that individuals bank observe laid down and operate within the prescribed monitory policy objectives.

INVESTMENT: Taking only of share holding from bank of any cooperate entity.

BANKING REGULATION: Banking control especially can be rules adjusted to work correctly, or according to one”s requirement.