Banking and Finance Project Topics

The Impact of Bank Fraud and Distress on Banking Habit in Nigeria (a Case Study of First Bank, Gtb, Uba, Union Bank and Zenith Bank)

The Impact of Bank Fraud and Distress on Banking Habit in Nigeria (a Case Study of Zenith Bank)



Content Structure of The Impact of Bank Fraud and Distress on Banking Habit in Nigeria (a Case Study of First Bank, Gtb, Uba, Union Bank and Zenith Bank)

The abstract contains the research problem, the objectives, methodology, results, and recommendations

  • Chapter one of this thesis or project materials contains the background to the study, the research problem, the research questions, research objectives, research hypotheses, significance of the study, the scope of the study, organization of the study, and the operational definition of terms.
  • Chapter two contains relevant literature on the issue under investigation. The chapter is divided into five parts which are the conceptual review, theoretical review, empirical review, conceptual framework, and gaps in research
  • Chapter three contains the research design, study area, population, sample size and sampling technique, validity, reliability, source of data, operationalization of variable
  • s, research models, and data analysis method
  • Chapter four contains the data analysis and the discussion of the findings
  • Chapter five contains the summary of findings, conclusions, recommendations, contributions to knowledge, and recommendations for further studies.
  • References: The references are in APA
  • Questionnaire. 


Abstract Of The Impact of Bank Fraud and Distress on Banking Habit in Nigeria (a Case Study of First Bank, Gtb, Uba, Union Bank and Zenith Bank)

The problem of automated teller machine (ATM) fraud is global in nature and its consequences on bank patronage should be of concern to the stakeholders in banks. This paper investigates the dimensions of ATM fraud in Nigeria and proffer solutions that will mitigate the ATM fraud in Nigeria banking system. The paper employs both primary and secondary data to investigate the ATM frauds in Nigeria banks. The chi-square statistical technique was used to analyze the data and test the hypothesis raised. The paper concludes that both bank customers and bankers have a strong role to play in stopping the perpetrators of ATM frauds in the banks.


Card jamming, shoulder surfing and stolen ATM cards constitutes 65.2% ATM frauds in Nigeria. This fraud is usually perpetrated by the lower cadre. It involves theft, misappropriation or embezzlement of company’s fund and other assess for their own selfish interest.

Fraud is perhaps the most fatal of all the risk confronting banks. The enormity of bank frauds in Nigeria can be inferred from its value, volume and actual loss. A good numbers of bank frauds never get reported to the appropriate authorities rather they are suppressed because of the personalities involved or because of concern over the negative image effect that the disclosure may cause if information may lose confidence in the banks and this could cause a major setback in the growth of the bank in particular.

Fraud leads to loss of money, which belongs either to the banks or customers. Such losses may be absorbed by the profits for the affected trading and this consequently reduces the amount of profits which would have been available for distribution to shareholders. Losses of fraud which are absorbed to equity capital of the banks impairs that bank financial health and constraints its ability to extend loans and advances for profitable operations. In existence case rampant and large incidents of fraud could lead to a bank failure. Fraud can increase the operating cost of installing the necessary machinery for its prevention, detection, valuable time to safeguarding it assets from fraudulent men distract management. Overall the unproductive diversions of resources always reduce outputs and profits which in turn could retard the growth of the bank.

Read Too:  Problems and Prospects of Lending to Small Scale Agricultural Producers in Nigeria

It automatically leads to loss of confidence in the bank by customers and potential customers of the bank and those seriously discourage banking habits in Nigeria.

There had been several incidents of banks going distressed due to manipulative and fraudulent activities of management and staff of the bank. When this happens innocent depositors lose their hard earned savings coupled with ineffective regulatory policies of the central bank prior to the recapitalization of the Charles Soludo administration .It also lead to a diminishing effect on the asset quality of banks. The problem is more dangerous when compounded by insiders’ loan abuses.

Indeed the first generation banks by NDIC was largely a consequences of fraud perpetrated through insiders loan abuses. If this problem is not adequately handled it could lead to distress and bank failures.

   Table of Contents of The Impact of Bank Fraud and Distress on Banking Habit in Nigeria (a Case Study of First Bank, Gtb, Uba, Union Bank and Zenith Bank)


1.1      Introduction           

1.2      Background to the Study                        

1.3      Statement of the Research Problem   

1.4      Objectives of the Study                           

1.5      Research Questions                      

1.6      Research Hypothesis        

1.7      Research Methodology   

1.8      Significance of Study        

1.9      Scope & Limitation of Study                  

1.10   Definition of Terms           


2.1      Literature Review  

2.2      Introduction           

2.3      Origin of Fraud      

2.4      Causes of Fraud                 

2.5      Solution to the Problem  

2.6      Effects of Fraud on Nigerian Banks

2.7      Trends in Nigerian Banking Sector on Liquidity Regulation

2.8      Empirical Studies               

2.9      Theoretical Background  

2.10   Hypothesis                          

2.11   Model Specification                      

2.12   Econometric Analysis & Results. Estimation Results

2.13   Determinants of Banking Sector

2.14   Impact of Banking Crisis On Banking Sector Liquidity

2.15   Implementation


3.1      Methodology                                 

3.2      Analysis & Discussion                  

3.3      Source of Data       


4.0      Data Presentation, Analysis and Interpretation

4.1      Introduction                       

4.2      Method of Estimation of Analysis

4.3      Presentation and Analysis on Data According To

            Research Hypothesis and Discussion of Findings


5.1      Summary, Conclusion and Recommendation

5.2      Conclusion  

5.3      Recommendation Based On the Conclusion

5.4      Bibliography                       


Download Chapters 1 to 5 PDF     



WeCreativez WhatsApp Support
Welcome! We are online and ready to help you via WhatsApp chat. Let us know if you need our assistance.