CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
banks are among the most important parts of sourcing money for businesses and are now very active in giving long term loans.). the main functions of banks are to earn money from deposits and loans. commercial banks follow this step strongly. the main function of a commercial bank is to mobilize deposits and to provide loans to people and organizations to finance their consumptions and business activities. (siqqiqi, parveen and hossain, 2013). thus banks encourage the flow of money to productive use and investment which accelerates the flow of economic growth (ashraf ali &howlader, 2005). Nigeria has improved in its economic sectors in recent years. the changes in governments have created lots of problems in the economic growth rate of the country. the problems in the banking sectors have arisen mainly from this problem. the problems in the banking sectors have arisen mainly from this problem. the governmental decisions also have huge impact on the operating banking problems.