THE EFFECT OF BANKING REGULATION AND RESERVE ON THE PERFORMANCE OF COMMERCIAL BANK(A CASE STUDY OF UNION BANK)

It was in the year 1892 that banking activities first started in Nigeria with the opening of a branch of the African Banking corporation in Lagos. It is in the light of these that this work has attempted to showcases the effects of banking regulations and reserves on the performance of commercial banks. The objective was to access the effects of banking regulation and reserves on the performance of commercial banks in Enugu Urban. Help the aeration of commercial banking that can facilitate, mobilize and channel savings for economic growth. Use the monetary policy to regulate the operation of commercial banking. Control and management of distress and failing banks opinions were sampled through questionnaire, structure interview and primary and secondary data obtained respectively. The data gathered were analyses and hypothesis tested. Findings were made which include that. Regulation and reserves requirements have positive impact on the Nigeria economy. The commercial banks are responding favorably to the banking regulation and reserve. Recommendation were made which include that; it is necessary to secure appropriate treatment of banking regulations reserves to enable it to be publicized and also to collaborate with other regulations of the financial system.