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December, 2005 (Donwa and Odia, 2010; Donwa and Odia, 2011; and Bebeji, 2013).The crux of the consolidation exercise in the Nigerian banking industry was recapitalization since banks needed adequate capital which according to Babalola (2011) would provide a cushion to withstand abnormal losses not covered by current earnings, such that banks would be able to regain equilibrium thereby re-establishing a normal earnings pattern.
The funny developments in the sector however culminated into series of bank failures, related financial shocks and crises in the banking sector in particular, and the entire economy in general (Gunu, 2009; Gunu and Olabisi, 2011; and Ajede, 2011).
Consolidation increases the size and concentration of entity, and at the same time, it reduces the number of interests in such a company.
Shih (2003) is of the view that bank consolidation reduces the level of insolvency risk since it results to asset diversification.
While embarking on consolidation, the pattern and manner in which it is done matters alot.
This is because, according to Aregbeyen & Olufemi (2011), consolidation can be of two types - market-driven or government induced.
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A general consensus on the definition is that consolidation is a policy strategy designed to enhance commercial banks’ performance through an increase in their capital base either by means of mergers, recapitalization or by means of absorption (Bebeji, 2013; Osuji & Okoli, 2013; and Bebeji, Dogarawa & Sabari, 2014).