The Implementation Of The 2004 Bank Reforms In Nigeria: A Post Facto Analysis

Abstract The praxis of bank reforms by governments of different countries of the world has constituted a common policy benchmark in public financial administration. Adopting a histo-descriptive-method, this paper reflects on the dynamics of the 2004 bank reforms in Nigeria, reviewing in the process, the brief history of the reform, the principles that underscored the reform, its actual implementation and challenges that circumscribed the policy. It explored the initiative during this era in Nigeria from the Nigerian government"s policy of financial sector liberalization and deregulation. The paper argues that though the 2004 bank reform policy had good intentions and achieved minimally its objectives, the entire policy implementation lacked significant implementation outcomes