The researcher has purely, analyzed the appraisal of debt recovery in Merchant Bank in Onitsha Metropolis. The researcher intends to know whether the debt recovery in Merchant banks over the years had led to distress in banks, and poor management whether debt recovery bard has failed to appoint the committee to look after the distress banks. The researcher does not want to analyze the impact created but wants quantitatively examine of the impact which the procedure has created. This will then enable the researcher to either recommend the recovery system or suggest a more suitable system for the Merchant Bank operations. Apparently in the analysis of data using the percentage, the researcher found out that every technology and regulatory changes no doubt affected  the cost structure of the banks. Also considering the importance of agriculture in our country, Nigeria government  should reduces the interest rates to peasant farmer, agricultural (investor to increase their productivity. Also, considering the importance of agriculture in our country, Nigeria government should reduce the interest rates to peasant farmers, agricultural (investors) to increase their productivity. Lastly, the debt  recovery boards have been expressed on the wisdom of merging some distressed banks in Anambra state. Such opinions suggest that resulting large banks would be more efficient in providing banking services at lower cost to the society while still making profit to their owners.

TABLE OF CONTENT
TITLE PAGE                            II
APPROVAL PAGE                        III
DEDICATION                             IV
ACKNOWLEDGEMENT                    V
ABSTRACT                            VI
TABLE OF CONTENT                        XIII

CHAPTER ONE
1.0    INTRODUCTION                        1
1.1    Statement of problem                4
1.2    Purpose of the study                6
1.3    Significance of the study            7
1.4    Statement of hypothesis            9
1.5    Scope of the study                9
1.6    Limitation of the study                9
1.7    Definition of terms                10

CHAPTER TWO
2.0    Review  of related literature                12

CHAPTER THREE
3.0    Research design and methodology        55
3.1    sources of data                        55
Primary data                        55
Secondary data                        55
3.2    Sample used                        56
3.3    Method of investigation                    57

CHAPTER FOUR
4.0    Data presentation and analysis            59
4.1    Data presentation and analysis        59
4.2    Test of hypothesis                72

CHAPTER FIVE
5.0    Summary of findings, conclusion and recommendation
5.1    Findings                        80
5.2    Conclusion                        82
5.3    Recommendations                 83
Bibliography                            86
Appendix                                89