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A bridge bank is a temporary bank organized by the regulators (CBN & NDIC) to administer the deposits and liabilities of a failed bank. Under the arrangement, the Nigeria Deposit Insurance Corporation (NDIC) is authorized to operate a failed bank for a period until a buyer can be found for its operations. The Bridge Bank option is a veritable tool of enhancing depositor protection and promoting confidence by ensuring seamless continuity of banking operations. Clearly, when in the opinion of CBN, a NDIC-insured bank is in financial trouble, the CBN and NDIC may establish a bridge bank to; * Assume the deposits of the closed bank; * Assume such other liabilities of the closed bank as the Deposit Insurance Corporation may determine to be appropriate; * Purchase such assets of the closed bank as the Deposit Insurance Corporation may determine to be appropriate; and * Perform any other temporary function which the Deposit Insurance Corporation may prescribe in accordance with this Act. Bridge banks must be chartered as national banks. To the extent possible, bridge banks are required to honor the commitments of the failed bank to its customers, and not to interrupt or terminate adequately secured loans. Bridge banks are authorized to seek to liquidate failed banks, either by finding buyers for the bank as a going concern, or by liquidating its portfolio of assets, within two years, which can be extended by an additional year.Should the bridge bank fail to wind down its operations within the allotted time, the bridge bank must notify the Governor of the CBN of its intent to dissolve the bridge bank. Under this situation, the NDIC is appointed as the receiver of the bridge bank's assets. In the Nigeria case, the Central Bank of Nigeria (CBN) on August 5, 2011, revoked the operating licenses of three banks including; Afribank, Spring Bank, and Bank PHB, which according to it, did not show enough capacity and ability for recapitalization. In their place, the CBN through the NDIC established Bridge Banks and transferred the assets and liabilities of the three affected banks to the Bridge Banks as follows; 1. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Bridge bank (Nigeria)」の詳細全文を読む スポンサード リンク
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