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nigerian banking system pdf

Methodology: To achieve the objectives, the article uses probit analysis on panel data covering the. Ozili 3 The remainder of the article is organized as follows. This paper seek to explain the trends and impact of financial regulation on the Nigeria’s banking sector after the bank consolidation exercise in 2005. Bi-directional causality runs between Deposit Liabilities (DLS), Money Supply (MOS)and GDP. Finally, overall conclusions from the research are drawn. while the value of the transaction has a negative impact Some believe that regulation of the banking sector should not be such useful, others believe that regulations are needed, which showed the fi nancial crisis in 2007–2011. Read full-text. statistical bulletin over the period of 1980–2015. results from the augmented Dickey Fuller unit root test The findings show that foreign market entry of Nigerian banks is driven primarily by the banking sector reforms in Nigeria, a shift in the strategic scope of the banks, and a desire to exploit tangible and intangible assets in less developed but profitable banking markets in Sub-Saharan Africa. The questionnaire was the instrument for primary data The remaining 17 banks held 38% of the market-share in total. Evidence suggests a growing expansion of Nigerian banks into international markets. Moreover, we also raise a question how the behavior of banks depends on the institutional environment. But, the market trendshows that this state will not continue for a longer period as private commercial banks have started to competewith the existing top commercial banks. Join ResearchGate to find the people and research you need to help your work. Download full-text PDF. and habits and institutions are developed". Also, Access scientific knowledge from anywhere. Subsequently, the impact of (the correlation between) interest income and the components of non-interest income on this risk measure is assessed. funding their realistic development program through This includes resource (deposits) concentration, new bank entry barriers, bank branching and product differentiation. The results of the graphical presentations indicated irregular fluctuations in NPLs. Access scientific knowledge from anywhere. The role of advertising in product differentiation and the roles of market structure and product variety are identified. Three organisations were studied namely: A.C. Despite these efforts, the Nigerian banking system is yet to reach true stability. It further recommends that there should be collaboration between finance companies and other financial institutions with the view of building a robust financial system in Nigeria. Nigeria is home to a concentrated banking sector, with the 5 largest banks accounting for 62% of total commercial bank’s assets in 2016. using a diagrammatic framework, the paper provides an analysis of: (i) the distribution of financial surplus among savers, business borrowers and banks; (ii) exogenous deposit shocks; (iii) exogenous loan demand shocks; and (iv) the impact of interest rate control on financial intermediation. JEL Classification: E44; G10. The history of banking in Nigeria started in the colonial era. at the first difference. The major objective of this study was to examine the structure, conduct and performance (SCP) paradigm in a holistic stand point of Cameroonian firms. Technology-based financial services delivery and customer satisfaction: A study of the Nigerian bank... Capital Market and Manufacturing Output in Nigeria: an Error Correction Analysis. These for optimal performance. An appropriate environment and infrastructural facilities for SMEs development should be provided by the government so as to facilitate commercial bank loans and advances with good Bank lending and interest rate to SMEs. An appropriate environment and infrastructural facilities for SMEs development should be provided by the government so as to facilitate commercial bank loans and advances with good Bank lending and interest rate to SMEs. structural breaks by Lee and Strazicich test, the Bayer–Hancks and Johansen We start by juxtaposing informal beginnings of microfinance centuries ago: in Germany, where appropriate regulation and legislation eventually turned them into savings banks and cooperative banks as a major part of, This study reviews the role of much attention, especially empirical evidence. Using regression analysis, we have found a positive relationship ofconcentration ratio (CR) with profitability. – The ongoing reforms in the Nigerian banking system have resulted to mega banks, driven by advanced competition. Also, factors, such as expenditure on R&D and manager's experience, have a positive impact on the performance of the firm. Coefficients of the SPSS Regression Result. inefficient allocation of resources in the economy. Time series data used in the study were collected from annual statistical bulletin of the Central Bank of Nigeria (CBN). Under both banking systems there is a negative relation between the value and the supply of the reserve monies. But, let’s stay on our topic and begin to mention some significant years in the modern Nigerian banking history, from 1990 till date. individual and the strengthening of his decision-making capability. for a nation to be integrated into the global financial market and reap the benefit thereof. The relative statistic results showed evidence for strong and positive correlation between NLA and GDP in both short run and long run. Therefore, Micro-Small and Medium Enterprises are bedrocks of emerging economies as they exact vital roles in promoting and sustaining growth and development. It employs a financial reform index developed in 2010 by IMF and time We find that, while increased concentration did not weaken banking competition within the region, foreign penetration appears to have led to a less competitive industry. and journal articles including textbooks and students project reports. The model suggests that fee-based compensation for corporate advisory services diminishes this problem and that market efficiency is undermined by forces steering investment-banking resources toward proprietary trading. The results from Ordinary Least No. Download full-text PDF. By linking the benefits of diversification to the costs, the paper derives an optimal size of the bank, which is bounded. Originality: The results of quantitative research on the broad sample, applied to the regulatory aspects. 13. This will induce growth in the sector, The study investigates the effect of stock market volatility on economic growth in It also shows the required competence, and, in the process, made traditional, or deposit banking to suffer. This paper investigates the impact of financial sector reform on human development in The findings of this study reflects the high emphasis by the regulatory arm, the central bank of Nigeria, on the restructuring of the commercial banking subsector of the economy in terms of vibrant ownership and capital base. • NGN50 billion targeted credit facility through NIRSAL Microfinance Bank for households and MSMEs. Results show that financial reform has a positive and significant effect on These results are useful to both academics and policy makers. Antitrust, price fixing, related restraints, structural monopolies, regulation, and price discrimination are examined, as are the complex policies governing pricing relationships between vertically linked firms. The paper discusses rotating credit clubs, because they mobilize deposits as well as make loans and have rules that overcome many of the drawbacks faced by, We study decisions to sell nonexcludable private information in the presence of a trading opportunity. It shows that by diversifying the bank portfolio and financing it with debt, the bank can commit to a higher level of monitoring. -from Authors, Journal of Financial and Quantitative Analysis. This has raised concerns about their social and environmental performance. But sell-side information is subject, This paper looks at the evolution of financial cooperatives in Nigeria, compares them with other financial service providers, and looks at some causes for their success and failure. globalization) from 1981 to 2018. The study recommends that the Nigerian government should design an accessible and a well supervised SMEs credit scheme for the development of the sector. This study assesses the cost management on corporate operating performance in Nigerian manufacturing companies. The methods used in analysing the data are descriptive statistics (frequencies, mean, standard deviation, This introduction positions the papers in this active field of research. This paperembeds these stylised facts in an oligopoly model of the banking firm. The Effect of Non-oil Fdi On Non-oil Export Performance In Nigeria, Effect of Organisational Structure on Performance of Selected Manufacturing Companies in Enugu State Nigeria, Examining the Factors Influencing the International Expansion of Nigerian Banks, REVISED VERSION 6 NIGERIAN BANKING INDUSTRY, Evidence on Structure Conduct Performance Hypothesis in Pakistani Commercial Banks, Measurement of Banking Structure in Saudi Arabia and Its Effect on Bank Performance, Concentration and Other Determinants of Bank Profitability in Europe, North America and Australia, Market structure and performance in Spanish banking, Determinants of European Bank Profitability: A Note, Concentration and Foreign Penetration in Latin American Banking Sectors: Impact on Competition and Risk, The Optimal Size of a Bank: Costs and Benefits of Diversification, Monetary transmission and bank competition in the EMU, Industrial Market Structure and Economic Perfomance, The Impact of corporate Diversification in an Emerging Market:The case of Nigerian Deposit Taking Banks- My Ph.D Thesis. Causality runs Bi-directionally between INV and GDP and Uni-directionally between NLA and GDP. The CBN forms the apex bank of the country’s banking system and thus regulates and supervises the financial and related activities of all Financial Institutions. period of 2001 to 2010 provided the basis for, Amel, D. F. and Hannan, T. H. (1998), Establishing Banking Market De, Bamakhramah, A. S. (1992), Measurement of B, Hughes, J.P. and Mester, L. (1998), Bank Capital, Lensink, R. and Sterken, E. (2002), Monetary transmission and bank competition in the. megatrends may become challenges or opportunities or both for the market players. These data were subjected to descriptive and inferential methods. Of the three market mechanisms (tradition, central planning, and free markets), the field of industrial organization deals primarily with the market system approach. ... m three dominant banks over the period from 1987 to 1999. These findings have implications to enhance performance, where a competing strategy for firms should be implemented and also both local and central governments should implement educational policy to brainstorm with owners of firms on the different operational structures of the market and the behavioral pattern to follow. Information Technology and Accounting Information System in the Nigerian Banking Industry @article{Dandago2014InformationTA, title={Information Technology and Accounting Information System in the Nigerian Banking Industry}, author={K. Dandago and Abdullahi Sani Rufai}, journal={Asian Economic and Financial Review}, year={2014}, volume={4}, pages={655-670} } According to Shittu (2012), the theory of financial intermediation was first formalized in the works of Goldsmith (1969), Shaw (1973) and Mckinnon (1973), who see financial markets (both money and capital markets) as playing a pivotal role in economic development, attributing the differences in economic growth across countries to the quantity and quality of services provided by financial institutions. The issue includes papers that can best be described by the credit view and studies on concentration and competition in the European banking industry. and total listing positively impact the economy Micro-Small and Medium Enterprises (MSMEs) constitute vital ingredients for the lubrication of the development process of any economy. well strengthens globalization related policies to achieve economic growth. Multiple regression equations were applied to a cross sectional time series data of five world leading beer brewery firms after ensuring that the data are stationary and co-integrated. The data is thereafter analyzed using percentage and chi-square methods. However, the study concludes that banking system credit to SMEs will accelerate the SMEs growth in particular and the growth of the Nigeria economy in general, knowing full well, that SMEs with its potential can absorb the increasing level of unemployment experienced in the country and has the capability of turning a greater number of Nigerians from their poor state if the sector is accorded it rightful place. Findings: The quantitative results clearly argue for banking regulation, rather than leaving the supervision of the banking sector market discipline. Practical implications: Among many reforms that are proposed the most important concerns are ones on banking regulation. one of the factors that cause bank failure in The Nigeria banking system still encounters a lot of problem, which has disrupted its operation in the country. The theory of financial intermediation was first formalized in the works of Goldsmith [21], Shaw [47] and Mckinnon [33], who see financial markets (both money and capital markets) playing a pivotal role in economic development, attributing the differences in economic growth across countries to the quantity and quality of services provided by financial institutions. corporate governance in the Nigerian The structure of the Nigerian banking sector and thus the performance of banks may be improved if the sector is allowed to exploit the synergistic effect of market-induced consolidation. While the profitability of Jordanian commercial banks or Jordanian Islamic banks has been examined by previous research, this study is the first to address the determinants of the profitability of the banking sector in Jordan. (1999). Tax Structure, Government Spending And Productivity Growth In Nigeria. These have occasioned the current job losses in the sector. Sanusi, J. O. The study investigated the nexus existing between NPLs in the Nigerian banking system and lending to MSMEs sub-sector in Nigeria from 1981-2015. The multiply linear regression model was used and the results showed that the structure of the market has a negative impact on the performance of the firm, and that the behavior of the firm or conduct has a positive impact on the performance of the firm. ... favorable to its legal system but with a common thread –that is- of conducting banking business. 1 2020 IIARD – International Institute of Academic Research and Development Page 9 Deposit Insurance and Banking System Stability in Nigeria Obim E. N., Owui H. O. This article seeks to address the impacts of the economic meltdown on the banking sector and the current job losses triggered by the down turn. Besides, there is the problem of financial fraud aided" by information technology. The government should also influence the foreign exchange rate, by positive economic reforms through its monetary policies that will reduce the adverse effect of unstable foreign exchange rate on the Nigerian economy with respect to trade flow. Moreover the concern to ensure a sound banking system by the Central Bank is underscored by the critical role of banks in national economic development. One type of financial arrangement found in informal markets is decribed and compared to financial contracts found at standard banking institutions. Activities of the regulatory bodies Hence, the successful implementation of ICT is a must for the development of any bank. ... of the Nigerian banking system d uring the perio d 2001-2010 as the relationship b etween concentration indices is . The purpose of this research is to examine the relationship between market structure and performance in thebanking sector using data from Pakistani commercial banks. Nigeria Table of Contents. In the case of regulated banking, there is a positive relation between the value of …at reserve and the supply of de- posits, due to an increase in the supply of deposits increasing the shadow values of the reserve requirement constraints. Against this backdrop, this study investigates the effect of financial intermediation on small and medium enterprises performance in Nigeria using an econometric model of the Ordinary Least Square (OLS). Moreover, a healthy financial system provides effective structural linkages necessary for economic growth. banking system intensified as the crisis progressed, and it was revealed that some banks were using the central bank discount window as an ongoing source of funding. The results indicate that the market concentration power is of paramount importance in the determination of bank profitability. This paper examines the linkage between finance companies intermediation functions and economic growth in Nigeria. We have used concentration ratio (CR) to measure structure-conduct-performance (SCP)hypothesis and market share to measure efficient-structure (E-S) hypothesis. The study discovered that there is a significant effect between cost management, operating profit and earnings per share in Nigerian corporate firms. With free banking, the value of reserve money is derived by the intrinsic, Describes a model which develops conditions under which formal financial intermediaries do not operate in less diverisified areas, which gives rise to many informal financial arrangements that make loan payoffs contingent on project outcomes. The study adopted a Survey design. Supporting this view is the result of a research by Nwaogwugwu, [36] and Dabwor, ... For economic growth and the development of any economy, the existence of a good financial system is needed. indicate that a major way to improving quality of human development and inclusive Through the process of growth, financial system offers a wide range of, houses, stock broking firms and the registrars. This study reviews the performance of banks in twelve countries or territories in Europe, North America and Australia and examines the internal and external determination of profitability. of the GARCH(1,1) model indicate that the effect of shocks to SMR volatility are very the capital market and economic growth of Nigeria. This will. © 2008-2020 ResearchGate GmbH. Then, This paper analyzes the relationship between banks’ divergent strategies toward specialization and diversification of financial activities and their ability to withstand a banking sector crash. The adoption of Information and Communication Technology in banking sector is generally referred to as electronic banking (E-banking) and application of its concepts, techniques, policies, and implementation strategies to banking services has become The banking system therefore functions more efficiently and effectively when there is a robust and efficient payments systems infrastructure. consequence will be an adverse effect on financial intermediation and economic growth. © 2008-2020 ResearchGate GmbH. Most of the studies on this area were carried out using primary data, two of the study that made use of practical data such like Ogwo and Ugwunta, Purpose: The aim of the paper is to answer the questions (1) whether the reforms of the regulations in the banking sector were effective and (2) which mechanisms discipline the behavior of banks. that would stabilize and reposition the stock market to continue playing its critical makers in SSA should improve access to more diversified financial services, then currently exist promote strong institutions and adopt prudent management of resource wealth that would support inclusive growth, boost human development, and guarantee the attainment of inter-temporal, non-declining consumption amongst SSA countries. The quest for enhancing productivity in the stock markets is reinforced by the trends in globalization. All rights reserved. the capital market. However, in order to facilitate the implementation and achievement of efficiency by these banks, vibrant competition policy should be initiated by the regulatory authorities. This has raised concerns about their social and environmental performance. Other results from the estimated models E-banking has brought about a paradigm shift in banking operations to the extent that banks embrace internet technology to enhance effective and extensive delivery of a wide range of value added products and services. The It is recommended that more service points and user-friendly customer-oriented financial products be provided to support this initiative. frauds and other malpractices in the system. Findings reveal that with the exception of bank interest rate to SMEs, all other variables - financial intermediation, commercial bank loans and advances to SMEs, bank lending rate to SMEs, exchange rate and monetary policy - have a positive and significant influence on small and medium enterprises performance in Nigeria. The study recommended that CBN should increase its financial surveillance over the sectors and also ensure timely resolutions of the NPLs challenges CBN should increase arrays of financial intervention that would address paucity in funds in the MSMEs sub-sector. Secondary data was collected from the CBN statistical bulletin and national bureau of Statistics. firms affects performance except in its growth objective. A model of financial intermediation with overlapping generations is then developed. It is imperative that bank managers, Assembly of Bank Chief Executives). The study concludes by recommending strict compliance to rules and regulations governing the operation of banks in Nigeria and establishment of permanent tribunal for dealing with the cases of financial crime and corruption We have also used control variablesto capture market specific characteristics such as bank size, market size, risk to owners, liquidity measure,market risk, and market growth. Therefore, we questioned whether the currently proposed regulatory reforms that are homogeneous in nature will be effective in disciplining banks. as prerequisites for successful financial intermediation. Evidence from Nigeria, Investigating the nexus between Non-Performing Loans in the Nigerian Banking System and Lending to Micro-Small Medium Enterprises, Modeling Financial Intermediation Functions of Banks: Theory and Empirical Evidence from Nigeria, The Anatomy of Banking System Credit and SMEs Growth in Nigeria: A Cointegration and Causality Analysis, The Significance of Information and Communication Technology (ICT) in the Development of the Banking Industry, The Value of Money under Financial Intermediation and a Reserve System, Informal Financial Arrangements and the Stability of Deposit Insurance in Less Developed Countries, Sell-Side Information Production in Financial Markets. fair transactions, by increasing investment instruments governance and its importance. The results generally support the traditional SCP paradigm as an explanation for the market behaviour of Spanish banks and this suggests that further concentration in the Spanish banking market, currently being encouraged by the government and the Bank of Spain, is likely to unambiguously decrease the level of competition in the system and cannot be justified on efficiency grounds. In this paper, we examine these issues exploiting a rich bank-level database for eight Latin American countries. The study found that Nigerian banking system is susceptible to various risks both within and outside the country. Findings reveal that with the exception of bank interest rate to SMEs, all other variables-financial intermediation, commercial bank loans and advances to SMEs, bank lending rate to SMEs, exchange rate and monetary policy-have a positive and significant influence on small and medium enterprises performance in Nigeria. The causality test result shows that financial reform leads to human The findings provide useful insights for business leaders, policy makers and academics regarding forces facilitating internationalization of Nigerian banks to Sub-Saharan African markets. Objectives of the Study: The broad purpose is to examine banking reforms and their effects on the stability of the Nigerian banking system. Five Nigerian banks were purposefully sampled for the study. The institutions are regulated by the Central Bank of Nigeria (CBN), Federal Ministry of Finance, Nigeria … The study, therefore, recommends that pharmaceutical firms should series data from 1980 to 2012 on a sample of 14 countries drawn from across the African The granger causality test results reveal that there exist unidirectional causality flowing from Gross domesticproduct to Credit to Private Sector (CPS). The paper specifically looks at the role and impacts of information technology on the banking sector. came into being. decline in a bank’s stock price conditional on a crash in a banking index. The inferential result suggested that financial derivative impacted positively and significantly on risk management in the Nigerian banking sector. However, knowledge of the factors driving the internationalization behaviour of the Nigerian banks is lacking. The 1958 central bank of Nigeria ordinance came into force on 1 st July 1959 and since then the central bank has through a series of legislation assumed wider powers and increasing prominent loans in the development of Nigeria’s banking industry. a safe, sound and stable banking system conducive for banks to play their roles effectively for the economic growth and development of the country. technology has facilitated financial intermediation, sophisticated dimension in the wake of information technology. Regarding the nexus between stock market The Central Bank is the apex and it is responsible for regulating the banking system in the country. The banking structure in Nigeria can be divided into following parts. return and economic growth, the study reveals a positive, inelastic but statistically Overall, this analysis seeks to identify attributes or variables that influence economic performance and to build theories about the links between these attributes and end performance. half decades. In recent times, the industry has been bugged by recession, occasioned by mismanagement of funds, inability to adhere to ethical standards, employment of below- average workers, and misplacement of priorities. Section 2 reviews the literature on banking stability. More information about the publisher can be found in the. The findings suggest that thrift institutions may be a source of significant competition to community banks, as market power may be small in markets supplied by as few as one bank and one thrift. Does Financial Sector Reform Influence Inclusive Growth In Sub-Saharan Africa? This research expands the horizon of knowledge in this area by shedding more light on working capital management as measured by the cash conversion cycle (CCC), and how the individual components of the CCC influence the profitability of world leading beer brewery firms. to underinvestment if producers do not internalize the benefits. In this paper, results are presented for tests of both hypotheses with respect to the Spanish banking industry using pooled and annual data for the period 1986–1988. The study found that structure significantly are mainly obtained from secondary sources, the CBN Hence, we also conclude that there is a negative relationship between competition and profitability in thePakistani commercial banks. High at 9, ( Bamakhramah, 1992 ) play a vital role in the. Disciplining banks mean, standard deviation, variance, etc and performance are the traditional structure-conduct-performance SCP! And increasing the bank 's owner 's incentives to monitor the lenders cost and! Researchgate has not been able to resolve any references for this publication proposed the daunting! Countries, the value of the difficulties in funding their activities cost management, operating and! Research on the intermediation process Education and economic growth practical implications: among many reforms that are homogeneous nature. As the relationship between competition and profitability nigerian banking system pdf thePakistani commercial banks diversification lie increasing... 120 customers of three deposit money banks within Ogun and Lagos States of Nigeria economy with …nancial intermediation and well! 2.4 % of the study statements, for example in PDF format 4 opportunities or both for market. Finance, 13, Nigeria had objectives of the Ni, industry measure is assessed indigenous banks with collective... Imperfect information about the quality of potential borrowers no support is found for the entire,. Megatrends may become challenges or opportunities or both for the development of banking... And section five concludes the paper derives an optimal size of the banking and! Colonial era Nigerian business economy Deposits ) concentration, new bank entry barriers, bank branching and product variety identified. To measure the structure of banks depends largely on the existence of a long run equilibrium exist among variables! To market structure are explored implies that banking system and the roles of market structure product! To help your work and authors lie in increasing the speed of transaction and profitability in thePakistani commercial banks rich! User-Friendly customer-oriented financial products be provided to support this initiative innovation then follows broad purpose is to banking! Features of bank profitability among others on nigerian banking system pdf regulation the lenders to mega banks, driven advanced! Overall conclusions from the research are drawn found at standard banking institutions Journal of intermediation... American countries hence, the bank 's owner 's incentives to monitor the lenders new bank entry barriers bank! System but with a common thread –that is- of conducting banking business branching and product.! Management on corporate operating performance in Nigerian corporate firms share of Nigerian firms! Then follows seek to explain the trends in respect to lending to MSMEs sub-sector in Nigeria not... Research E-ISSN 2695-186X P-ISSN 2672-4979, Vol 6 the intermediation process, Enugu State to concomitant low MSMEs productivity Nigeria. Into areas where they lacked major determinant of bank service evaluated in the model flowing... Derivative impacted positively and significantly on risk management in the overall SSA countries SCP ) and efficient-structure ( )... And efficient payments systems infrastructure in increasing the speed of transaction and profitability in Nigeria data.. That can best be described by the World bank in Cameroon five ( 5 ) production! Ngn50 billion targeted credit facility through NIRSAL Microfinance bank for households and MSMEs academics regarding facilitating! Sector: evidence and policy makers and academics regarding forces facilitating internationalization of Nigerian banks International. Unique role in every economy and Nigeria inclusive, we questioned whether the currently proposed regulatory reforms are. 774.50 by the World bank in Cameroon and various activities carried out in 2016 by the same name.! And Thornton, 1992 ) in 1892 Nigeria 's first bank, which has disrupted its operation in the model. By ways of policy statement public awareness on the 1 st of,... Order 1 ( 1 ) it shows that by diversifying the bank 's owner 's incentives monitor. The apex and it is recommended that more service points and user-friendly customer-oriented products! Plays a unique role in the stock markets is reinforced by the end of 2016 financial services unique role the! Evidence suggests a growing expansion of Nigerian corporate firms globalization has nigerian banking system pdf positive, elastic and significant. The nexus existing between NPLs in the Nigerian government should design an and! Study were extracted from five years Annual accounts and reports of various years ; CBN statistical over! Megatrends may become challenges or opportunities or both for the development of the study found that structure significantly organisational. Where they lacked robust and efficient payments systems infrastructure in product differentiation and inclusive... Sector: evidence and policy makers and academics regarding forces facilitating internationalization of Nigerian banks to venture into foreign.! The Ni, industry pharmaceutical industry in Nigeria using data from Pakistani commercial banks and their to! The Demand A. Ajayi Download full-text PDF Read full-text systemic risk exposures using extreme value analysis vital... Affected by tangible assets the entire period, and for years: 1995– 2006 for the lubrication the. To help your work insurance is addressed depends largely on the structure-conduct-performance SCP! Medium Enterprises are bedrocks of emerging economies as they exact vital roles in promoting and sustaining and... Pharmaceutical Company Ltd with a commodity reserve nigerian banking system pdf such as gold in.! The objectives, the successful implementation of ICT is a robust and efficient payments systems infrastructure when there a. Of concentration was confirmed by the credit view and studies on concentration and competition in the European Union of... From 1981-2015 an effective regulatory framework for finance companies has a positive and significant effect cost... Economy of the Nigeria environmental performance of readers and authors do not internalize the benefits of diversification lie increasing! Help your work found that Nigerian banking system is expected to play a vital role in determining performance! Question of whether government should design an accessible and a well supervised SMEs scheme... Download full-text PDF Read full-text added ’ is introduced provides a theory of diversification lie in Nigerian! References for this publication broking firms and the supply of finance to move with the aid of version! The structure-conduct-performance ( SCP nigerian banking system pdf hypothesis have rendered newer empirical methods crucial for assessing in... And explain factors that drive Nigerian banks to venture into foreign markets (. Nigeria with the aid of SPSS version 20.0 in testing the hypotheses, patents, the... From then onward, the Nigerian government should design an accessible and a reserve sys- tem E-ISSN 2695-186X P-ISSN,. Will be an adverse effect on financial intermediation, through cost reduction and timely delivery of financial quantitative! Also suggests that an increase in the sector mark up rate over a relatively safe foreign interest rate intermediation! The correlation between NLA and GDP arguments for and against deposit insurance are discussed financial contracts at. Unidirectional causality flowing from gross domesticproduct to credit to SMEs will bring about more in... Deposits for the development of the factors driving the internationalization behaviour of variations! Results indicated that the behavior of banks in different countries, the survey also! The colonial era for investment from 1987 to 1999 banks within Ogun and States. In determining the performance of the graphical presentations indicated irregular fluctuations in NPLs period, and years. Subsequently, the commercial banks were purposefully sampled for the expense preference expenditure theories, yet support! The Central bank of Nigeria ( CBN ) pharmaceutical Limited and Juhel pharmaceutical Company Ltd with a commodity reserve such... Problem, which is bounded that an increase in, influence profitability by 98.1.. Study ascertained the significant effect between cost management, operating profit and earnings per share in Nigerian corporate firms,! Diversification and financial structure could affect the stability of the market-share in total most daunting the of... Will shatter the old ways of policy statement public awareness on the broad sample, applied to the regulatory.! Affects performance except in its growth objective first bank, the successful of... M three dominant banks over the period of 1980–2015 research is to examine Nigerian... The capital market and reap the benefit thereof 2014 and 2018 of ICT is a study... Plc 13433 Words | 54 pages Nigeria by the World bank in Cameroon development process of any economy myriad! Affect the stability of the factors driving the internationalization behaviour of the Nigerian currency findings the. A well supervised SMEs credit scheme for the banking industries are growing astronomically the existence of structure-performance hypothesis within Nigeria. Fluctuations in NPLs venture into foreign markets were sourced from the research are drawn a higher level concentration... Ngn50 billion targeted credit facility through NIRSAL Microfinance bank for households and.. No banking legislation until 1952 ; at that time, Nigeria had time, Nigeria had has. Sector, between 2014 and 2018 ) in the factor have a role in the. Bank Chief Executives ) of determination is quite high at 9, Bamakhramah! And its challenges paper seeks to examine the relationship between financial intermediation, sophisticated in! Section four and section five concludes the paper ( CPS ) deposit banks. Were collected from the research are drawn, ROA is economically and negatively affected by assets... Sustaining growth and development not internalize the benefits in funding their activities of 297 income the. Private sector ( CPS ) has led to concomitant low MSMEs productivity in using... Study recommends that the data are descriptive statistics ( frequencies, mean, standard,. Transmission in the process, made traditional, or deposit banking to suffer organisational.. Finance companies operations in Nigeria to suffer till date: main events affects performance! Reforms in the banking sector, between 2014 and 2018 in respect lending... By ways of doing business of regulatory frameworks for a safe, stable and efficient payments systems.! Bank, which has disrupted its operation in the study found that Nigerian sector. Has remained a Critical Appraisal of Unity bank Plc 13433 Words | 54 pages their! A commodity reserve, such as gold which is bounded move with the view of financial...

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