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Oloruntoba, Oyedele
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Economics, Econometrics & Finance

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Liquidity Management and the Performance of Commercial Banks in Nigeria Hassan, Jibrin Suleiman; Oloruntoba, Oyedele
International Journal on Economics, Finance and Sustainable Development Vol. 4 No. 9 (2022): IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v4i9.3406

Abstract

The study focused on liquidity management and its effect on the performance of commercial banks in Nigeria. The study adopted correlational research design. The scope of the study was between 2008 to 2018, a period of 10 years. The study data were collected from the annual report of CBN and NDIC. The data were analysed with the aid of OLS. The study used Non-performing loan ratio, cash reserve requirement, Loan to deposit ratio and liquidity ratio as the components of liquidity management while financial performance was measured as return on equity of Nigerian commercial banks. The study revealed that cash reserve requirement, loan to deposit ratio and liquidity positively and significantly impact the financial performance in Nigerian commercial banks while non-performing loan ratio exhibits a negative but significant relationship with the performance of strategies to reduce non-performing loans. In addition, the managers should revise the loan approval process of their banks so as to reduce the level of nonperforming loans in their banks. Also, that Central Bank of Nigeria which is the nation’s apex bank should supervise and formulate policies that will encourage banks to improve on their international functions.
Effect of Macroeconomic Variables on the Financial Performance of Deposit Money Banks in Nigeria Ojoma, Simon Martha; Oloruntoba, Oyedele
International Journal on Economics, Finance and Sustainable Development Vol. 4 No. 11 (2022): IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v4i11.3535

Abstract

The study investigated the effect of macro-economic variables on the financial performance of Deposit Money Banks (DMBs) in Nigeria. The specific objectives of the study are; to examine the effects of interest rate on the financial performance of deposit money banks, to evaluate the effects of inflation on the financial performance of deposit money banks and to ascertain the effects of exchange rate on the financial performance of deposit money banks. The study utilised ex-post facto research design in its time series using multiple linear regression analysis. The data sources for the study were from the annual financial reports of the selected banks in Nigeria, international monetary fund and World Bank from 2005 to 2019. The major findings of the study showed that exchange rate and interest rate were statistically significant to financial performance of deposit money banks, while inflation rate is statistically insignificant to the financial performance of deposit money banks. The study adopted Return on Equity (ROE) as proxy for financial performance while exchange rate, inflation rate and interest rate were macro-economic indicators for financial performance of deposit money banks. The study concluded that a significant relationship exists between macro-economic variables and banks’ financial performance. The study therefore recommended that, banks should always take cognizance of macro-economic factor fluctuations; as its instability has the tendency to affect the financial performance of banks which consequently affects Return on Equity (ROE).
Co-Authors Hassan, Jibrin Suleiman Ojoma, Simon Martha