Research Papers/Topics in Banking And Finance

A Post-Consolidation Assessment of Profitability in Nigerian Banks

Using stochastic frontier technique, this study examined the changes in the profit efficiency of Nigerian banks after the recapitalization exercise of central bank of Nigeria for the period 2006 to 2008. The results showed that the estimated profit efficiency scores for 2006, 2007 and 2008 for troubled banks were 0.79, 0.89 and 0.94, respectively while corresponding values for healthy banks were 0.47, 0.66 and 0.81. Average efficiency score of all sampled banks were 0.59, ...

A Comparative Performance Evaluation of the Nigerian Banking Sector in the Post – 2005 Consolidation: Through the Camel Rating System

Banking in Nigeria has undergone remarkable changes since 2005 bank consolidation. The era of arm chair banking has gone. It has become a different ball game in terms of competition and its inherent strategies. Thistransition eventually brings the Nigerian banks to be in need of capital, asset creation, earnings, liquidity and the management to manage the risk exposure of the aforementioned. In this era of banking, customers must know and understand their banks so that they can differentia...

A Catering Model of Dividends and Share Repurchases

This paper develops a theoretical model to demonstrate that the firm’s payout/investment decision may be affected by the relative magnitude of dividend and repurchasing premia. The model shows that the manager of high-quality firm may pass up a positive NPV project in order to cater to investors’ demand for dividends or share repurchases (adverse selection problem) if the catering premia are substantial. On the other hand, the manager of low-quality firm may have strong incentives to ...

A Case for Non Interest Banking in Nigeria amidst the Collapsing Paradigms in the Global Economy

This paper argues for reconsideration and reevaluation of the underlying assumptions and paradigms of the world capitalist system in particular and that of economics in general. This is against the backdrop of an increasing discontent of majority of the world’s people against the growing inequality between the rich and the poor. It contends that the genesis of the problem is rooted in the concept of the selfish, individuated economic man, which has fueled our appetite for greed, selfish...

THE ROLES OF NIGERIA STOCK EXCHANGE FOR DEVELOPMENT OF COMMERCIAL BANK

This work is to evaluate  the performance and roles of the NSE as an  agent of development of the Nigeria economy  in which the commercial banks is one of the major institutions,  through the promotions of a flexible active and dynamic stock exchange  market.

SUKUK: AN ALTERNATIVE SOURCE OF FUNDS FOR GOVERNMENT IN NIGERIA

Government in Nigeria be it federal state or local are always faced with similar problem of funding. Islamic financial instruments have been regarded as an attractive alternative to traditional financial instruments. The funding requirement by the government are available but not necessarily healthy and cheap as they are mostly being characterized with high interest rates, unimaginable charges or even stringent repayment plans. Also Islamic financial instrument such as Sukuk generat...

BANKING_SECTOR_REFORMS_AND_ECONOMIC_PERFORMANCE_ Analysis Using Credit to Private Sector

This study focuses on the implications of Credit to private Sector on the economic growth of Nigeria.  Reforms have been introduced and implemented in Nigeria over the last three decades. The impact of these reforms on the economic growth have not been well felt by the citizens. The study is to determine the relationship between Credit to private Sector and economic growth of Nigeria. Regression model was used to present the estimates evaluated with T-test, F-test, DW-test and sta...

AN INSIGHT INTO THE NIGERIAN MICROFINANCE INDUSTRY

It is estimated by UNICEF that 71% OF Nigerians live below a dollar per day and 92% on 2 dollars per day. This estimate shows the high level of poverty in the country. The social responsibility of any microfinance bank is to help alleviate poverty by filling the void created by conventional banks through provision of broad range of finance (ranging from savings to micro loans) to the under-banked, people with little or no access to proper financing.The microfinance Industry in Nigeria ha...

EMPIRICAL STUDY ON MEASUREMENT OF PERFORMANCE OF NIGERIAN MONEY DEPOSIT BANKS

This study examines the performance of the Nigerian money deposit banks for the period 2008 to2012. Past studies attempted to measure the performance and efficiency of the banking industry usingdifferent kinds of performance indicators such as outputs, costs, financial measures, economic measuresto include Total Factor Productivity (TPF) among others. But in this study, the researchers focusedon another aspect by adopting the Performance Indexing Model developed by Suat, Dilek &Oya (2011), to...

THE APPRAISAL OF DR. LAMIDO SANUSI’S BANKING POLICIES TOWARDS BANK CONSOLIDATION AND EFFICIENT SERVICES DELIVERY IN NIGERIA BANKING INDUSTRY

ABSTRACTThis paper focuses on the recent Sanusi’s banking sector policies towards bank consolidation and efficient services delivery in Nigeria banking industry.  One of the most challenging debates of modern history is whether financial development causes economic growth or a consequence of economic activity. There are on-going reforms in the sector in Nigeria, thus the importance of a review of the various reforms. Evidence as to whether and how reforms are remedying the traditi...

CORPORATE GOVERNANCE AND BANK FAILURE IN NIGERIA – A DISSERTATION PROPOSAL

ABSTRACT This proposal is purely based on corporate governance and Bank failure in Nigeria and to see if a significant relationship exists between corporate governance and Banks failure. Corporate governance, as a concept, can be viewed from at least two perspectives. The narrow view is concerned with the structures within a corporate entity or enterprise receives its basic orientation and directi...

E-BANKING ISSUES INVOLVES THROUGH SERVICE ORIENTED ARCHITECTURE

ABSTRACTSOA (Service Oriented Architecture) is suitable progressively more essential nowadays. Service OrientedArchitecture (SOA) supports the strategy for goal of the business. Standard of web services along with theirimplementations are the Key for Service Oriented Architecture (SOA). Successful implementations are growing for thesetechnologies. Therefore solving wider business issues involves SOA designing at high quality at the premature period.Within the article there is a motivation on ...

Company Assets as Security for Bank Lending

ABSTRACTThis term paper presents the subject matter in a simple, coherent and critical manner. It takesthe reader from an introductory to a higher level gradually this work provides basic knowledge of what company asset as a security for bank lending is all about, the framework within which the bank conduct their operation concerning banking lending is been discussed. The reader with a desire to have a general knowledge about using company asset as a security for bank lending will find h...

AN ANALYSIS OF DEBT RECOVERY TECHNIQUES USED BY COMMERCIAL BANKS

ABSTRACTThe banking industry has been known to provide lending to support activities of Corporate, businesses as well as individuals. This loan offered by bank is derived from shareholders whose interest is simply to make profits. This makes banks key role to be lending and making a margin from funds lent so that it can provide a return on investment for the shareholders. It has been difficult for banks to play this role with ease as the market is bedeviled with risks, risks which cannot be f...

The Effect of the Industrial Sector on Firms’ Performance In A Multi-Cultural Economy

This paper presents empirical findings on the impact of the industrial sector on the performance of firms in a culturally diverse nation like Nigeria. The main objective of the study is to determine the overall effect of the industry in which a firm operates in a multicultural economy on its performance. The study opines that the cultural diversity of the Nigerian citizenry could determine to an extent the performance of a given firm in an industry and how the national economic policies affec...


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