Description
Liquidity and profitability in deposit money banks in Nigeria.
Abstract
The study examined liquidity and profitability in deposit money banks in Nigeria. The research design for this study was cross-sectional research design. The data obtained from the primary source through the use of questionnaires were analyzed using simple percentage table. The chi-square statistical tool was used to test the hypothesis of the study. The result from the analysis at 5% level of significance revealed that Bank size has a significant effect on the profitability of Nigerian deposit money banks Non-performing loans have a significant effect on the profitability of Nigerian deposit money banks Loan loss provisions have a significant effect on the profitability of Nigerian deposit money banks. In line with the findings of the study, the study recommends that The management of banks especially credit officers must ensure due diligence by adhering to prudential guidelines when giving out credit facilities Banks must put in place a sound credit-granting process, strictly hold fast to know your customer (KYC) system, applying effective measures in measuring and monitoring of credit and ensure effective controls over credit risk The deposit money bank should ensure that credits protection is put in place which would serve as a shield against credit loss of customers fund.
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