BANK SPECIFIC CHARACTERISTICS, MACROECONOMIC FACTORS AND FINANCIAL STABILITY IN NIGERIAN COMMERCIAL BANKS

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dc.contributor.authorEtudaiye-Muhtar, Oyebola Fatima
dc.date.accessioned2023-01-20T10:36:00Z
dc.date.available2023-01-20T10:36:00Z
dc.date.issued2021
dc.description.abstractGiven the importance of banking sector stability in maintaining a crisis free economy, bank management and monetary authorities are always concerned about factors that trigger instability in the sector. It is on this premise that this study investigates the determinants of banking sector stability in 10 Nigerian commercial banks over the period 2006 – 2017. The study analysed annual bank specific and macroeconomic data using the pooled ordinary least square regression method. Results show that capital adequacy (0.256, p<0.01), profitability (0.021, p<0.01), liquidity (0.082, p<0.05) and inflation (0.050, p<0.1) as observed in the signs and significance of coefficients are important factors that affect bank stability in Nigerian commercial banks. The study recommends that bank management should endeavour to maintain adequate capital ratios as stipulated by monetary authorities and make sustainable profits. In addition, they should strike a balance between increased levels of liquidity and profits to prevent instability in the sector. Furthermore, monetary authorities are advised to maintain an inflation rate that would enable banks to anticipate inflation so that they can factor its cost into their pricing.en_US
dc.identifier.urihttps://uilspace.unilorin.edu.ng/handle/20.500.12484/8373
dc.language.isoenen_US
dc.publisherFaculty of Management Sciencesen_US
dc.titleBANK SPECIFIC CHARACTERISTICS, MACROECONOMIC FACTORS AND FINANCIAL STABILITY IN NIGERIAN COMMERCIAL BANKSen_US
dc.typeBook chapteren_US

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