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The Impact Of Financial Sector Reforms On Banks Performance In Nigeria

Author

Listed:
  • Olubayo Thomas Olajide
  • Taiwo Asaolu
  • Charles Ayodele Jegede

Abstract

This study examined the impact of financial reforms on banks’ organizational performance in Nigeria between 1995 and 2004. It specifically determined the effects of policies of interest rates deregulation, exchange rate reforms and bank recapitalization on banks performance, and analyzed how banks internal characteristics and industry structure affect the performance of Nigerian banks. The study utilized panel data econometrics in a pooled regression, where time-series and cross-sectional observations were combined and estimated. The result of econometric panel regression analysis confirmed that the effects of government policy reforms, bank specific characteristics and industry structure has mixed effects on banks profitability level and net interest margin of Nigerian banks. Bank specific characteristics appear to have significant positive influence on bank’s profitability and efficiency level, while industry stricture variables appeared not to have contributed meaningfully to the profitability and efficiency performance of banks in Nigeria

Suggested Citation

  • Olubayo Thomas Olajide & Taiwo Asaolu & Charles Ayodele Jegede, 2011. "The Impact Of Financial Sector Reforms On Banks Performance In Nigeria," The International Journal of Business and Finance Research, The Institute for Business and Finance Research, vol. 5(1), pages 53-63.
    • Handle: RePEc:ibf:ijbfre:v:5:y:2011:i:1:p:53-63
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    File URL: http://www.theibfr2.com/RePEc/ibf/ijbfre/ijbfr-v5n1-2011/IJBFR-V5N1-2011-4.pdf
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    Cited by:

    1. Uddin, Godwin, 2020. "Prudential guidelines and financial system stability in Nigeria," MPRA Paper 104964, University Library of Munich, Germany.
    2. Edirin Jeroh & Emma Okoye, 2015. "Impact Assessment of Bank Consolidation on the Performance of Commercial Banks in Nigeria," Acta Universitatis Danubius. OEconomica, Danubius University of Galati, issue 11(5), pages 30-44, October.
    3. Uddin, Godwin, 2021. "Financial system regulation in a pandemic: Evidence from Nigeria," MPRA Paper 108052, University Library of Munich, Germany.
    4. Martina Chinazom Okorie & David Onyinyechi Agu, 2015. "Does Banking Sector Reform Buy Efficiency Of Banking Sector Operations? ? Evidence from Recent Nigerias Banking Sector Reforms," Asian Economic and Financial Review, Asian Economic and Social Society, vol. 5(2), pages 264-278, February.
    5. Yussif Issaka Jajah & Ebenezer B. Anarfo & Felix K. Aveh, 2022. "Financial inclusion and bank profitability in Sub‐Saharan Africa," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 27(1), pages 32-44, January.

    More about this item

    Keywords

    Nigeria; Financial Reforms; Banks Performance;
    All these keywords.

    JEL classification:

    • F2 - International Economics - - International Factor Movements and International Business
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • E1 - Macroeconomics and Monetary Economics - - General Aggregative Models

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