Soludo consolidating nigerian banking


D (1985) Recent Bank Failures: Determinants and Consequences. (2004) Consolidating the Nigerian banking Industry to meet the Development Challenges of the 21st century and address by the CBN Governor at the Special Meeting of the Bankers Committee on July 6th, 2004, CBN Headquarters Abuja. In addition, while there exists a growing body of theoretical and empirical studies that attempt to appraise the effects of bank reforms and consolidation programme on various measures of organizational performance in the banking sector (Hesse, 2007) its effects on bank lending activities is yet to witness the same level of academic enquiry within the Nigerian banking empirics.This is apparently a serious omission and the present study stands to fill this gap.



Thus, the need to engender a banking system that can nurture and support the growth and development of the real sector, widely recognized as an economy’s growth engine, stands out prominent as justification for the reform package.Consequent on the foregoing, major thrusts of the reforms and consolidation programme in the banking sector had been crucially targeted to alter those factors that theoretical constructs postulated to alter supply of loans from the banking system.Such factors as identified in the literature include: the bank’s size, the liquidity level of the banking firm and the level of bank capitalization (Hubbard, 2000).This paper set out to determine the factors that discriminate most in the classification of banks into sound and unsound position using method of discriminant analysis. Paper Presented at the Effective Branch Management Course of the Financial Institutions Training Centres Yaba-Nigeria.

Data used were sourced from the annual report of the Nigerian deposit and insurance corporation. NDIC (1994) Nigeria Deposit and Insurance Corporation. NDIC (1998) Nigeria Deposit and Insurance Corporation. NDIC (1999) Nigeria Deposit and Insurance Corporation. NDIC (2001) Nigeria Deposit and Insurance Corporation.

Small banks may find it more difficult to raise external funds in times of monetary tightening.



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