IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH (IJBFR )
E-ISSN 2695-1886
P-ISSN 2672-4979
VOL. 5 NO. 1 2019
Jurbe Yibis Gopar & Augustine Okpaje Eba
The study empirically examined effect of recapitalization on the growth of deposit money banks in Nigeria. The specific objectives were; to examine the impact of liquidity on the growth of deposit money banks in Nigeria, to examine the effect of total deposit on the growth of deposit money banks in Nigeria, to investigate the contributions of bank total asset on the growth of deposit money banks in Nigeria. Secondary sources of data was employed in this study, and ordinary/east square (OLS) of multiple regression statistical tool was adopted, to establish the effect of explanatory on dependent variable. Based on the analysis, the findings revealed thus; bank total asset had a significant impact on the growth of deposit money banks, total deposit had a positive money banks, and liquidity had a positive impact on the growth of deposit money banks. The study recommended that CBN must remain resolved and focused on the implementation of its statutory requirement so as to guide against distress in the banking sector.
Liquidity, Deposit money banks, Total deposits, Total assets, Recapitalization
Adegbaju, A. A. & Olokoyo, F. O. (2008). Recapitalization and banks performance in case
study of Nigerian banks. African Economic and Business Review, 6(1).
Adewunmi, S. (1983).The Nigerian financial system. Lagos: Macmillan Press Limited.
African Economic and Business Review, Spring 2008. 6(2).
African Journal of Business Management, 5(14), 5938-5945.
Ahiejor, B. (2004). Banking lending in developed countries.London Macmillan Publishers.
Ahmad, J. (2013). Banking recapitalization and its effect on Nigeria economy. Journal of
Finance, 2(1), 14-29.
Ajayi, M. (2005). Banking Sector Reforms and Bank Consolidation: Conceptual Framework.
Bullion, 29(2), 11-14.
Alburime, J. U. (2011). Determinants of bank profitability macroeconomic evidence from
Nigeria: Lagos Journal of Banking Finance and Economic. Available at
http/ssrn.com/abstract 123.1064.
Asharun, U. & Durouofu, M. (2009). Recapitalization and Nigeria economy. Journal of
Economics, 1(1), 15-38.
Bassey, B. E., & Tapang, A. T. (2012). Capitalized human resources cost and its influence on
corporate productivity: A study of selected companies in Nigeria. International Journal
of Financial Research, 3(2), 48.
Bassey, B. E., & Tapang, A. T. (2012). Expensed human resources cost and its influence on
corporate productivity: A study of selected companies in Nigeria. Global Journal of
Management and Business Research, 12(5).
Bessong, P. K., & Tapang, A. T. (2012). Social responsibility cost and its influence on the
profitability of Nigerian banks. International Journal of Financial Research, 3(4), 33-
45.
Berger, A. (2005). The relationship between capital and earnings in banking.Journal of Money,
Credit and Banking, 2(2), 41-57.
Bounescan, C. (2010). The impact of recapitalization on the performance of banking sector.
Journal of Finance, 1(1), 17-38.
Bourke, C. (2007). Size and performance of banking firms. Testing the predictions of theory,
Journal of Monetary Economy, 3(1), 47-69.
Carletti, E.Cerasi, V. & Daltung, S. (2006). Multiple-bank lending : diversification and free
riding in monitoring, working paper, department of statistics: Universitadeglistudi di
Milano – Bicocca: International Journal of Financial Research, 2(2), 34-54.
Central Bank of Nigeria (2005).Guidelines and Incentives on Consolidation in the Nigeria
Banking Industry. Press Release – April 11, 2005 on Banking Sector Consolidation:
Special Incentive to Encourage Weaker Banks.
Central Bank of Nigeria Statistical Publication. 2006.
Central Bank of Nigeria, (2005). The Impact of Post Banks Consolidation on the Nigerian
Economy. Business Guardian, December 13.
Demirguc-Kunt, A. & Levine, R. (2000). Bank concentrations: Cross century evidence.
Boston: McGraw Hill Publishers.
Ekundayo, J. O. (1994). The future of the banking industry in Nigeria, CBN Economic and
Financial Review, 32(3), 47-51.
Imala O. I. (2005). Challenges of banking sector reforms & bank consolidation in Nigeria. CBN
Bulletin, 4(29), 2-27.
Imala, O. I. (2005). “Consolidation in the Nigerian Banking Industry: A Strategy for Survival
and Development. “A paper presented during the visit of the Nigerian Economics
Students Association (NESA), University of Abuja Chapter.
Madidie, C. (2013). Banking consolidation in Nigeria. Journal of Economics, 1(1), 18-30.
Olaitan, U. (2006). The contribution of capital base on the growth of banks. Journal of Finance,
1(1), 10-21.
Omoruyi S. E. (1991). The Financial Sector in Africa: Overview and Reforms in Economic
Adjustment Programmes. CBN Economic Finance Review, 29(4), 110-124.
Onaolapo, a. A. (2008). Implication of capitalization on financial health. Journal of Economic
Theories, 2(5), 4-19.
Otangaran, I. (2004). Stakeholders perspective on the N25 billion capital base. Financial
Standard, 5(40), 22-23.
Rozbelure, L., Ofown, U., Sikuru, M. & Olufemi, V. (2015). The impact of bank consolidation
on the growth of Nigeria economy. Journal of Finance, 1(1), 14-29.
Sloan, K. & Arnold, K. (1970). Bank recapitalization and the growth of economy. Lagos: Alvan
Publishers.
Soludo, C. C. (2004). Consolidating the Nigerian Banking Industry to meet the Development
Challenges of the 21st Century. Being an Address Delivered to the Special Meeting of
the Bankers’ Committee, Held on July 6, at the CBN Headquarter, Abuja.
Soludo, C. C. (2004). Consolidation and Strengthening of Banks, Speech Delivered at the
Meeting of Bankers committee 6th August 2004.
Tapang, A.T., Bessong, P.K. & Ujah, P.I. (2015). Management influence and auditor’s
independence in Nigerian Banks. International Journal of Economics, Commerce and
Management. 3(4), 1-26.
Tapang, A. T., Bassey, B. E., & Bessong, P. K. (2012). Environmental activities and its
implications on the profitability of oil companies in Nigeria. International Journal of
Physical and Social Sciences, 2(3), 285-302.
Uboh, G. A. T. (2005). Selected essays on contemporary issues in Nigerian banking system,
Ibadan: University Press Plc.