Critical Analysis of the Effect of Commercial Banks’ Branches on Return on Assets of Commercial Banks in Nigeria

Abbas, U., andAtanda, O. (2019). An analysis of financial inclusion in Nigerian banks: From the prospects and challenges perspectives. The International Journal of Business and Management 7(6), 2 Abdullahi, I. B., and Fakunmoju, S. K. (2017). Financial inclusion and small and medium enterprises contribution to sustainable economic growth in Nigeria. Journal of Sustainable Development in Africa, 19(2), 52-68 Adegbite, E. O. (2017). Branch expansion and profitability of deposit money banks in Nigeria. Journal of Finance and Banking, 21(1), 1-15. Afolabi, J. A. (2017). Deposit mobilization and bank performance in Nigeria. Journal of Banking and Finance, 20(2), 16-30. Beck, T., Demirguc-Kunt, A., and Martinez Peria, M. S. (2007). Reaching out: Access to and use of banking services across countries. Beck, T., Demirguc-Kunt, A., and Martinez Peria, M. S. (2007). Reaching out: Access to and use of banking services across countries. Belita, S. (2013). Contemporary banking theory. Journal of financial Intermediation, 3(1), 2- CBN (2013) financial inclusion in Nigeria: issues and challenges. Occasional paper, 45. Central Bank of Nigeria (2013). Financial Inclusion in Nigeria: Issues and Challenges. Occasional Paper 45. Central Bank of Nigeria (2023) Financial Inclusion Strategy. Abuja. World bank, (2020), Access to Financial Services in Nigeria 2019 Survey. Central Bank of Nigeria. (2016). Financial Stability Report. Central Bank of Nigeria. (2020). Financial Stability Report. Demirguc-Kunt, A., and Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability: Some international evidence. Demirguc-Kunt, A., and Klapper, H. (2012). Empirical evaluation of the effect of commercial bank interest margins and profitability: Some international evidence. Demirguc-Kunt, A., and Klapper, H. (2012). Determinants of commercial bank’s payment system on their profitability. Journal of Business Finance, 3, 12-23. Diamond, D. W. (1984). Financial intermediation and delegated monitoring. El-Said. A., Emara, N., and Pearlman, J. (2020). On the impact of financial inclusion on financial stability and inequality: The role of macro-prudential policies (20/60) Esezebor, E.A. (2013). The Peculiarities and Challenges for the Surveillance of Non-bank Financial Institution in Nigeria, 3. Financial Inclusion Action Plan (FIAP), (2023). Financial Inclusion Action Plan (FIAP) for 2024-2026. Global Partnership for Financial Inclusion (GPFI). United Nations Secretary-General’s Special Advocate for Inclusive Finance for Development (UNSGSA) and Honorary Patron of the G20 GPFI. Frank, B. P., and Binaebi, B. (2019). Electronic Payment Systems Implementation and the Performance of Commercial Banks in Nigeria. European Journal of Business and Management Research, 4(5). https://doi.org/10.24018/ejbmr.2019.4.5.112 Freixas, X., and Rochet, J. C. (2008). Microeconomics of banking. Kondo, K. (2017). Does branch network size influence positively the management performance of Japanese regional banks? MPRA Paper 81257, 1-22. Lawal, L.O., Abubakar, I.A., and Salau, R.A.(2020). Financial Inclusion, MSMES and its impact in Deposit Money Banks Performance in Nigeria. Al-Hikmah Management Review 5(1), 2020 Lenka, S. K., and Sharma, R. (2017). Does financial inclusion spur economic growth in India? The Journal of Developing Areas, 51(3), 215-228. https://doi.10.1353/jda.2017.0069 Lyman, T., Pickens, M., and Porteous, D. (2008). Regulating Transformational Branchless Banking: Mobile Phones and Other Technology to Increase Access to Finance. Mas, I., and Siedek, H. (2008). Banking through Networks of Retail Agents. Migap, J.P., Okwanya, I.,andOjeka, G. (2015). Financial inclusion for inclusive growth: The Nigerian perspective. International Journal of Information Technology and Business Management, 37(1), 1-8 Muema, P. (2013). The effect of financial inclusion strategies on financial performance of commercial banks in Kenya. Unpublished MBA Thesis, University of Nairobi. Mugenda, O., and Mugenda, A. (2003). Research Methods Quantitative and Qualitative Approaches. Nairobi: ACTS Press. Vol. 3, 1-10 Munyoki, T. N. (2013). Effect of online banking on financial performance of commercial banks in Kenya. MBA Project, University of Nairobi. Muotolu, P. C., and Nwadialor, E. O. (2019). Cashless Policy and Financial Performance of Deposit Money Banks in Nigeria. International Journal of Trend in Scientific Research and Development, 3, 465-476. https://doi.org/10.31142/ijtsrd23835 Mutua, R. W. (2013). Effects of mobile banking on the financial performance of commercial banks in Kenya. Unpublished MBA Thesis, University of Nairobi. Nader, A (2011). The effect of banking expansion on profit Efficiency of Saudi Banks. 2nd International Conference on Business and Economic Research (2nd ICBER 2011) Proceedings 269. Okon, A. N., and Amaegberi, M. A. (2018). Mobile banking transactions and bank profitability in Nigeria. International Journal of Economics, Commerce and Management, 4(6), 692-716. Okonkwo J. J. and Nwanna, I. O (2021). Financial Inclusion and Economic Growth in Nigeria: An Empirical Study. International Journal of Research and Innovation in Social Science (IJRISS) V(I) ISSN 2454-6186 Okoye, L. U., Adetiloye, K. A., Erin, O., and Modebe, N. J. (2017). Financial inclusion as a strategy for enhanced economic growth and development. Journal of Internet Banking and Commerce, 1-12 Onduso, E. A. (2013). The effect of budgets on financial performance of manufacturing companies in Nairobi County. Unpublished MBA Thesis, University of Nairobi. Ongore, V. O., and Kusa, G. B. (2013). Determinants of financial performance of commercial banks in Kenya. International Journal of Economics and Financial Issues, 3(1), 237- Ongore, V. O., and Kusa, G. B. (2013). Determinants of financial performance of commercial banks in Kenya. International Journal of Economics and Financial Issues, 3(1), 237. Onuonga, S. M. (2014). The Analysis of Profitability of Kenya`s Top Six Commercial Banks: Internal Factor Analysis. American International Journal of Social Science, 3(5), 94– 103 Onyango, S. (2014). Effect of Financial Literacy on Management of Personal Finances Among Employees of Commercial Banks in Kenya. Unpublished MBA Project. Oranga, O. J., and Ondabu, I. T. (2018). Effect of financial inclusion on financial performance of banks listed at the Nairobi securities exchange in Kenya. International Journal of Scientific and Research Publications, 8(5), 624-649. Oruo, J. (2013). The Relationship Between Financial Inclusion and GDP Growth in Kenya. Unpublished Manuscript submitted with the University of Nairobi. Osuagwu, E. (2014). Determinants of Bank Profitability in Nigeria. Accessed Online at http://mpra.ub.uni-muenchen.de/60948/ Otieno, R. O. (2016). Factors Influencing the Adoption of Agency Banking by KCB Bank Kenya Limited (doctoral dissertation, school of business in partial fulfillment of the requirements or the award of a degree of masters of business administration, university of nairobi). Otieno, S. (2013). Financial deepening and profitability of commercial banks in Kenya, MBA project, University of Nairobi. Ovia, J. O. (2017). The impact of domestic credit on economic growth in Nigeria. Journal of Economics and Finance, 21(1), 1-12. PACFL (2008). Annual Report to the President. President‘s Advisory Council on Financial Literacy. Rogers, E. M. (2003). Diffusion of innovations (5th ed.). Free Press. Sanusi, L. S. (2012). Banking reform and financial stability in Nigeria. Journal of Banking and Finance, 16(1), 1-12. Shihadeh, F. H., (2021). Does Financial Inclusion Improve the Banks’ Performance? Evidence from Jordan. Research in Finance, (34), 117138