The Influence of Bank Liquidity on Lending Behaviour of Deposit Money Banks (DMBs) in Nigeria (2006 - 2020)

AKSU Journal of Management Sciences Pub Date : 2022-12-15 DOI:10.61090/aksujomas.2022.010

Ofonime O. JEREMIAH, Essien E. Akpanuko, I. Acha

{"title":"The Influence of Bank Liquidity on Lending Behaviour of Deposit Money Banks (DMBs) in Nigeria (2006 - 2020)","authors":"Ofonime O. JEREMIAH, Essien E. Akpanuko, I. Acha","doi":"10.61090/aksujomas.2022.010","DOIUrl":null,"url":null,"abstract":"The relevance of DMBs and their lending activities in Nigeria necessitates concern about the liquidity condition of these banks. This is particularly pertinent, given the spate of recurring unpalatable incidences in the Nigerian banking sub-sector even after the 2005 consolidation. The objective of the study was to examine the influence of bank liquidity on lending behaviour of DMBs in Nigeria. Twelve (12) listed DMBs were selected using the convenience sampling technique. The ex post facto research design was adopted and secondary data drawn from the sampled DMBs from 2006 to 2020 were used for analysis. The data were analyzed using descriptive statistics and regression analysis. The results revealed that bank liquidity significantly influences lending behaviour of DMBs. However, the loan to total assets ratio was found to exert the highest relative influence on lending behaviour of DMBs. It was therefore recommended that DMBs should prioritize the maintenance of a dynamic loan to total assets ratio. Also the Central Bank of Nigeria and other regulatory bodies should be more proactive in ensuring DMBs’ liquidity and sustainability.","PeriodicalId":433477,"journal":{"name":"AKSU Journal of Management Sciences","volume":"33 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"AKSU Journal of Management Sciences","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.61090/aksujomas.2022.010","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}

引用次数: 0

Abstract

The relevance of DMBs and their lending activities in Nigeria necessitates concern about the liquidity condition of these banks. This is particularly pertinent, given the spate of recurring unpalatable incidences in the Nigerian banking sub-sector even after the 2005 consolidation. The objective of the study was to examine the influence of bank liquidity on lending behaviour of DMBs in Nigeria. Twelve (12) listed DMBs were selected using the convenience sampling technique. The ex post facto research design was adopted and secondary data drawn from the sampled DMBs from 2006 to 2020 were used for analysis. The data were analyzed using descriptive statistics and regression analysis. The results revealed that bank liquidity significantly influences lending behaviour of DMBs. However, the loan to total assets ratio was found to exert the highest relative influence on lending behaviour of DMBs. It was therefore recommended that DMBs should prioritize the maintenance of a dynamic loan to total assets ratio. Also the Central Bank of Nigeria and other regulatory bodies should be more proactive in ensuring DMBs’ liquidity and sustainability.

查看原文本刊更多论文

银行流动性对尼日利亚存款货币银行(dmb)贷款行为的影响(2006 - 2020)

dmb及其在尼日利亚的贷款活动的相关性需要关注这些银行的流动性状况。考虑到即便是在2005年整合之后，尼日利亚银行业仍不断发生令人不快的事件，这一点尤为重要。本研究的目的是研究银行流动性对尼日利亚数字银行贷款行为的影响。采用方便抽样技术选择了12个所列DMBs。采用事后研究设计，利用2006 - 2020年抽样的DMBs的二次数据进行分析。采用描述性统计和回归分析对数据进行分析。结果显示，银行流动性显著影响银行的贷款行为。然而，我们发现贷款与总资产比率对银行贷款行为的相对影响最大。因此，建议管理银行应优先考虑维持一个动态的贷款与总资产的比率。此外，尼日利亚中央银行和其他监管机构应更加积极主动地确保dmb的流动性和可持续性。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

求助全文

约1分钟内获得全文求助全文

来源期刊

AKSU Journal of Management Sciences

自引率

0.00%

发文量