The impact of capital adequacy on bank performance: evidence from commercial banks in nigeria
Table Of Contents
Chapter ONE
INTRODUCTION
- 1.1Introduction
- 1.2Background of Study
- 1.3Problem Statement
- 1.4Objective of Study
- 1.5Limitation of Study
- 1.6Scope of Study
- 1.7Significance of Study
- 1.8Structure of the Research
- 1.9Definition of Terms
Chapter TWO
LITERATURE REVIEW
- 2.1Overview of Capital Adequacy
- 2.2Historical Perspective of Capital Adequacy in Banking
- 2.3Regulatory Framework on Capital Adequacy
- 2.4Capital Adequacy Ratios
- 2.5Impact of Capital Adequacy on Bank Performance
- 2.6Factors Influencing Capital Adequacy
- 2.7Empirical Studies on Capital Adequacy and Bank Performance
- 2.8Capital Adequacy and Risk Management
- 2.9Capital Adequacy and Profitability
- 2.10Summary of Literature Review
Chapter THREE
RESEARCH METHODOLOGY
- 3.1Research Methodology Overview
- 3.2Research Design
- 3.3Population and Sampling Techniques
- 3.4Data Collection Methods
- 3.5Variables and Measures
- 3.6Data Analysis Techniques
- 3.7Ethical Considerations
- 3.8Limitations of Methodology
Chapter FOUR
DATA PRESENTATION AND ANALYSIS
- 4.1Overview of Data Analysis
- 4.2Descriptive Statistics
- 4.3Hypothesis Testing
- 4.4Regression Analysis
- 4.5Interpretation of Results
- 4.6Discussion of Findings
- 4.7Comparison with Existing Literature
- 4.8Managerial Implications
Chapter FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
- 5.1Summary of Findings
- 5.2Conclusion
- 5.3Recommendations for Future Research
- 5.4Practical Implications
- 5.5Contributions to Knowledge
Thesis Abstract
This paper examines the impact of capital adequacy ratio on Nigeria’s commercial banks performance after the impact of the 2008-2009 Global Financial Crash using Ordinary Least Square Methods with two models. The first model proxy bank performance with return on assets while the second with return on equity. From the descriptive statistical analysis, the mean value of capital adequacy for the study period is 14.30%, which provides evidence that Nigerian commercial banks maintain higher level of capital requirement than prescribed by IMF’s Basel agreement of 8% and CBN’s 10%. The regression results indicate that even after the Global Financial Crash, capital adequacy ratio showed evidence of strong significance at 5% level in explaining bank performance proxy by return on asset ratio. However, the second model showed a weak correlation as all the determinants were insignificant at 5% levels but had their correct economic signs. Although the variables on asset quality and liquidity risk proxy by non-performing loans ratio and liquidity ratio variables respectively were not statistically significant in explaining Nigerian banks performance. Risk management institutions like the Asset Management Company of Nigeria (AMCON) has to do more in riding the sector of toxic debts.
Thesis Overview
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