THE IMPACT OF FINANCIAL DEREGULATION ON THE BANKING SYSTEM IN NIGERIA: 1989 - 1996

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dc.contributor.authorAHMAD, USMAN ALTINE
dc.date.accessioned2014-03-31T11:53:09Z
dc.date.available2014-03-31T11:53:09Z
dc.date.issued1999-10
dc.descriptionBEING A THESIS SUBMITTED TO THE POSTGRADUATE SCHOOL, AHMADU BELLO UNIVERSITY, ZARIA, IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF MASTER OF SCIENCE DEGREE IN ACCOUNTING AND FINANCEen_US
dc.description.abstractThe banking industry in Nigeria came under the sway of market oriented policies in 1987 via the so-called policy of' Financial Deregulation' . A policy that ushered in a new monetary control regime - an indirect monetary regime. The impact of Deregulation manifested in different forms , some in dramatic fashion . Of great importance was that the policy later triggered shocks that proved devastating for the banking system . There was widespread financial distress which culminated in unprecedented number of bank failures , whose costs to depositors and regulators were estimated in billions of Naira . What went wrong with Deregulation ? This study examines the impact of the policy on performance of commercial banks using the Model CAMEL (capital, assets , management ,earnings ,and liabilities). A sample was drawn from the list of licensed commercial banks using a stratified random sampling approach. Appropriate ratio proxies were employed to examine aspects spelt out in the model. Behavior practices by the different bank size categories were also examined. The study reveals that the banking system assumed high credit risk without commensurate returns and consequently accumulated huge non-performing assets, both profitability and operational efficiency were generally low in the period, but there was a tend towards credit expansion especially as the policy triggered shocks. On the overall, the huge non-performing loans proved to be the main cause of the widespread distress that plagued the banking sector.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/4526
dc.language.isoenen_US
dc.subjectIMPACT,en_US
dc.subjectFINANCIAL DEREGULATION,en_US
dc.subjectBANKING SYSTEM,en_US
dc.subjectNIGERIA: 1989 - 1996en_US
dc.titleTHE IMPACT OF FINANCIAL DEREGULATION ON THE BANKING SYSTEM IN NIGERIA: 1989 - 1996en_US
dc.typeThesisen_US
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