ANALYSIS OF FINANCIAL RATIOS FOR IMPROVING BANK PERFORMANCE IN NIGERIA
ABSTRACT
This seminar report is focused on Analysis of Financial Ratios for Improving Bank Performance in Nigeria. The study illustrated with an example the performance of Nigerian banking sector for the period 2005- 2009. Financial ratios are employed to measure the profitability, liquidity and credit quality performance of the banks. The study found that overall bank performance increased considerably in the first two years of the analysis. A significant change in trend is noticed at the onset of the global financial crisis in 2007, reaching its peak during 2008-2009. This resulted in falling profitability, low liquidity and deteriorating credit quality in the Nigerian Banking sector.
CHAPTER ONE
Introduction
1.1 An Overview Of Financial Ratios And Bank Performance
In any country, the banking sector occupies an important place in the financial system. The reasons for this are the role banks play in the development of an economy. Banks among others play the following roles in an economy. They act as intermediary between the deficit and surplus units in an economy, that is, they mobilize funds and allocate them among competing ends. Secondly, they facilitate the use of appropriate monetary policy instruments as well as make the transmission mechanism reliable and policies effective. Thirdly, the banking sector is instrumental in the pursuit of stabilization policies and in structural transformation. The main source of funds for Banks is deposits and the main application of funds is loan and investment.
In spite of this progress and successes achieved by the banking and financial institutions, it still have challenges which will require further intensive efforts on the part of these institutions. Such to enhance the quality of its products and services and diversity, and to keep pace with the rapid developments taking place in the world in this field. Banks have been attacked by the globalization, competition and volatile market dynamic pressures, (Casu et al, 2010). So banks attempt to find new method to improve their services. To understand the superior performance and struggle for it, managers and policy makers stated the major question is “What drives performance?” To address this question, researchers have focused their efforts on the operational details (Soteriou and Zenios, 2012). An important requirement, to answer this question, is the financial ratios which can be used for measuring performance. The widely used measures to assess banks’ performance are return on total assets (ROA) and return on total equity (ROE). According to Gilbert and Wheelock, (2013) these measures have been used by analysts and bank regulators in;
- Assessing industry performance
- Forecasting market structure trends (used to predict bank failures and mergers) and
- Other purposes where a profitability measure is wanted.
Over the past several years, an increased attention has been received by financial institutions (particularly commercial banks) on performance analysis. As a result, the research focuses on analysis of financial ratios for improving bank performance in Nigeria.
Even though an important and relevant information about bank’s financial performance can be provided by accounting and financial ratios, assessing the relationship among many factors that are related to bank performance such as assets, revenue, profit, market value, number of employees, investments, and customer satisfaction can assist in improving bank productivity.
CHAPTER TWO
2.0 Literature Review
2.1 Introduction
The review of relevant literature is the main topic of this chapter. A literature review covers theoretical and methodological contributions to a certain issue in addition to the state of knowledge at the time of writing. It provides information about the state of the art in relation to the subject you are writing about. It examines the body of work on the chosen subject. The literature evaluation in this study comprises the …
Procedure for Downloading the PDF (Docx) Material
Analysis of Financial Ratios for Improving Bank Performance in Nigeria can be downloaded by requesting the full set of materials at the project or seminar cost. The document will be sent via Microsoft Word (MS-Word) format via WhatsApp (e-mail) following payment confirmation.
| Seminar Material Cost ₦3,000 | Project Material Cost ₦5,000 |
Request Complete Material
 | Click here to request the Complete Material via WhatsApp including;
|
TABLE OF CONTENTSPRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Analysis of Financial Ratios for Improving Bank Performance in Nigeria" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
PRELIMINARY PAGES
- Title page
- Approval page
- Dedication
- Acknowledgement
- Table of Contents
- Abstract
INTRODUCTION
- ⋮
LITERATURE REVIEW
- 2.1 Introduction
- 2.2 Conceptual Review
- 2.3 Theoretical Framework
- ⋮
- 2.4 Empirical Studies
- 2.5 Research Gaps
- 2.6 Summary of Literature Review
CHAPTER THREE
RESEARCH METHODOLOGY
- 3.1 Introduction
- 3.2 Research Design
- 3.3 Population of Study
- 3.4 Sampling and Sampling Technique
- 3.5 Validation of Research Instrument
- 3.6 Method of Data Collection
- 3.7 Method of Data Analysis
- 3.8 Questionnaire Administration
- 3.9 Ethical Consideration
- 3.10 Statistical Analysis
CHAPTER FOUR
DATA ANALYSIS, RESULT AND DISCUSSION
- 4.1 Introduction
- 4.2 Presentation and Analysis of Data
- 4.3 Re-statement of Research Questions
- 4.4 Test of Hypotheses
- 4.5 Discussion of Findings
CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATION
- 5.1 Introduction
- 5.2 Summary of Findings
- 5.3 Conclusion
- 5.4 Recommendation
- 5.5 Suggestion for Further Study
REFERENCES
APPENDIX A - “QUESTIONNAIRE”
Disclaimer for Complete Material Utilization
The displayed research work titled "Analysis of Financial Ratios for Improving Bank Performance in Nigeria" is stated as a research guideline towards accomplishing your assigned project / seminar research work. All the research materials on this website are ONLY for research purposes and should be used as a guideline in developing your research work. For no reason should you copy word for word as projectlist.com.ng will not be liable for any who copied the material. By ordering the complete research guideline, it signifies that you've accepted our terms of service.
Frequently Asked Questions (FAQ)
Can the material for “Production of Starch From Cassava (Maihot Esculanta) and Its Cross Linked Derivatives” be used as a guide for Biochemistry Project?
Yes it can be used — The study was carried out to examine the Production of Starch from Cassava (maihot Esculanta) and Its Cross Linked Derivatives. In achieving this aim, the following specific objectives were laid out to investigate how different fermentation times influence the quality characteristics of Starch, produce Starch from cassava at controlled conditions of temperature, relative humidity and time, and monitor the fermentation time for breakdown and removal of cyanogenic compounds and cyanide. Starch can be obtained from cassava, sorghum, maize, sago and potatoes. But this project focused on the production of starch from cassava. Starch can be cross-linked a product that will be suitable for noodle, salad cream custard making. It is difficult to understand how cassava and cassava products such as …
Can the material for “The Role of Motivation on Employees’ Work Attitudes in an Organisation” be used as a guide for Business Administration and Management (BAM) Project?
Yes it can be used — The study was carried out on the role of motivation on employees’ work attitudes in an organization, based on the Akwa Ibom State Water Company as a case study. The study covered aspects of motivation, and work attitude and relationship between motivation and employee performance in Akwa Ibom State Water Company. The study was descriptive covering a systematic sample of 30 respondents drawn Akwa Ibom State Water Company employees. Data collected through structured questionnaire was analyzed using descriptive and inferential statistical tools. The study found out that the organization uses many different tools to motivate its employees. These include; provision of fringe benefits, paying bonuses to workers who put in extra effort, giving a sense of responsibility, promotion of consistently …
Can this topic “Performance Appraisal and Organizational Effectiveness” be used for Business Administration and Management (BAM) Project?
Yes it can be utilized for research — The study investigated performance appraisal and organizational effectiveness with a view to assessing the impact of performance on firm’s productivity, employees’ satisfaction and adaptability. To actualize these objectives, the study adopted the survey research design, involving the design and administration of questionnaire to respondents drawn from Nigeria Bottling Company plc Benin City. The population size consists of 100 employees of the firm while the sample size used is 70. The research relied on the primary data i.e questionnaire. Upon presenting and analysis of data, it was discovered using Chi-square test that there is a significant relationship between quality performance appraisal, organizational effectiveness, employees’ initiative and organizational effectiveness amongst others. The study concludes that performance appraisal is a critical aspect of …
Can the material for “The Implication of Privatization on Nigeria Economy” be used as a guide for Business Administration and Management (BAM) Project?
Yes it can be used — This work the implication of privatization on Nigeria economy a case study of Nigeria national petroleum corporation (NNPC) is to know how privatization will affect the economy of the country and the citizen of the country at large. Chapter one introduce the topic and should us the general background of privatization the problems associated with the subject matter the problem (s) that the study and definition of some important terms Chapter two is the literature review the origin of the subject area school of through without the subject area the school of through relevant to the problems of study different method of studying the problems and summary Chapter three is conclusion data presentation highits of the study analysis of the reference and bibliography. …
Can this topic “The Effect of Small Scale Industries on Social Economics Development” be used for Social Development Project?
Yes it can be utilized for research — The study investigates the impact of small scale industries on the Nigerian economy, spanning from 1986 to 2010. The study adoptedOrdinary Least Square (OLS) Linear Specification model. Using unit root test, the work shows that small scale industries significantly contributed to the economic growth in Nigeria despite poor funding by commercial banks. The work recommends among others that government should improve its monetary policies so as to reduce to an acceptable level, the rate of interests charged by commercial banks as well as encouraging rural based industrialization, whereby investors are encouraged to establish small and medium scale industries that would be based entirely on local raw materials, machines and equipments. …
Can the material for “Analysis of Infant Mortality Rate From 1995 to 2004” be used as a guide for Statistics Project?
Yes it can be used — We had tried to study the rates of infant mortality in Abia State. The aims of this study were to compare the mortality and birth rate of infants male and female in order to determine whether there is a significant yearly difference in their mortality and birth rate. Also, to determine whether infant mortality in Abia State in independent of sex. And furthermore to determine the future trend cases for birth and death and as well determine some preventive measures to reduce the infant's mortality. It was found that there was decrease in mortality from year 2000 to 2004 in Abia State. This is due to the aggressive government policy on the reduction of infant and maternal mortality through the pursuance …
Is the topic “Causes, Effect and Remedies on Poverty and Unemployment in Nigeria” recommended for Economics Project?
Yes it is highly recommended — The study determined the Causes, Effect and Remedies on Poverty and Unemployment in Nigeria. In achieving this aim, the following specific objectives were laid out to examine the relationship between poverty and unemployment and provide workable recommendations that can be useful to assist the reduction and elimination of poverty and in employment by policy makers. The issue of Poverty and unemployment has continued to be a core subject matter in Nigeria and other African countries alike. Human poverty is more than income poverty, it is the denial of choices and opportunities for living tolerable life poverty and plenty challenge. The research design used in this report is descriptive design, utilizing questionnaire method to obtain information from the respondents for this …
Can this topic “Influence of Class Size and Teachers’ Experience on Business Studies Students Academics Performance” be used for Education Project?
Yes it can be utilized for research — This study examine the Influence of Class Size and Teachers’ Experience on Business Education Students Academic Performance in Lagos Mainland Education District, using simple random sampling technique. Questionnaires were administered to 200 business studies students selected from five senior secondary schools in Lagos Mainland Education District in Lagos State. Combinations of parametric and non-parametric statistics were used for the test of the research questions and hypotheses. The study concludes that class size, teachers experiences are significant factors affecting students’ academic performance. Therefore, the study recommends that there is need for government to build more on teachers’ educational qualification and mastery of the subjects they are teaching, with teachers training programmes, teachers need to be equipped with the teaching strategies in order …
Is the topic “Engineering Approach to the Management and Control of Industrial Effluent” recommended for Civil Engineering Project?
Yes it is highly recommended — The study determines the Engineering Approach to the Management and Control of Industrial Effluent using Oyato Bakery in Akure as a case study. In achieving this aim, the following specific objectives were laid out to assess of the industrial waste management capability of the treatment facilities of selected industries, determine the dilution power and self- recovery ability of a purposively in Oyato Bakery in Akure after receiving industrial effluents, use an existing model to determine the ability of the selected receiving stream to recover from the environmental impacts of the industrial activities, and determine the treatability of the effluents and recommend an engineering solution to the impacts. The research analyzed the effluent discharges from all industries along the river for …
Can the material for “Impact of Environment Factors on Employee Participation in Decision Making” be used as a guide for Office Technology and Management (OTM) Project?
Yes it can be used — The study determines the Impact of Environment Factors on Employee Participation in Decision Making using Ihitte Uboma Local Government Council of Imo State as a case study. In achieving this aim, the following specific objectives were laid out to ascertain workers level of involvement in the decision making process of their work places, establish the general attitude of workers towards employee participation in management decision making, determine factors which aid or hinder the observed level of participation, and investigate the implications of environment factors on employee participation to workers and their organizations. The research design used in this report is descriptive design, utilizing questionnaire method to obtain information from the respondents for this project. Primary data were collected from the …