Financial Performance Evaluation of the Nigeria Deposit Money Banks

Description

– Financial Performance Evaluation of the Nigeria Deposit Money Banks –

Download Financial Performance Evaluation of the Nigeria Deposit Money Banks. Students who are writing their projects can get this material to aid their research work.

Abstract

Money Banks are the backbone of the economy of any country. They are the institutions specifically designed to further the capital formation process through the attraction of deposits and the extension of credit ( Dhanuskodi, Thangavelu, Venkatachalam & Sudalaimuthn, 2007).

Despite these important roles, deposit money banks are exposed to financial risks among many other risks. Financial risks reflect possibility of loss associated with liquidity, capital adequacy, credit, profitability and market.

These risks, if not properly identified, evaluated, monitored and controlled could jeopardize a bank’s operations or undermine its financial conditions.

In extreme cases, it could lead to a distressed or failed bank with its ripple effects on all bank stakeholders such as loss of deposits, investments, employment, credibility by depositors, shareholders, banks staff, and bank regulators, examiners, supervisors and auditors respectively.

Project uses growth models, capital adequacy model, assets quality models, earnings quality models, liquidity models, charts and tables to analyze and evaluate the trend and comparative financial performance of Oceanic Bank International Plc, First Bank Plc and Access Bank Plc for the financial periods spanning 2003 to 2007.

Based on the results of the analytical models applied on the ratio type of data collected from the case studied banks, it is discovered that the three reviewed banks are well capitalized.

Introduction

1.1 Background of the Study

Deposit Money Banks are the backbone of the economy of any country. They are the determinant factors to bring the development of the country;

They serve as bridges between savings and investments. xiv Furthermore, deposit money bank are the institutions specifically designed to further the capital formation process through the attraction of deposits and the extension of credit (see Dhanuskodi, Thangavelu, Venkatachalam & Sudalaimuthn, 2007:2).

Salvage (1979), Kanu (2005), Adekanye (1986), Ekezie (1997) and Rose & Hudgins (2008); highlight the important roles of deposit money banks to include: acceptance of deposits, granting of credit facilities,

financing foreign transactions, offering of trust services, discounting services, financing e-commerce, safe keeping of valuables, managing investments, implementation of monetary policies and foreign reserve management.

Despite these important roles, deposit money banks are exposed to a wide array of risks: financial operations, business and events risks (see figure below).

Financial risks reflect possibility of loss associated with liquidity, capital adequacy, credit, profitability and market. While operational risks reflect uncertainty of earnings due to failures in computer systems, management errors, and employee misconduct.

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