GROWTH TREND OF DEPOSIT INSURANCE FUND AND RISK-ASSET INDICATORS OF DEPOSIT MONEY BANKS IN NIGERIA: A TIME SERIES ANALYSIS
GROWTH TREND OF DEPOSIT INSURANCE FUND AND RISK-ASSET INDICATORS OF DEPOSIT MONEY BANKS IN NIGERIA: A TIME SERIES ANALYSIS
Author(s): Joel Adeniyi Okewale, Adedapo Kenny Soyemi, Ebipanipre Gabriel MIESEIGHASubject(s): Economic development, Post-War period (1950 - 1989), Transformation Period (1990 - 2010), Present Times (2010 - today), Financial Markets
Published by: Univerzita J. Selyeho, Fakulta ekonómie a informatiky
Keywords: asset quality; deposit insurance fund; loans and advances; risk-assets; Nigerian Deposit Insurance Corporation;
Summary/Abstract: The growth trend of deposit insurance fund and selected risk-asset indicators of Nigerian banks was investigated using two disaggregated models. The ex-post facto design was and annual time series data obtained from the Nigerian Deposit Insurance Corporation annual reports and accounts during the period 1987-2017 was employed. Data of deposit insurance fund, total deposits of insured banks, target reserve ratio of total insured deposits, total loans and advances and asset quality. The autoregressive distributed lag estimation technique was employed to estimate the link between deposit insurance fund on the volume of loans and advances and other target reserve ratio and asset quality. Findings indicated that volume of total loans and advances were negatively and statistically significant to deposit insurance funds. It was recommended that the Nigerian banking sector should form a partnership with deposit money banks in order to diversify and efficiently minimise incidences of fraud.
Journal: Acta Oeconomica Universitatis Selye
- Issue Year: 9/2020
- Issue No: 1
- Page Range: 77-86
- Page Count: 10
- Language: English
