Financial Inclusion and Financial Performance of Listed Deposit Money Banks in Nigeria

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dc.contributor.authorAdewale Moses ADEYEMI
dc.date.accessioned2024-10-09T12:06:16Z
dc.date.available2024-10-09T12:06:16Z
dc.date.issued2023-12
dc.description.abstractThis study investigated the relationship between financial inclusion and financial performance of deposit money banks in Nigeria. The specific objectives were to examine the impact of rural financing on the financial performance of Deposit Money Banks (DMBs) in Nigeria; investigate the influence of pricing of banking services on the financial performance of Deposit Money Banks in Nigeria; assess how Small and Medium‐sized Enterprises’ (SMEs) financing affects the financial performance (FP) of Deposit Money Banks in Nigeria. The study employed ex-post facto and correlation research design with secondary data obtained from the Central Bank of Nigeria 2020 statistical bulletin and financial institutions of deposit money banks. The results indicated a positive and significant relationship between loans to customers, deposits by customers, bank branches, mobile banking and agency banking on return on assets of deposit money banks. The study concluded that financial inclusion positively influences the level of financial performance of deposit money banks. On the basis of the conclusion, the paper recommended amongst others that the Central Bank of Nigeria (CBN) should redefine the Loan Accessibility supply as a tool for monetary policy by establishing an equilibrium level. In addition, the study also recommends that the Interest Rate has a negative effect on the performance of deposit money banks, there is an urgent need for the government to impose restrictions on the cross-border flow of capital and also to make use of the relevant macroeconomic management tools to control Loan Accessibility in times of crisis in order to mitigate the effects of Interest Rate on the profitability of deposit money banks. This is because there is an urgent need for the government to do so because the Interest Rate has a negative effect on the financial performance of deposit money banks in the country. Keywords: Bank Deposit, Loans, Agency banking, Mobile banking, Return on assets, Financial Inclusion and Performance. Word Count: 293
dc.identifier.citationKate Turabia
dc.identifier.issnM.Sc
dc.identifier.urihttps://repository.lcu.edu.ng/handle/123456789/786
dc.language.isoen
dc.publisherLead City University, Ibadan
dc.relation.ispartofseriesM.Sc
dc.subjectBank Deposit
dc.subjectLoans
dc.subjectAgency banking
dc.subjectMobile banking
dc.subjectReturn on assets
dc.subjectFinancial Inclusion and Performance.
dc.titleFinancial Inclusion and Financial Performance of Listed Deposit Money Banks in Nigeria
dc.typeThesis

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