Publication:
Financial Intermediation in the Pre-Consolidated Banking Sector in Nigeria

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dc.contributor.authorHesse, Heiko
dc.date.accessioned2012-06-07T19:35:34Z
dc.date.available2012-06-07T19:35:34Z
dc.date.issued2007-06
dc.description.abstractThis paper uses unique bank-by-bank balance sheet and income statement information to investigate the intermediation efficiency in the Nigerian pre-consolidated banking sector during 2000-05. The author analyzes whether the Central Bank of Nigeria's policy of recent banking consolidation can be justified and rationalized by looking at the determinants of spreads. A spread decomposition and panel estimations show that the reform of the banking sector could be the first step to raise the intermediation efficiency of the Nigerian banking sector. The author finds that larger banks have enjoyed lower overhead costs, increased concentration in the banking sector has not been detrimental to the spreads, both increased holdings of liquidity and capital might have led to lower spreads in 2005, and a stable macroeconomic environment is conducive to a more efficient channeling of savings to productive investments.en
dc.identifierhttp://documents.worldbank.org/curated/en/2007/06/7745720/financial-intermediation-pre-consolidated-banking-sector-nigeria
dc.identifier.doi10.1596/1813-9450-4267
dc.identifier.urihttps://hdl.handle.net/10986/7446
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper; No. 4267
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCOUNTING
dc.subjectARBITRAGE
dc.subjectAUCTIONS
dc.subjectBAD DEBT
dc.subjectBAD DEBTS
dc.subjectBALANCE SHEET
dc.subjectBALANCE SHEETS
dc.subjectBANK ASSETS
dc.subjectBANKING CONCENTRATION
dc.subjectBANKING CRISIS
dc.subjectBANKING INDUSTRY
dc.subjectBANKING LEGISLATION
dc.subjectBANKING REGULATION
dc.subjectBANKING SECTOR
dc.subjectBANKING SUPERVISION
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBENCHMARKS
dc.subjectCAPITAL MARKETS
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCENTRAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMPETITIVENESS
dc.subjectCONSOLIDATION
dc.subjectCORRELATION ANALYSIS
dc.subjectCOUNTRY COMPARISONS
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEREGULATION
dc.subjectDEVALUATION
dc.subjectDISINTERMEDIATION
dc.subjectEARNING ASSETS
dc.subjectECONOMIES OF SCALE
dc.subjectEXCESS LIQUIDITY
dc.subjectEXCHANGE RATES
dc.subjectFINANCIAL DEREGULATION
dc.subjectFINANCIAL DISINTERMEDIATION
dc.subjectFINANCIAL INDICATORS
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LIBERALIZATION
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR REFORM
dc.subjectFOREIGN BANKS
dc.subjectFOREIGN EXCHANGE
dc.subjectGDP
dc.subjectGROWTH RATE
dc.subjectGUIDELINES
dc.subjectINCOME STATEMENTS
dc.subjectINFLATION
dc.subjectINFLATION RATE
dc.subjectINFLATION RATES
dc.subjectINTEREST INCOME
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINVESTMENT BANKS
dc.subjectLATIN AMERICAN
dc.subjectLEGAL SYSTEMS
dc.subjectLIQUID ASSETS
dc.subjectLOAN LOSS PROVISIONS
dc.subjectLOAN MARKETS
dc.subjectMARGINAL COST
dc.subjectMARGINAL COSTS
dc.subjectMERGERS
dc.subjectMORTGAGES
dc.subjectNATIONALIZATION
dc.subjectOPERATING INCOME
dc.subjectOPPORTUNITY COSTS
dc.subjectOVERHEAD COSTS
dc.subjectOVERVALUATION
dc.subjectPARENT COMPANY
dc.subjectPOLITICAL ECONOMY
dc.subjectPORTFOLIO
dc.subjectPORTFOLIO QUALITY
dc.subjectPRIVATIZATION
dc.subjectPROFIT MARGIN
dc.subjectPROFIT MARGINS
dc.subjectPROPERTY OWNERSHIP
dc.subjectRESERVE REQUIREMENT
dc.subjectRESERVE REQUIREMENTS
dc.subjectSAVINGS
dc.subjectSCALE EFFECTS
dc.subjectSPECIALIZED INVESTMENT
dc.subjectSTATE ENTERPRISES
dc.subjectSTATEMENT
dc.subjectSTRUCTURAL ADJUSTMENT
dc.subjectTAX PAYMENTS
dc.subjectTAX RATE
dc.subjectTOTAL REVENUE
dc.subjectTRADE LIBERALIZATION
dc.subjectTRANSACTION COSTS
dc.subjectTREASURY BILL
dc.subjectVOLATILITY
dc.titleFinancial Intermediation in the Pre-Consolidated Banking Sector in Nigeriaen
dspace.entity.typePublication
okr.crossref.titleFinancial Intermediation In The Pre-Consolidated Banking Sector In Nigeria
okr.date.doiregistration2025-04-10T09:39:43.394339Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2007/06/7745720/financial-intermediation-pre-consolidated-banking-sector-nigeria
okr.globalpracticeMacroeconomics and Fiscal Management
okr.globalpracticeFinance and Markets
okr.guid785541468288988450
okr.identifier.doi10.1596/1813-9450-4267
okr.identifier.externaldocumentum000016406_20070621103202
okr.identifier.internaldocumentum7745720
okr.identifier.reportWPS4267
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2007/06/21/000016406_20070621103202/Rendered/PDF/wps4267.pdfen
okr.region.administrativeAfrica
okr.region.countryNigeria
okr.topicEconomic Theory and Research
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Financial Intermediation
okr.topicMacroeconomics and Economic Growth::Investment and Investment Climate
okr.topicFinancial Crisis Management and Restructuring
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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