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COMPETITION AND EFFICIENCY OF COMMERCIAL BANKS: AN EMPIRICAL EVIDENCE FROM NIGERIA
Abstract
The study examined the relationship between competition and efficiency of commercial banks in Nigerian for the period 1990 to 2009. Secondary data were sourced from the annual reports and statement of accounts of fifteen commercial banks in Nigeria which were purposively selected for the study. The data collected were analysed using pooled least square and dynamic panel generalised method of moment estimation technique with fixed effect. The results of the analysis showed that there was a positive and significant relationship between the degree of competition and the level of efficiency of commercial banks in Nigeria with a t-value of 2.45 and p-value < 0.05. The study concluded that the reforms introduced in the banking sector in the late 80’s, raised the degree of competition and improved the level of efficiency of the Nigerian commercial banks.
Keywords
Banking, Competition, Efficiency, Dynamic Panel GMM