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IMPACT OF CAPITAL ADEQUACY ON THE FINANCIAL PERFORMANCE OF QUOTED DEPOSIT MONEY BANKS IN NIGERIA
Abstract
The study examines the impact of capital adequacy on the financial performance in term of profitability and saving mobilization of quoted banks in Nigeria. Data was collected from the Nigerian Deposits Insurance Corporation (NDIC) for the period spanning through 1997-2011. Ordinary least square method of regression was used on time series data and found insignificant impact of capital adequacy on financial performance. Thus the study concludes that financial performance is not majorly influenced by capital adequacy. This informs the study to recommend for pragmatic changes in bank regulatory focus, improved corporate governance, personnel training and stable polity for ensuring sound financial health for the Nigerian banking sector.
Key Words: Capital Adequacy, Profitability, Savings Mobilization, Nigeria.