IMPACT OF INTEREST RATE DEREGULATION ON THE PROFITABILITY OF COMMERCIAL BANKS

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IMPACT OF INTEREST RATE DEREGULATION ON THE PROFITABILITY OF COMMERCIAL BANKS (A CASE STUDY OF UNION BANK OF NIGERIA)

ABSTRACT

This researcher work is a survey of an analysis of the impact of interest rate deregulation on the profitability of commercial banks. The research to work tried to find out among other objectives, the impact of deregulation of interest rate policy on the profitability of commercial bank. In carrying out the research, the regression and correlation method were use to analyze statistically to tools. The result obtained indicated from the hypothesis tested that the null hypothesis was rejected. However, it was discovered from the findings of the research that deregulation has contributed relatively in the development of the economy thus. It has engendered competition among bank and other institutions for deposits as well s some non – traditional activities. Saving mobilization has also been encouraged by demand and supply which determined inter4est rate. It has also induced the bank to source for idle funds, which are sent to deficit area to encourage loans and advances. Sanity has been encouraged in some banks as they are now beat on judicious use of their available funds and hence allocated it to the most profitable ventures. The study also reveal that there was also increased in the economy by deregulating interest rate, it become incumbent on the side of the researcher to make the following recommendation. That the changes in the rediscount rate at any given period should be between the range of 15% and 25% depending on the monetary policy pursued or intended to be pursued. That written the framework of the current market economy in relation to interest rate, there should be a sufficient institutional control or regulatory legislation to ensure that the very vital sector of the economy that ordinarily would not survive the economic regime of deregulation are adequately created for.

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