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BANK SPECIFIC DETERMINANTS OF CAPITAL ADEQUACY OF LISTED DEPOSIT MONEY BANKS IN NIGERIA
ABSTRACT
This study is an empirical analysis of bank specific determinants of capital adequacy of Listed Deposit Money Banks in Nigeria for the period of 2008-2015. The listed DMBs are 15 as at 31st December, 2015, out of which 14 banks were selected based on the availability of data. Specifically, the study seeks to identify the effect of Return on Asset, loan, leverage, deposits asset, loan loss provision and liquidity on the capital adequacy of listed deposit money banks in Nigeria. The study adopts Correlational and expost facto Designs and data were analyzed with the aid of Ordinary Least Square multiple regression technique using 112 firm-year panelled observations. Data were extracted from the audited annual reports and accounts of the selected banks. The study reveals that loan leverage, loan loss provision and liquidity are negative and have significant impact on the capital adequacy of listed deposit money banks at 5%, 1%, 1% and 1% level of significance respectively. The study also found out that return on asset and deposits asset have no significant impact on the capital adequacy of listed deposit money banks. The study concludes that, loan asset, leverage, loan loss provision and liquidity constitute the determinants of capital adequacy of listed deposit money banks. Therefore, it is recommended among others that the Management of Listed Deposit Money Banks in Nigeria should ensure that loan terms and repayment are strictly monitored and scrutinized by the manager in charge of loans so that the negative significance of loan asset on banks will be reversed to a positive one, debt financing (leverage) should be discouraged by increasing the amount of equity in the capital structure.
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