IMPACT ON INTEREST RATE REGULATIONS ON PROFITABILITY OF COMMERCIAL BANK
Abstract
ABSTRACTS
This study examined the impact of interest rate regulations on the
profitability of deposit money banks in Nigeria between 2002 and 2022.
The time series data for this study were collected from the Central Bank
of Nigeria Statistical Bulletin and the annual reports of Nigerian Deposit
Insurance Corporation. The study employed inferential statistics by
analyzing the collected data via ordinary least square multiple regression
technique. The choice of this technique was purposive sampling
technique which the selection was made based on the knowledge of the
population, in line with the purpose of the research. Findings from this
study revealed that all the explanatory variables i.e exchange rate (ER),
Inflation rates (IFR) and Interest Rates have no significant relationships
with the Return on assets of Nigerian banks (ROA). Based on these
findings, it was concluded that that the ROA of a bank will increase by
holding all other components of interest rate regulation constant. The
study therefore recommend that Government should strive to control
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