Tag Archives: Deposit

Effects of Financial Innovations on the Profitability of Deposit Money Banks in Nigeria (Published)

This study examined the effects of financial innovation on the profitability of deposit money banks in Nigeria. the general purpose of the study was to examine the effect of financial innovation on the profitability while the specific objectives was to examine the effect of  automated teller machine, electronic fund transfer,  internet banking, mobile banking and investment on information  communication technology on return on equity of deposit money banks.   The study formulated four hypotheses and used panel data regression to analyze the secondary data extracted from the annual reports and accounts of the fourteen firms for the period 2009 to 2017. Return on equity was the dependent variables while automated teller machine, electronic fund transfer, internet banking, mobile banking and investment on information communication technology on return were the independent variables. Findings of the study revealed that automated teller machine and electronic fund transfer have negative relationship with return on equity while    internet banking, mobile banking and investment on information communication technology have positive relationship with return on equity. The study recommends that deposit money   banks should adopt financial innovations, deposit money banks invest in technological innovations and banks should transform banking service by adapting to mobile banking and agency banking so that not only to providing jobs but also increase market share.

Keywords: Banks’, Deposit, Money, Nigeria, Profitability, financial innovations

Impacting Deposit Service Quality on Customers’ Satisfaction: A Case of Bidv in Can Tho (Published)

Saving deposits have a very important meaning to the bank because it is the basis for the bank to bring profits through investments, loans, reserves… Therefore, it is important for commercial banks to ensure maximum customer satisfaction with the services that the bank provides. The study objective is to find out the determinants affecting the deposit service quality of Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) in Can Tho City. The researchers surveyed 350 customers using deposit services of BIDV answered 28 questions but 331 customers processed. The primary sources of data collected from July 2018 to April 2019 in Can Tho City. Simple random sampling technique. The Data analyzed Cronbach’s Alpha and the exploratory factor analysis (EFA), which used for multiple linear regression and using partial least squares method. Customers’ responses measured through an adapted questionnaire on a 5-point Likert scale. In addition, the findings of the study have six factors affecting the deposit service quality of BIDV in Can Tho city with significance level 0.05.

Keywords: Customer, Deposit, Quality, Service, satisfaction and TDU

International Standard for Publishing and Legal Deposit Compliance (Published)

This paper started by encouraging participants to pour creative ideas in writing and publishing, acquiring ISBN/ISSN for easy access and depositing same for posterity.  It goes on to examine the developmental stages of ISBN/ISSN and legal deposit.  It discusses the benefits of ISBN/ISSN and legal deposit to librarians and those in the publishing business, it evaluates the level of compliance and concludes that, though many publishers do comply there is still a lot to be done by the National Library and the publishers.  It recommends that National Library should organise more seminars and workshops to educate publishers and sensitise them on the importance of ISBN/ISSN and legal deposit, that legal deposit nothing should be tied to the issuance of ISBN/ISSN, to enforce compliance.

Keywords: Compliance, Deposit, International, Legal, Standard, publishing

Interactions between Deposit Money Banks Business and the Nigerian Economy (Published)

The major objective of this study is to examine the impact of commercial banks operations on the economic growth and development of Nigeria for the period (1980-2014). The study specifically examined the impact of private sector credit, deposit mobilization, interest rate spread and commercial bank holding of treasury bills on the growth of the Nigerian economy. The ex-post facto and exploratory designs were adopted and secondary data were sourced from the CBN statistical bulletin and collected using desk survey. Error correction mechanism was employed to assess the impact of private sector credit, deposit mobilization, interest rate spread and commercial bank holding of treasury bills on the growth of the Nigerian economy. Our result revealed that there is a positive and significant relationship between private sector credit, commercial bank deposit mobilization, interest rate spread and the development of the Nigerian economy; while there is no significant relationship between deposit money bank holding of treasury bills and the development of the Nigerian economy. Based on these findings, it is recommended that government and other monetary authorities should use selective credit control measures in order to persuade banks to grant more loan and advances to the private sectors which are the engine of economic growth in Nigeria. Efforts should be made by government to regulate the interest rate charged by banks on lending to businesses in Nigeria and finally, the holding of treasury bills by commercial banks should be reduced to enhance the ability to lend to the public for productive purposes

Keywords: Deposit, Money, Nigerian Economy, banks business

Effect of Bank Specific Factors on Bank Loan Performance in Nepal (Published)

This study examines the effect of bank specific factors on loan performance of commercial banks in Nepal. Bank size, capital, deposit, liquidity ratio and lending interest rate are taken as bank specific factors. The study has conducted correlation and regression analysis using panel data of twenty four commercial banks during the period of 1996 -2017. The empirical results show that bank size, capital and deposit have positive impact on bank lending. Hence, commercial bank willing to increase lending should increase its capital, even more than regulatory standard. Further banks willing to lend more should expand their total assets and deposit. Liquidity ratio and interest rate have negative impact on bank lending. Thus, commercial banks willing to increase bank lending, should be careful in maintaining minimum liquidity requirement and interest rate fluctuation. Central bank willing to increase bank lending to productive sector should encourage banks to decline their lending interest rate.

Keywords: Bank Lending, Capital, Deposit, Interest Rate, Liquidity Ratio, Regression, Size