International records / OpenAlex research

The Effect of Non-Interest Income on The Financial Performance of Deposit Money Banks Listed in Nigeria

Despite the rising importance of Non-Interest Income (NII) in global banking, its precise effect on financial performance remains inadequately explored within the Nigerian context. While existing studies acknowledge the stabilizing potential of NII, they often fail to evaluate how specific dimensions of bank performance— profitability, liquidity, and efficiency—have responded to variations in NII. This gap creates ambiguity about whether NII enhances core financial outcomes or simply supplements traditional income. Motivated by this gap, the study examined the effect of NII on the financial pe…