International records / OpenAlex research

DEPOSIT INSURANCE AND LENDING BEHAVIOUR OF LISTED DEPOSIT MONEY BANKS IN NIGERIA

Objective: The study examined the effect of deposit insurance on lending behaviour of quoted Deposit Money Banks (DMBs) in Nigeria from 2015-2023. Deposit insurance was proxied by capital adequacy ratio (CAR) and premium rates while lending behavior was proxied by loan-to-deposit ratio. Theoretical Framework: The study was underpinned by the Hands-on theory of deposit insurance. Deposit insurance is supposed to contribute to the maintenance of banking system stability as one of the safety net arrangements. Method: The data was sourced from the individual audited financial reports of the listed…