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Dual Effect of Capital Adequacy on Bank Performance: Evidence from Profitability and Efficiency Measures in Nigerian Commercial Banks

This study examines the dual effect of capital adequacy on the performance of commercial banks in Nigeria by jointly analysing profitability and operational efficiency outcomes in Nigeria using annual time series data covering the period from 1991 to 2025. Employing an Autoregressive Distributed Lag (ARDL) modelling framework, the study utilises Return on Assets (ROA) and Cost to-Income Ratio (CIR) as proxies for bank performance, while Capital Adequacy Ratio (CAR), Tier 1 Capital Ratio (TIER1), and Capital-to-Total Assets Ratio (CTA) serve as measures of prudential capital regulation. The stu…

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from https://iiardjournals.org/get/IJBFR/VOL. 12 NO. 7 2026/Dual Effect of Capital Adequacy 100-114.pdf
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Source	OpenAlex research
Collection	International records
Kind	Document
Publisher	IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH
Date	2026-08-14
Type	article
Details	openalex authorships.countries:NG,primary topic.subfield.id:3320\|3321\|3308\|1202\|3303\|3312\|2002\|2000\|2003 + local /\bnige
Found at	https://doi.org/10.56201/ijbfr.vol.12.no7.2026.pg100.114
Archived copy	Look it up in the Wayback Machine
Record ID	`openalex:W7203483056`

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Dual Effect of Capital Adequacy on Bank Performance: Evidence from Profitability and Efficiency Measures in Nigerian Commercial Banks. OpenAlex research, 2026. Vero Archive, record openalex:W7203483056.