International records / OpenAlex research

Bank’s Liquidity and Stability: An Endogenous Examination

This study investigated the impact of banks’ liquidity on banks’ stability in Nigeria for the period 2004–2023. The ex-post facto research design was adopted, utilizing secondary data sourced from the annual financial reports of selected banks, the Nigeria Deposit Insurance Corporation (NDIC), and the Central Bank of Nigeria (CBN) statistical bulletins. Bank stability, measured by the Zscore, served as the dependent variable, while liquidity indicators—Cash-to-Capital Reserve (CCR), Loan-to-Deposit Ratio (LDR), and Asset-to-Government Securities (AGS)—were the independent variables. The Auto-R…