International records / OpenAlex research

Exploring the Maturity Transformation Upside Potentials and Performance of Deposit Money Banking in Nigeria

This study evaluated the upside potentials inherent in maturity transformation and its impact on the performance of Deposit Money Banks (DMBs) in Nigeria. Maturity transformation, defined as the process by which banks convert short-term deposits into long-term loans and investments, remains central to financial intermediation and profitability. However, it exposes banks to credit, liquidity and interest rate risks, particularly within volatile macroeconomic environments. The study used data from the Nigerian Deposit Insurance Corporation where credit risk proxied by non-performing loan to tota…