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LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM

Authors: OLANREWAJU Pius

Publication Type: Journal article

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Abstract

This study investigate loans default (problems loans) and returns on assets in Nigeria employing the data of five banks for a period of five years (2010-2014), using the ordinary least squares (OLS) regression techniques to check the relationship between problem loans and returns on assets (ROA). The findings shows that a positive and significant relationship at 5% level of significance exist between problem loans and returns on assets, and a negative and significant relationship at 10% level of significance exists between loans and advances and returns on assets in Nigerian banks. A major suggestion is that banks in Nigeria should enhance their capacity in credit analysis and loan administration, while the regulatory authority should pay more attention to banksâ€™ compliance to relevant provisions of Bank and other Financial Institutions Act (1991) and prudential guidelines.

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OLANREWAJU,P. . (0000). LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM, 0 (), 0-0.

OLANREWAJU,P. . "LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM" 0, no (), (0000): 0-0.

OLANREWAJU,P. and . (0000). LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM, 0 (), pp0-0.

OLANREWAJUP, . LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM. 0000, 0 ():0-0.

OLANREWAJU,Pius , . "LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM", 0 . (0000) : 0-0.

O.Pius , "LOANS DEFAULT AND RETURN ON ASSETS (ROA) IN THE NIGERIAN BANKING SYSTEM" vol.0, no., pp. 0-0, 0000.

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