IJSSE - International Journal of Social Sciences and Entrepreneurship Upcoming Journals: International Journal of Innovation and Management (IJIM), International Journal of Engineering and Architecture (IJEA) & International Journal of Science and Agriculture | IJAE, IJEF & IJHRP Call for Papers - Forthcoming Issue (Decemer 2014). Submission deadline: 25th December 2014 |

No images

United States United States
Your Time

User Statistics Info
IJSSE is one of the leading International Journals by User Statistics!

Login Form

IJSSE Newsletter Form
Full Names *
E-mail Address: *
Country *
PDF Print E-mail


Dr. Suleiman A. S. Aruwa

Department of Accounting, Nasarawa State University Keffi, Nasarawa State, Nigeria

Abdullahi O. Musa

Department of Accounting, Nasarawa State University Keffi, Nasarawa State, Nigeria


This study examines the effects of the various risk components like credit risk, interest rate risk and operational risk on the financial performance of Deposit Money Banks in Nigeria. The study is spurred by the persistent cases of bank failure and lack of exhaustive research in this area in Nigeria. The study uses the whole number of banks that have existed in Nigeria from the year 1997 to 2011. The data were collected from the Nigeria Deposit Insurance commission and were analyse using descriptive statistic and ordinary least square regression. It was established that a strong relationship exist between risk components and the financial performance of the banks in Nigeria as indicates by the r-squared value of 91%. However, variables that represent credit risk and the rate of capital to total weighted risk asset have positive relationship while operational and interest rate risk affects the profitability of the banks negatively. Based on the findings it is recommended in this study that both the Deposit Money Banks diversify the management of the other components of risk like minimising frauds instead of over concentrating on credit risk, which by so doing exposes other risk. This can achieve when the Central Bank and the Deposit Money Banks intensify the implementation of existing measure to combat bank frauds.

Full Text PDF Format

Publication Disclaimer: The accountability of the article published in IJSSE journals is entirely of the author(s) concerned and not of the publisher/editor. The view expressed in the articles of any IJSSE journal is those of the contributors, and it does not essentially correspond to the views of the publisher/editor. It is responsibility of the authors to seek copyright clearance for any part of the content of the articles. The publisher/editor of IJSSE journals is not liable for errors or any consequences arising from the exercise of information contained in it.
Free counters!
IJSSE - International Journal of Social Sciences and Entrepreneurship | Copyright 2013 | All Rights Reserved  <