Impact On Profitability Of Commercial Bank Of Interest Rate Deregulation
(A Case Study Of Union Bank Of Nigeria)
This researcher work is a survey of an analysis of the effect of interest rate deregulation on the profitability of commercial banks. The research to work tried to find out among other objectives, the impact of deregulation of interest rate policy on the profitability of commercial bank. In carrying out the research, the regression and correlation method were use to analyze statistically to tools. The result obtained indicated from the hypothesis tested that the null hypothesis was rejected.
However, it was discovered from the findings of the research that deregulation has contributed relatively in the development of the economy thus.
It has engendered competition among bank and other institutions for deposits as well s some non – traditional activities. Saving mobilization has also been encouraged by demand and supply which determined inter4est rate.
It has also induced the bank to source for idle funds, which are sent to deficit area to encourage loans and advances .
Sanity has been encouraged in some banks as they are now beat on judicious use of their available funds and hence allocated it to the most profitable ventures.
The study also reveal that there was also increased in the economy by deregulating interest rate, it become incumbent on the side of the researcher to make the following recommendation. That the changes in the rediscount rate at any given period should be between the range of 15% and 25% depending on the monetary policy pursued or intended to be pursued.
That written the framework of the current market economy in relation to interest rate, there should be a sufficient institutional control or regulatory legislation to ensure that the very vital sector of the economy that ordinarily would not survive the economic regime of deregulation are adequately created for.
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Title page II
Approval page III
Dedication IV
Acknowledgement V
Abstract VII
CHAPTER ONE
1.0 Introduction 1
1.1 Background of the study 7
1.2 Statement of the problem 9
1.3 Objective of the study 10
1.4 Researcher Questions 11
1.5 Formulation of hypothesis 12
1.6 Significance of the study 13
1.7 Scope and Limitation of the study 14
1.8 Definition of terms 16
CHAPTER TWO
REVIEW OF RELATED LITERATURE
2.1 Definition of Interest rates 19
2.2 Structure of interest rates 22
2.3 Different Approaches to interest rate determination 31
2.4 Relationship Between profit and interest rate 35
2.5 Reasons and method of regulation 38
2.6 Effects of Regulations on Banks 45
2.7 Concept of deregulation 50
2.8 Reasons for Deregulation 52
2.9 Implications of deregulation case Against Deregulation 54
CHAPTER THREE
RESEARCH DESIGN AND METHODOLOGY
3.1 Research Design 64
3.2 Sources of Date 65
3.21 Primary Source of Date 65
3.22 Secondary Sources of Date 67
3.23 Location of Date 68
3.24 Area of Study 68
3.25 Population 69
3.26 Sample size determination and Sampling Technique69
3.27 Instruments of Data Collection 71
3.28 Data Collection 72
3.29 Data Treatment 72
CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.2 Test of Hypothesis 75
CHAPTER FIVE
SUMMARY , RECOMMENDATION AND CONCLUSION
5.1 Summary of Findings 105
5.2 Recommendations 107
5.3 Conclusion 108
Bibliography 114
Appendices
Application to Respondents sample of Questionnaire 117
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