Determinants Of Interest Rates In Nigeria

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Determinants Of Interest Rates In Nigeria

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Author : Louis N. Chete
language : en
Publisher:
Release Date : 2006

Determinants Of Interest Rates In Nigeria written by Louis N. Chete and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Interest rates categories.

Interest Rates In Nigeria

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Author : Ikechukwu Anthony Acha
language : en
Publisher:
Release Date : 2016

Interest Rates In Nigeria written by Ikechukwu Anthony Acha and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.

This paper set out to examine the implications of interest rate for savings and investment in Nigeria. It used data obtained from the Central Bank of Nigeria (CBN). Data were analyzed using Pearson's Correlation Coefficient and regression. Evidence showed interest rate as a poor determinant of savings and investment indicating that bank loans are mostly not used for productive purposes. Therefore, bank loans should be channeled to productive investments if interest is to play its catalytic role in the Nigerian economy.

Macroeconomic Determinants Of Private Savings In Nigeria

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Author : Louis N. Chete
language : en
Publisher:
Release Date : 1999

Macroeconomic Determinants Of Private Savings In Nigeria written by Louis N. Chete and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with Saving and investment categories.

Interest Rate Spreads In The Eastern Caribbean

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Author : Mrs.Ruby Randall
language : en
Publisher: International Monetary Fund
Release Date : 1998-04-01

Interest Rate Spreads In The Eastern Caribbean written by Mrs.Ruby Randall and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998-04-01 with Business & Economics categories.

This paper examines interest rate spreads in the Eastern Caribbean and seeks to explain why they are persistently high by comparison with other low-inflation countries. The paper concludes that operating costs appear to be a key determinant of observed interest rate spreads, giving rise to the policy recommendation that efforts to expand the market size of efficient banks might help pave the way for greater efficiency.

Determinants Of Commercial Bank Interest Margins And Profitability

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Author : Asl? Demirgüç-Kunt
language : en
Publisher: World Bank Publications
Release Date : 1998

Determinants Of Commercial Bank Interest Margins And Profitability written by Asl? Demirgüç-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Bancos comerciales categories.

March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.

Negative Interest Rates

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Author : Luís Brandão Marques
language : en
Publisher: International Monetary Fund
Release Date : 2021-03-03

Negative Interest Rates written by Luís Brandão Marques and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-03-03 with Business & Economics categories.

This paper focuses on negative interest rate policies and covers a broad range of its effects, with a detailed discussion of findings in the academic literature and of broader country experiences.

Forecasting Economic Time Series

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Author : C. W. J. Granger
language : en
Publisher: Academic Press
Release Date : 2014-05-10

Forecasting Economic Time Series written by C. W. J. Granger and has been published by Academic Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-05-10 with Business & Economics categories.

Economic Theory, Econometrics, and Mathematical Economics, Second Edition: Forecasting Economic Time Series presents the developments in time series analysis and forecasting theory and practice. This book discusses the application of time series procedures in mainstream economic theory and econometric model building. Organized into 10 chapters, this edition begins with an overview of the problem of dealing with time series possessing a deterministic seasonal component. This text then provides a description of time series in terms of models known as the time-domain approach. Other chapters consider an alternative approach, known as spectral or frequency-domain analysis, that often provides useful insights into the properties of a series. This book discusses as well a unified approach to the fitting of linear models to a given time series. The final chapter deals with the main advantage of having a Gaussian series wherein the optimal single series, least-squares forecast will be a linear forecast. This book is a valuable resource for economists.

Determinants Of Financial Development

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Author : Y. Huang
language : en
Publisher: Springer
Release Date : 2010-11-24

Determinants Of Financial Development written by Y. Huang and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-11-24 with Business & Economics categories.

A PDF version of this book is available for free in open access via the OAPEN Library platform, www.oapen.org. This book examines the emergence of both financial markets and carbon markets, and provides an in-depth investigation on the fundamental determinants of financial development.

Financial Sector Reforms Macroeconomic Instability And The Order Of Economic Liberalization

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Author : Sylvanus I. Ikhide
language : en
Publisher:
Release Date : 2001

Financial Sector Reforms Macroeconomic Instability And The Order Of Economic Liberalization written by Sylvanus I. Ikhide and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Business cycles categories.

Lebanon Determinants Of Commercial Bank Deposits In A Regional Financial Center

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Author : Mr.Harald Finger
language : en
Publisher: International Monetary Fund
Release Date : 2009-09-01

Lebanon Determinants Of Commercial Bank Deposits In A Regional Financial Center written by Mr.Harald Finger and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-09-01 with Business & Economics categories.

This paper empirically examines the demand for commercial bank deposits in Lebanon, a regional financial center. With Lebanon's high fiscal deficits financed largely by domestic commercial banks that rely on deposit funding, deposit growth is a key variable to assess government financing conditions. At the macro level, we find that domestic factors such as economic activity, prices, and the interest differential between the Lebanese pound and the U.S. dollar are significant in explaining deposit demand, as are external factors such as advanced economy economic and financial conditions and variables proxying the availability of funds from the Gulf. Impulse response functions and variance decomposition analyses underscore the relative importance of the external variables. At the micro level, we find that in addition, bank-specific variables, such as the perceived riskiness of individual banks, their liquidity buffers, loan exposure, and interest margins, bear a significant influence on the demand for deposits.