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Full-Text Articles in Social and Behavioral Sciences

Profitability Of South Dakota's Commercial Banks, C. Lamberton Dec 1995

Profitability Of South Dakota's Commercial Banks, C. Lamberton

Economics Staff Paper Series

Over the recent seven year business cycle of 1988-94, South Dakota banks have seen their profitability improve significantly. This has contributed to a strengthening of the banks in the state and in their ability to meet the financial needs of their customers and communities. The data in this report show that while bank earnings have been strong, the gains have not been distributed evenly across banks of all sizes. The data also demonstrate the related differences in loan portfolios among the banks of varying size. This report describes the improved profitability, the sources of the improved profits, and the distribution …


Central Bank Of Nigeria Statistical Bulletin, December 1995, Central Bank Of Nigeria Dec 1995

Central Bank Of Nigeria Statistical Bulletin, December 1995, Central Bank Of Nigeria

CBN Statistical Bulletin

Financial data is compiled from balance sheets and financial statements, which are primarily designed for legal and administrative purposes rather than economic analysis. The Finance and Accounts Department prepares the CBN accounting balance sheet data for the Research Department, using the monthly return of Assets and Liabilities and the summary trial balance as benchmarks. The Financial Statistics Office compiles the analytical CBN balance sheet without major reclassifications or rearrangements. The consolidation of accounts of monetary authorities and deposit money banks produces monetary survey accounts. Deposit money banks are highly prone to volatility and fragility, making them subject to regulations and …


Monetary And Banking Policies In The 1995 Federal Government Budget., M. O. Ojo Mar 1995

Monetary And Banking Policies In The 1995 Federal Government Budget., M. O. Ojo

Bullion

The focus of this paper is on the role of monetary policy in the budget. It outlined and analyse the monetary programme which forms part of the macroeconomies policy framework of the Budget.


The Conduct Of Monetary And Banking Policies By The Central Bank Of Nigeria, V. A. Odozi Mar 1995

The Conduct Of Monetary And Banking Policies By The Central Bank Of Nigeria, V. A. Odozi

Economic and Financial Review

Monetary and banking policies are usually the responsibilities of the Monetary Authorities which comprise the Central Bank and the Central Government. In Nigeria, while the Central Bank exercises primary responsibilities for initiating, articulating, implementing and appraising such policies, the Bank's proposals are subject to the approval of the Federal Government. To facilitate the understanding of the conduct of monetary and banking policies by the CBN, it is necessary to articulate the theoretical framework of monetary policy, the CBN-monetary management techniques, as well as the policy measures adopted since 1986 to reform and strengthen -the banking system.


Eradication Of Banking Malpractices In Nigeria: Will Law Alone Succeed?, I. Joe Goldface-Irokalibe Mar 1995

Eradication Of Banking Malpractices In Nigeria: Will Law Alone Succeed?, I. Joe Goldface-Irokalibe

Economic and Financial Review

The place of banks in the economic life of any nation is so strategic that every effort is made by the appropriate national authorities to regulate and effectively supervise banking business. This objective is often achieved through the mechanism of laws designed to purge the banking system of diverse frauds, and malpractices. This paper presents a general compendium of the socio-economic, as well as the cultural background that foster and sustain banking frauds and diverse malpractices in Nigeria. This is followed by an analysis of the various types of malpractices prevalent in the banking system, among which are malpractices by …