DETERMINANTS OF FINANCIAL PERFORMANCE OF LISTED PRIMARY MORTGAGE BANKS IN NIGERIA

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DETERMINANTS OF FINANCIAL PERFORMANCE OF LISTED PRIMARY MORTGAGE BANKS IN NIGERIA

Abstract
The bane of housing delivery and the development of a virile mortgage system in Nigeria has
always been that of accessing land and low-cost finance. Primary Mortgage Banks (PMBs) were
established to facilitate housing delivery in Nigeria through the institution of a private-sector
arrangement to supplant the public sector which had proved ineffective over the years in that
respect. This study examines the determinants of financial performance of listed primary mortgage
banks in Nigeria. The study employed the use of explanatory research design and secondary data
contained in the annual reports and accounts of listed PMBs for a period of ten (10) years (2004
to 2013) was used for the study. The result of the pooled Ordinary Least Square (OLS) multiple
regression analysis revealed a negative significant effect of capital adequacy and bank size on the
financial performance (return on equity) of listed PMBs in Nigeria. It also shows that liquidity is
insignificant to explain the financial performance of listed PMBs in Nigeria. It therefore
recommends that to ensure maximum return of equity holding of listed primary mortgage banks in
Nigeria, emphasis should be given to capital adequacy and bank size. This is because of the
negative but significant effect they have on the financial performance of listed PMBs in Nigeria.

TABLE OF CONTENT

Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi

CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10

CHAPTER TWO

LITERATURE REVIEW – – – – – – -11

CHAPTER THREE

Research methodology – – – – – – -39
Design of study – – – – – – – -40

CHAPTER FOUR

Presentation, analysis and interpretation of data – -48

CHAPTER FIVE

Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69

DETERMINANTS OF FINANCIAL PERFORMANCE OF LISTED PRIMARY MORTGAGE BANKS IN NIGERIA

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