BOARD CHARACTERISTICS AND LOAN PORTFOLIO OF DEPOSIT MONEY BANKS IN NIGERIA

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BOARD CHARACTERISTICS AND LOAN PORTFOLIO OF DEPOSIT MONEY BANKS IN NIGERIA

ABSTRACT
Banks play an important role in the development and growth of a nation’s economy. The
sector carries out the core role of financial intermediation between the surplus-spending
and deficit-spending of economic units. This study examines the relationship between the
characteristics of a bank’s board of directors and the banks’ loan portfolio of Deposit
Money Banks in Nigeria. The board of directors has the responsibility to monitor the
loan policy of the bank; therefore, the structure of the board seems likely to influence the
portfolio of loans that the bank has outstanding. The study covers the period of six years
(2005-2010), with the population of twenty-one (21) a sample of nine banks. Multiple
regression is employed as a tool of analysis on the data which are extracted from the
annual reports of the sampled banks. The result reveals that, board characteristics of
deposit money banks in Nigeria have a strong influence on their loan portfolios during
the period of study. From this, it is recommended, among others, that Nigerian deposit
money banks should have strong board characteristics, using the board dimension in
order to increase their loan portfolio.

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

BOARD CHARACTERISTICS AND LOAN PORTFOLIO OF DEPOSIT MONEY BANKS IN NIGERIA

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