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Nexus of bank personnel and cost-income ratio (CIR) in Nigeria

Article scientifique 2017 Anglais

Résumé

This study investigates the causal relationship between bank personnel ratio and the cost-income ratio based on performance in Nigeria for the period of 2004–2015. Secondary data collected on a cross section of 15 banks during this period was analyzed using panel unit root, cointegration and Granger causality techniques. A unit root test revealed that the variables are stationary at order one. The result further shows there is an equilibrium relationship or stability in the short and long run; furthermore, there is a bidirectional causal relationship between personnel ratio and cost-income ratio. Therefore, the study recommends that the apex bank should enforce policies in the banking sector that will minimize the unit cost of operation – even though they might hire more staff. This is to enhance the stability of the banks in Nigeria and to avoid any threat to their continuity.

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Olarewaju, O., Olarewaju, O., Oladejo, T., Migiro, S. (2017). Nexus of bank personnel and cost-income ratio (CIR) in Nigeria. https://doi.org/10.21511/bbs.12(4-1).2017.04

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Auteur(s)

Odunayo Magret Olarewaju Olusola Olawale Olarewaju Titilayo Moromoke Oladejo Stephen Oseko Migiro

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