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Article

Capital Regulatory Policy and Non Performing Loans of Commercial Banks in Nigeria

Dr. Marshal Iwedi; Dr. Mark Bekweri Edeh; Dr. Anderson Emmanuel Oriakpono

April 24, 2023•DOI: 10.52589/AJAFR-AY3U2LYY•Volume 6 Issue 2•1,555 views

An efficient and sound financial system is crucial to enhancing sustainable economic growth in any country, as it provides a balance between those who have funds to invest and those in need of these funds. The creation of credit is a source of revenue for banks just as it makes up the majority of bank’s assets. This is however a very risky outcome, as there is the risk of insolvency if less return is earned from its credit portfolio. The interest gotten from risk assets contributes significantly to interest income of banks, and about 85% of banks total income, thus exposing banking business to credit risk. When banks are exposed to high credit risk, it could lead to loans becoming non-performing and putting banks at high risk. Thus, regulatory policies are established to enable banks and other financial institutions have enough protection when carrying out their functions. In lieu of these, this study is carried out to examine the effect of capital regulatory policies on non-performing loans of commercial banks in Nigeria. Data on a sample of 15 commercial banks quoted on the Nigerian Exchange Group as at 31st December 2021 were analyzed using the panel regression models. The results showed a positive and significant effect between capital regulatory policies and non-performing loans of commercial banks. The study also showed that banks in Nigeria were able to survive high rate of non-performing loans because they were able to take the policies set out by the regulatory bodies into consideration. Based on the findings, the study advised the need for commercial banks to strictly adhere to the capital regulatory policies of government to be able to operate efficiently and effectively in a harsh economy like Nigeria. Read more

Keywords:Capital regulatory policyNon-performing loansOperational and market riskBasel 1 Basel 2 Basel 3

Journal

African Journal of Health, Nursing and Midwifery

African Journal of Health, Nursing and Midwifery (AJHNM) is an international peer-reviewed open access journal that publishes original research in nursing, midwifery, public health, and related healthcare disciplines. The journal provides a platform for the dissemination of high-quality scholarship on healthcare delivery across homes, communities, and health systems. AJHNM welcomes contributions that advance evidence-based practice, strengthen professional education and leadership, and enhance the role of nursing and midwifery in improving health outcomes and healthcare quality.

Journal

Journal of Advanced Nursing Practice and Education

Journal of Advanced Nursing Practice and Education (JANPE) is an international peer-reviewed open access journal that publishes original research in nursing practice, nursing education, healthcare leadership, and related health disciplines. The journal provides a platform for the dissemination of high-quality scholarly work that advances clinical nursing practice, professional education, patient care, and healthcare outcomes. JANPE welcomes contributions that strengthen evidence-based nursing, promote excellence in teaching and learning, and support the development of competent, compassionate, and innovative nursing professionals across diverse healthcare settings.

Journal

Journal of Clinical Psychology and Counselling

Journal of Clinical Psychology and Counselling (JCPC) is an international peer-reviewed open access journal that publishes original research in clinical psychology, counselling, mental health, psychotherapy, and related behavioural sciences. The journal provides a platform for the dissemination of high-quality theoretical, empirical, and applied research that advances understanding of psychological wellbeing, mental health disorders, human behaviour, and therapeutic interventions. JCPC welcomes contributions that enhance evidence-based psychological practice, counselling services, mental health education, and the promotion of individual, family, and community wellbeing across diverse cultural and clinical contexts.

Journal

Journal of Creative and Performing Arts Studies

Journal of Creative and Performing Arts Studies (JCPAS) is an international peer-reviewed open access journal that publishes original research in creative arts, performing arts, visual arts, cultural studies, and related interdisciplinary humanities fields. The journal provides a platform for the dissemination of high-quality theoretical, historical, critical, and practice-based research that advances understanding of artistic expression, creative processes, performance traditions, and cultural production across diverse societies and contexts. JCPAS welcomes contributions that explore the creation, interpretation, preservation, and impact of creative and performing arts while fostering scholarly dialogue between artistic practice and academic inquiry.

Journal

Journal of Environmental Management and Policy

Journal of Environmental Management and Policy (JEMP) is an international peer-reviewed open access journal that publishes original research in environmental management, environmental policy, sustainability, natural resource governance, and related interdisciplinary fields. The journal provides a platform for the dissemination of high-quality theoretical, empirical, and applied research that advances understanding of environmental challenges and the policies, institutions, and management strategies designed to address them. JEMP welcomes contributions that support sustainable development, environmental stewardship, evidence-based policymaking, and effective management of natural and human-modified ecosystems at local, national, and global levels.

Journal

Journal of Infectious Diseases and Clinical Epidemiology

Journal of Infectious Diseases and Clinical Epidemiology (JIDCE) is an international peer-reviewed open access journal that publishes original research in infectious diseases, clinical epidemiology, public health, microbiology, and related biomedical disciplines. The journal provides a platform for the dissemination of high-quality basic, clinical, translational, and population-based research that advances understanding of infectious diseases and their impact on individuals, communities, and health systems. JIDCE welcomes contributions that enhance disease prevention, outbreak investigation, surveillance, diagnosis, treatment, and control through rigorous scientific inquiry and evidence-based approaches.

Journal

Journal of Medical Diagnostics and Laboratory Medicine

Journal of Medical Diagnostics and Laboratory Medicine (JMDLM) is an international peer-reviewed open access journal that publishes original research in medical diagnostics, laboratory medicine, clinical pathology, and related health sciences. The journal provides a platform for the dissemination of high-quality theoretical, experimental, clinical, and applied research that advances diagnostic science and laboratory practice. JMDLM welcomes contributions that improve disease detection, diagnostic accuracy, laboratory quality, clinical decision-making, and patient outcomes through innovation in diagnostic technologies, laboratory methodologies, and evidence-based practice.

Journal

Journal of Mineral Resources and Water Studies

Journal of Mineral Resources and Water Studies (JMRWS) is an international peer-reviewed open access journal that publishes original research in mineral resources, water resources, hydrogeology, environmental geoscience, and related earth and environmental science disciplines. The journal provides a platform for the dissemination of high-quality theoretical, experimental, field-based, and applied research that advances understanding of mineral and water resources and their role in sustainable development. JMRWS welcomes contributions that address resource exploration, assessment, management, conservation, and governance while promoting environmentally responsible and socially sustainable approaches to resource utilization.

Journal

Journal of Nutrition Dietetics and Food Health

Journal of Nutrition, Dietetics and Food Health (JNDFH) is an international peer-reviewed open access journal that publishes original research in nutrition, dietetics, food science, public health nutrition, and related health disciplines. The journal provides a platform for the dissemination of high-quality theoretical, clinical, epidemiological, and applied research that advances understanding of the relationships among diet, nutrition, food systems, and human health. JNDFH welcomes contributions that promote evidence-based nutritional practice, improve dietary health outcomes, and address contemporary challenges related to food security, nutrition, disease prevention, and wellbeing across diverse populations.

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