Full Project – NIGERIAN BANKS EFFICIENCY PERFORMANCE

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ABSTRACT

This study investigated the Nigerian Banks’ Efficiency Performance. The period studied was 2005-2009.In addition to the  above,  the extent of the effect of the bank’s fixed assets,
operating expenses and total deposit on  their efficiency was investigated. The effect of  the bank’s efficiency on their profitability was also examined. In recent years  emphasis is now on
using frontier analysis methods in measuring bank efficiency instead of using financial ratios. In frontier analysis, the institutions that perform better relative to a particular  standard are
separated from those that perform poorly. Such separation is done either by applying a
parametric or non parametric frontier analysis to firms within the financial services
industry.This study employed the   Non parametric Data Envelopment Analysis (DEA)under
the assumptions of Constant return to scale (CRS),Variable Return to Scale (VRS) and Scale
Efficiency(SE) to estimate the efficiency scores of the banks .A bank with a score of 1 is
efficient, while a score below 1 means the bank is inefficient. The tests of the four hypotheses
were carried out using Vector autoregressive Analysis (VAR).  The findings of the study
revealed that GTB was the most efficient bank and it has the least reduction in inputs (4.93%)
needed to produce the same amount of output. Moreover it remained efficient throughout the
years 2006-2009.Overall, the worst performers are Unity bank, Afribank and UBA. Also the
banks did not achieve full efficiency under the CRS, VRS and SE in any of the five years. The
findings on the hypothesis tested revealed that fixed assets have a negative relationship with
efficiency, operating expenses has no long run relationship with the efficiency variable and
total deposit does not affect efficiency. Lastly, efficiency has a positive significant relationship
with profitability. This study therefore recommend that the banks that are not efficient should
study the operations of GTB the best performer to see if could be adopted to improve their
efficiency and the banks should moderate their use of inputs as they could have used fewer
amount of inputs to achieve the same level of output. Finally, the acquisition of fixed assets
should be reasonable. This is to prevent it from reaching a point where it will impact
negatively on the bank’s efficiency. 

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