Papers by Achori Emmanuel

Banks are very important organizations which aid in the execution of socioeconomic activities und... more Banks are very important organizations which aid in the execution of socioeconomic activities undertaken by individuals, business organizations and even sovereign states. They serve primarily as a medium which bridges the gap between surplus and deficit units in an economy.
The theoretical rationale of this study is strong competition among banks in the banking industry and its effect on asset-liability management. If a bank is not competitive at matching duration of assets and liabilities, it is exposed to more risk. Does this make this bank more likely or less likely to focus on fee income generation? If a bank is competitive at matching duration of assets and liabilities, it is also exposed to risk. Does the bank leverage on this comparative advantage to focus even more on fee incomes, or do fee incomes become less important to the bank? These are questions to which the literature to the best of knowledge has yet to proffer an answer.
Purposive sampling method will be adopted where the twelve deposit money banks to be considered will be arrived at after computing average total assets (representing bank’s size) of the nineteen (19) banks. After this process, ranking and selecting of 4 large sized banks, 4 medium sized banks and 4 small sized banks will be selected. The model allowed for both heteroscedasticity and autocorrelation as a result the use of Ordinary Least Square (OLS) regression was employed in the estimation of the parameter of the model drawn in this research work.
Findings from the study shows Banks' asset liability management have impact on the extent to which non-interest income is a significant component of banks' aggregate performance as evidenced in ALM Ratio and Bank's size measured with total asset is not a general determinant for non-interest income.
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Papers by Achori Emmanuel
The theoretical rationale of this study is strong competition among banks in the banking industry and its effect on asset-liability management. If a bank is not competitive at matching duration of assets and liabilities, it is exposed to more risk. Does this make this bank more likely or less likely to focus on fee income generation? If a bank is competitive at matching duration of assets and liabilities, it is also exposed to risk. Does the bank leverage on this comparative advantage to focus even more on fee incomes, or do fee incomes become less important to the bank? These are questions to which the literature to the best of knowledge has yet to proffer an answer.
Purposive sampling method will be adopted where the twelve deposit money banks to be considered will be arrived at after computing average total assets (representing bank’s size) of the nineteen (19) banks. After this process, ranking and selecting of 4 large sized banks, 4 medium sized banks and 4 small sized banks will be selected. The model allowed for both heteroscedasticity and autocorrelation as a result the use of Ordinary Least Square (OLS) regression was employed in the estimation of the parameter of the model drawn in this research work.
Findings from the study shows Banks' asset liability management have impact on the extent to which non-interest income is a significant component of banks' aggregate performance as evidenced in ALM Ratio and Bank's size measured with total asset is not a general determinant for non-interest income.