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Research and Analytics

Commercial Banks

How to Analyze the Financial Statement of Banks

By Fawaz AyobamiPosted on Posted in Business & FinanceTagged , , , , , , 1 Comment on How to Analyze the Financial Statement of Banks

Like any other companies, financial institutions prepare financial statements for regulatory purpose and assist their users in making economic decisions. However, banks’ business models are different from other companies. Thus they attract a unique regulatory focus.

All You Need to Know about Loan to Deposit Ratio of the CBN Aimed at Banks to Lend More Money to Customers

By Abdulazeez KurangaPosted on Posted in Analytics, ArticlesTagged , , , , , No Comments on All You Need to Know about Loan to Deposit Ratio of the CBN Aimed at Banks to Lend More Money to Customers

The CBN on July 3, 2019 passed a circular to the commercial banks to mandating them to maintain a Loan to Deposit Ratio (LDR) of 60% by September 30, 2019. Failure to do so will attract an additional Cash Reserve Requirement equal to 50% of the lending shortfall of the target LDR.

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