Determinants of selected banks' performance in the pre and post merger period: The case of Nigeria

ABSTRACT: This thesis examines the determinant of pre and post-merger period on the performance of selected commercial banks in Nigeria with more emphasis on capital adequacy, return on asset, return on equity, liquidity and efficiency. For this thesis 16 banks were selected using a more convenience and judgmental sample selection methods. Data were collected from published annual report and accounts of the selected banks were subsequently analyzed applying regression analysis through statistical package. This result shows that post-merger and acquisition era for ROA was more financially improved than post-merger period ROE after comparing pre and post. Therefore the studies recommence that banks should be more proactive in driving for profit for enhancing financial performance to reap the benefits of mergers and acquisition bid in Nigeria banking sector. This thesis suggest that bank manager should embark on regular training and re training of their staff as well as proper handling of post-merger and acquisition challenges. Government should make sure banks pay good attention to ratio such as capital adequacy because applying minimum capital adequacy ratios serves to protect depositors and promote the stability and efficiency of the financial system. Keywords: capital adequacy, liquidity, asset quality, efficiency, mergers and acquisition (M&A). …………………………………………………………………………………………………………………………………………………………………………………………………………