Titilayo Moromoke Oladejo
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Nexus of bank personnel and cost-income ratio (CIR) in Nigeria
Odunayo Olarewaju , Olusola Olawale Olarewaju , Titilayo Moromoke Oladejo , Stephen Oseko Migiro doi: http://dx.doi.org/10.21511/bbs.12(4-1).2017.04Banks and Bank Systems Volume 12, 2017 Issue #4 pp. 154-162
Views: 1108 Downloads: 210 TO CITE АНОТАЦІЯThis study investigates the causal relationship between bank personnel ratio and the cost-income ratio based on performance in Nigeria for the period of 2004–2015. Secondary data collected on a cross section of 15 banks during this period was analyzed using panel unit root, cointegration and Granger causality techniques. A unit root test revealed that the variables are stationary at order one. The result further shows there is an equilibrium relationship or stability in the short and long run; furthermore, there is a bidirectional causal relationship between personnel ratio and cost-income ratio. Therefore, the study recommends that the apex bank should enforce policies in the banking sector that will minimize the unit cost of operation – even though they might hire more staff. This is to enhance the stability of the banks in Nigeria and to avoid any threat to their continuity.
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