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Growth rate of total asset fall from The deposit drive in the period, especially from the domestic economy was poor. From the growth rate of The non performing loan of the system worsened from a more improved state of 6.

Even when this happen, it was still noticed that the non performing loan to specific sectors of the economy continues to grow steadily from Earnings and profitability should definitely decline in such a trend.

It Thesis correction eui not surprised that return on average asset fell from3. Infact, available records show that in alone, eight banks had negative profitability of the twenty that were in operation.

How did Banking Sector reforms affect Commercial banks performance in Nigeria over the period under study? In which period Pre or Post reform did Commercial banks in Nigeria performed better? The study is significant, in that, it is expected to highlight the impact of Banking Sector Reforms on banking sector development, identifying possibly the reform regime in which the economy benefited more, as well as pointing out the cost of reforms switch.

This will enable readers of interest and policy makers to know whether the sector is growing and adding value to the economy. Based on our findings, the study will proffer recommendations for policy effectiveness.

Very few studies have examined the Performance of Commercial Banks in pre and post reform periods see Ezirim and Muoghalu, This study exists to validate their position.

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Review of Empirical Literature Brownbridge in a study of the Zambian banking system found that financial policy reforms improved the resilience of the banking industry. The local and foreign banks fare comparatively better than before.

Antwi-Asare and Addison studied the performance of commercial banks in Ghana from to to ascertain the effect of financial reforms on banks using primary data obtained from banks and their clients.

Their results show mixed conclusions. For instance, while the banks revealed specific policy reforms which enhanced their performance to be interest rate liberalization, decontrol of credit allocation and removal of non-performing asset to the Non-performing Asset Recovery Trust; their clients were of the opinion that inflation and high lending rates were the most important factors impeding loan repayment after financial reforms.

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This shows the fallacy of reforms on the one hand and the role of the macro economy in successful reforms outcomes in the other. The study applied Ordinary Least Squares OLS regression technique on a generally unrestricted model where the intercepts are not restricted to be equal over time and cross-sectional units.

The study found out that both internal and external determinant of profitability is important for commercial banks. Specifically, an inflationary macroeconomic environment adds with improved interest rate structure to increase the profitability of commercial banks in Malaysia.

Overall, commercial banks fared better after reforms. Hardy and Patti evaluated the effect of banking reforms on the profitability and cost and revenue efficiencies of the banking sector from to in the Pakistani economy.

They found that the principal effect of financial market reforms seem to have been the increase in both revenues and costs, which suggest that much of benefits of the reforms was passed to the consumers as bank output and those supplying banks with inputs. The reforms did not lead to a rise in overall profitability, which was held down by a combination of rising deposits rates and intensified completion nor did it lead to a strong convergence in all aspect of efficiency.

Interest rate spread continues to widen following liberalization and their panel regression results shows that this could be as a result of high monopoly power, high reserve requirement and high inflation prevailing in the economy.

Also following the same trend is Desa He used linear regression analysis to examine the profitability of commercial banks in Malaysia for a ten year period — based on six financial variables and two macroeconomic variables.

His study suggests that all six variables of the financial sector deliver positively on commercial bank performance during the review period. Iimi examined how Pakistani banking sector efficiency can be scale-up through operational specialization and diversification and size expansion between and Applying seemingly unrelated regression SUR method and stochastic frontier analysis, he found that state owned commercial banks were large enough to obtain cost saving advantages while all other banks could scale-up their operations to obtain good economies.

However, he also found that scope economies were significant, therefore portfolio diversifications will generally increase bank profits. Fu and Heffernan investigated the effect of bank reforms on structure and performance of Chinese commercial banks from to using panel data and employing a random effects estimating procedure, they found that gradual reforms affected the structure of Chinese banking market, suggesting that new policies aimed at increasing the market concentration of most banks be pursued.

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Lin and Zhang used panel data of Chinese banks from to to examined their performance after ownership reforms and found that the reforms made banks less efficient, less profitable and no performance change ultimately.

When Burki and Naizi carried out similar investigation on Pakistani commercial banks from to using DEA, they concluded that the reforms failed to improved bank efficiency at first, but improve after a time lag.

Financial reform has certainly had a noticeable impact on the cost of intermediation: However, there is scope for even more improvements over the next years as competition enhancing measures and administrative costs reduction intervention are adopted.

The study combines both primary and secondary data sets to arrive at this conclusion.

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Shankar and Sanyal examined the impact of ownership, composition and productivity on profitability spread of commercial banks in India and found that profitable banks are more likely to have a diverse range of output to be operationally efficient and to have a high profitability spread.For all weight classes except Peewee, individual eggs are subject to a weight minimum: no egg must be so light that a dozen of the lightest would weigh less than one ounce below the minimum.

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Banking Sector Reforms have been a regular feature in the Nigerian financial system, conducted mainly to improve the performance of commercial banks on the one hand and to improve the effectiveness and efficiency of the banking system and the economy in general. Banking Sector Reforms and the Performance of Commercial Banks in Nigeria.

Uduak M. Ekong, Ubong E. Udonwa. Department of Economics, Faculty of Social Sciences, University of Uyo, Uyo, Nigeria.

Vol.7, No.3, May, Mathematical and Natural Sciences. Study on Bilinear Scheme and Application to Three-dimensional Convective Equation (Itaru Hataue and Yosuke Matsuda). Vol.7, No.3, May, Mathematical and Natural Sciences. Study on Bilinear Scheme and Application to Three-dimensional Convective Equation (Itaru .