A Comparative Performance Evaluation of the Nigerian Banking Sector in the Post – 2005 Consolidation: Through the Camel Rating System

Banking in Nigeria has undergone remarkable changes since 2005 bank consolidation. The era of arm chair

banking has gone. It has become a different ball game in terms of competition and its inherent strategies. This

transition eventually brings the Nigerian banks to be in need of capital, asset creation, earnings, liquidity and the

management to manage the risk exposure of the aforementioned. In this era of banking, customers must know and

understand their banks so that they can differentiate between the degrees of performing and non-performing

banks. In this context, the present study evaluates and compares the performance of the Nigerian banks in the

post – 2005 consolidation: through the CAMEL rating system. Moreover, the Nigerian banks are ranked based on

their performance. The ranking result can be used to analyse the strengths and weaknesses of a bank compared to its competitors.

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