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ABSTRACT
The empirically examined the impact of bank loans and lending rates on deposit money banks performance in Nigeria over the period 1986 to 2021 (36 years). The objectives of the study were to find out whether bank loans, lending rate bank assets and bank deposits have significant impact on deposit money banks performance. Thus, the Autoregressive Distributed Lags (ARDL) technique was employed in the analysis of data, and the results obtained therefrom indicate that bank loans (BLNS) has a weak impact on deposit money banks performance in the short run; but in the long run, it was a significant determinant of deposit money banks performance. Bank assets (BAS) has a significant negative impact on deposit money bank performance in the short run, but in the long run, its impact was weak; lending rate (LDR) has a weak positive relationship with DMBs performance; while bank deposit (BDP) has a strong positive impact on deposit money banks performance in Nigeria both in the short run and in the long run. The study therefore recommends that, management and policy makers should formulate effective policy that will not only enhance growth in bank’s assets but will also ensure that assets are judiciously utilized on profitable investments that will in turn be beneficial to deposit money banks in the long run.
