Impact of Financial System Regulation on the Stability of the Nigerian Banking Industry

Banking and Finance — 2025, Undergraduate

This study examined the impact of financial system regulation on the stability of the Nigerian banking industry. A descriptive survey was conducted with bank executives, regulators, and auditors using a structured questionnaire. Data were analysed using descriptive statistics and regression analysis. The findings revealed that capital adequacy, prudential supervision, and enforcement of governance rules significantly enhanced banking stability and public confidence. The study, however, observed regulatory gaps in addressing emerging risks and burden of compliance costs. It recommends risk-based supervision, proportionate regulation, and continuous adaptation of the regulatory framework.

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