COMPARATIVE ANALLYSIS OF EFFICIENT PERFORMANCE OF CONVENTIONAL AND NON-CONVERTIONAL BANKS IN NIGERIA 2012-2018

Abstract

This study investigated the efficient financial performance of conventional bank and non-conventional bank in Nigeria.The study adopted ex-post factor research design. The population of this study comprised of one non-conventional bank (Jaiz Bank) in Nigeria and one conventional bank (GTB) in Nigeria. The study utilized secondary data which was obtained from the financial statement of Jaiz Bank and GTB in Nigeria.  The data collected for this study was analyzed using T-test to test the efficiency of the financial performance of the conventional banks and non-conventional bank in Nigeria. The study found that there is a significant different of efficiency ratio such as asset utilization ratio (AU), income expense ratio (IER) and operating efficiency ratio (OER) between non-conventional bank (Jaiz Bank) and conventional banks (GTB)  in Nigeria. The result shows that GTB has higher mean score on AU and OER while Jaiz bank has higher mean score on IER. This implied that GTB is more efficient compared to Jaiz bank in Nigeria.