N. S. Ndung’u and R. W. Ngugi, “Banking Sector Interest Rate Spreads in Kenya,” Kenya Institute for Public Policy Research and Analysis (KIPPRA), Discussion Paper No. 5, 2000.

has been cited by the following article:

• TITLE: The Determinants of Interest Rate Spreads in Nigeria: An Empirical Investigation

  AUTHORS: Anthony E. Akinlo, Babatunde Olanrewaju Owoyemi

  KEYWORDS: Interest Rate Spread; Determinants; Nigeria

  JOURNAL NAME: Modern Economy, Vol.3 No.7, November 29, 2012

  ABSTRACT: The paper examines the determinants of interest rate spreads in Nigeria using a panel of 12 commercial banks for the period 1986-2007. The results suggest that cash reserve requirements, average loans to average total deposits, remuneration to total assets and gross domestic product have positive effect on interest rate spreads. However, non-interest income to average total assets, treasury certificate and development stocks have negative relationship with interest rate spreads. In general, the findings that suggest a reduction in cash reserve ratio, high bank overhead costs amongst others will help to moderate the high interest rate spreads in Nigeria.