Comparative Assessment of Financial Assets and Equity on Bank Lending Rate among Deposit Money Banks in Nigeria

This paper examines the Comparative Assessment of Financial Assets and Equity on Bank Lending rate among Deposit money Banks in Nigeria. The research uses the qualitative approach to the study wherein secondary data sources like annual reports, financial statements, and related literature were used. The results indicate that adequate financial analysis can help credit risk management, and minimize the number of non-performing loans as well as to improve the loan evaluation of deposit money bank which will result in the better financial output. A set of key financial ratios, credit evaluation ratios, and lending results reveal that strategic applications of financial analysis provide the Deposit Money Bank, Nigeria with strength in its lending decisions and general profitability. For effective bank lending, this paper proposes the constant upgrading of modern financial analysis equipment and employees and equip them with capacity building. The paper would be beneficial to the literature as it seeks to shed light on the contribution of financial analysis as an important asset of risk prevention and successful lending in Nigerian banks.