@incollection{,
	
					
					
					E589368EDE74AACA86D62F66B18D0D30
				,
	author={{NewmanEnyioko} and {Medonice Management and Research Consulting Company Nigeria Limited.}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}12212329
}

@incollection{b0,
	
	
		,
	title={{The Effects of Megamergers on Efficiency and Prices: Evidence from a Bank Profit Function}}
		,
	author={{
			JalaiDAkhavein
		} and {
			NAllen
		} and {
			DavidBerger
		} and {
			Humphrey
		}}
		
		
		
	
	
		,
	journal={{Review of Industrial Organization}}
		
			12
			,
	year={1997}
		
	

}

@incollection{b1,
	
	
		,
	title={{Interest rate and efficiency in the financial sector; A review of international evidence}}
		,
	author={{
			DAmel
		} and {
			CBarnes
		} and {
			FPanetta
		} and {
			CSalleo
		}}
		
		
		
	
	
		,
	journal={{Journal of banking and Finance}}
		
			10
			,
	year={2002}
		
	

}

@incollection{b2,
	
	
		,
	title={{The Interest rate of the financial services Industry : Causes, Consequences, and implications for the future}}
		,
	author={{
			ANBerger
		} and {
			RSDemsetz
		} and {
			PEStrahan
		}}
		
		
	
	
		,
	journal={{Journal of Banking and Finance}}
		
			23
			
			,
	year={1999}
		
	

}

@incollection{b3,
	
	
		,
	title={{The Efficiency Effects of Bank Mergers and Acquisition: A Preliminary Look at the 1990s Data}}
		,
	author={{
			NBerger
		} and {
			Allen
		}}
		
	
	
		,
	booktitle={{Bank Mergers & Acquisitions}}
				
			,
	year={1998}
		
	

}

@incollection{b4,
	
	
		,
	title={{Guidelines and Incentives on Interest rate in The Nigeria Banking Industry}}
		,
	author={{
			Cbn
		}}
	
	
		,
	booktitle={{Press release -April 11, 2005 on Banking Sector Interest rate: Special Incentive to Encourage Weaker Banks}}
				
			,
	year={2005}
		
	

}

@book{b5,
	
	
		,
	title={{Central Bank of Nigeria Statistical Publication}}
		,
	author={{
			Cbn
		}}
		
			,
	year={2006}
		
	

}

@book{b6,
	
	
		,
	title={{The Impact of Bank Interest rate on Small Business Credit Availability}}
		,
	author={{
			StevenGCraig
		} and {
			PaulineHardee
		}}
		
		
			,
	year={2004. September}
		
		
			University of Missouri
		
	

}

@book{b7,
	
	
		,
	author={{
			TohmatsuDeloitte Touche
		}}
		,
	title={{The changing banking landscape in Asia Pacific: A Report on bank Interest rate}}
				
			,
	year={2005. September}
		
	

}

@incollection{b8,
	
	
		,
	title={{New View of Bank Interest rate}}
		,
	author={{
			Fred;Furlong
		} and {
			SMGoldfeld
		} and {
			LVChandler
		}}
		
		
	
	
		,
	journal={{FRBSF Economic Letter}}
		
			11
			
			,
	year={1998. July 24. 1981}
			,
	publisher={Harper International Edition Harper & Row Publisher}
		
	
	,
	note={Economics of Money and Banking. Eight Edition}

}

@book{b9,
	
	
		,
	title={{The Dollars and Sense of Interest rate" Working Study No. 98-100}}
		,
	author={{
			JPHughes
		} and {
			WLang
		} and {
			LJMester
		} and {
			CGMoon
		}}
		
		
		
		
			,
	year={1998}
			,
	address={Federal Reserve Bank of Philadelphia}
		
	

}

@book{b10,
	
	
		,
	title={{Leverage, Productivty and Firm Growth in Nigeria Banking Industry}}
		,
	author={{
			MegginsonWilliam
		} and {
			L
		}}
		
		
			,
	year={2005. September}
			,
	publisher={Elsevier B.V}
		
	
	,
	note={Published by}

}

@incollection{b11,
	
	
		,
	title={{Effects of bank interest rate promotion Policy: Evaluating the Bank Law in 1927 Japan}}
		,
	author={{
			MichiruSawada
		} and {
			TetsujiOkazaki
		}}
		
	
	
		,
	booktitle={{Trade and Industry (RIETI) at the NBER Japan Project Meeting September}}
				Tokyo
		
			,
	year={2003}
		
	
	,
	note={Research project undertaken by the authors at the Research Institute of Economy}

}

@incollection{b12,
	
	
		,
	title={{An investigation into the use of mergers as a solution for the Asian banking sector crisis}}
		,
	author={{
			SH MShih
		}}
	
	
		,
	journal={{The Quarterly Review of Economics and Finance}}
		
			43
			
			,
	year={2003}
		
	

}

@incollection{b13,
	
	
		,
	title={{1920 nendai niokeru ginko kisei no keisei}}
		,
	author={{
			TShiratori
		}}
	
	
		,
	booktitle={{Formation of bank regulations in the 1920s) Keiei Shigaku (Business History) 36-3}}
				
			,
	year={2002}
			
		
	

}

@book{b14,
	
	
		,
	title={{Compressing the Unwieldy Banking System in Nigeria: The Probabilities of Soludian Hypothesis I" 1st International Conference on Structural Reforms and Management of Financial Institution in Nigeria, Department of Banking and Finance}}
		,
	author={{
			RO CSomoye
		}}
		
			,
	year={2006a}
			,
	address={Nigeria}
		
		
			Olabisi Onabanjo University
		
	

}

@incollection{b15,
	
	
		,
	title={{}}
	
	
		,
	journal={{Finance And Administrative Sciences -Issue}}
		
			14
			,
	year={2008}
		
	
	,
	note={European Journal of Economics}

}

@book{b16,
	
	
		,
	title={{Bank Interest rate in Nigeria: The Macroeconomic Expecttation}}
		,
	author={{
			RO CSomoye
		}}
		
			,
	year={2006b}
			,
	address={Babcock}
		
	

}

@incollection{b17,
	
	
		,
	title={{}}
	
	
		,
	journal={{Source : CBN Bulletins}}
		
			3009
			,
	year={2007. 2008}
		
	

}

@book{b18,
	
	
		,
	title={{Impact of Interest Rate Policy and Performance of Deposit Money Banks in Nigerian}}
		
	

}