摘要：This study investigates the causal relationship between bank personnel ratio and the cost-income ratio based on performance in Nigeria for the period of 2004–2015. Secondary data collected on a cross section of 15 banks during this period was ana lyzed using panel unit root,cointegration and Granger causality techniques. A unit root test revealed that the variables are stationary at order one. The result further shows there is an equilibrium relationship or stability in the short and long run;furthermore, there is a bidirectional causal relationship between personnel ratio and cost-income ratio. Therefore,the study recommends that the apex bank should enforce policies in the banking sector that will minimize the unit cost of operation – even though they might hire more staff. This is to enhance the stability of the banks in Nigeria and to avoid any threat to their continuity.
关键词：Nigeria banking sector;Granger causality;personnel ratio;cost-income ratio (CIR)
