The Nigerian banking industry is trying to stand strong despite the rocky socioeconomic landscape. Retail banks have been forced to twist and turn in order to adapt to the various market shocks and policy variations that hit the economy in 2015. From the monetary policy changes to the recent directive from the federal government to all federal ministries, departments and agencies (MDAs) to remit all their earnings into a Treasury Single Account (TSA), banks have been left spiraling due to significant changes in their liquidity. Needless to say, novelty and flexibility have become necessary for any prospect at longevity in the industry.
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