Banking and Finance Project Topics for Final Year Students (2026/2027)

Banking and finance projects examine banks, capital markets, microfinance and insurance, and how regulation and technology affect their performance. The topics below can be studied with financial statements and CBN data or with questionnaires to bank customers and small business owners.

Banking operations and regulation

Effect of non-performing loans on the profitability of deposit money banks in Nigeria
Impact of electronic banking on customer satisfaction
Effect of bank recapitalisation on the performance of Nigerian banks
Role of the Central Bank of Nigeria in regulating deposit money banks
Effect of capital adequacy on bank performance in Nigeria
Impact of mobile banking on the operations of commercial banks
Effect of agent banking on financial inclusion in rural areas
Effect of bank charges on customer patronage
Impact of cybercrime on electronic banking in Nigeria
Effect of the Bank Verification Number (BVN) policy on fraud in banks

Corporate finance and investment

Effect of capital structure on firm value in Nigeria
Determinants of dividend payout of listed firms in Nigeria
Effect of corporate governance on the financial performance of banks
Impact of the capital market on the growth of listed firms
Effect of financial leverage on the profitability of manufacturing firms
Relationship between risk and return of stocks on the Nigerian Exchange
Effect of mergers on shareholders' wealth
Effect of initial public offers on company growth
Determinants of the share prices of listed banks
Effect of foreign portfolio investment on the Nigerian stock market

Microfinance and financial inclusion

Impact of microfinance banks on the growth of small businesses
Effect of microcredit on poverty reduction among rural women
Determinants of loan repayment among microfinance clients
Role of fintech companies in financial inclusion in Nigeria
Effect of financial literacy on the savings behaviour of undergraduates
Impact of cooperative thrift societies on members' welfare
Challenges of access to credit among smallholder farmers
Effect of interest rates on borrowing by small businesses
Role of the Bank of Industry in financing small and medium enterprises
Prospects and challenges of the eNaira for financial inclusion

Monetary policy, insurance and pensions

Effect of the monetary policy rate on bank lending in Nigeria
Impact of the cash reserve ratio on bank liquidity
Effect of exchange rate policy on bank performance
Effect of inflation on bank deposits in Nigeria
Impact of insurance on the growth of small businesses
Factors responsible for the low uptake of insurance in Nigeria
Effect of claims settlement on customer confidence in insurance companies
Role of pension fund administrators in capital market development
Effect of the contributory pension scheme on the welfare of retirees
Impact of the cashless policy on bank operations

How to choose a good banking and finance project topic

Bank performance topics need several years of financial statements. Choose banks that have been listed throughout your study period.
Customer-focused topics (e-banking, charges, satisfaction) suit questionnaires given out at a few branches.
Measure performance with standard ratios such as return on assets, return on equity and net interest margin, and say which you use.
Fintech, agent banking and financial inclusion are current and well funded by research, so you will find recent literature.

Research methods for banking and finance projects

Secondary data projects use financial statements, the CBN Statistical Bulletin and Nigerian Exchange data, analysed with descriptive statistics, correlation and panel or time series regression. Survey projects use questionnaires with chi-square or regression analysis.

Narrow your topic before you submit it

A topic that is too broad is the most common reason supervisors send topics back. Add a place, a group of people and, where it helps, a time period. Instead of "Electronic banking", propose something like "Impact of mobile banking on customer satisfaction in selected deposit money banks in Port Harcourt".

Before you submit, check that the topic has not been done recently in your department, that you can collect the data in time, and that your supervisor agrees with the case study.

Project guides for banking and finance students

Frequently Asked Questions

What are good banking and finance project topics for the 2026/2027 session?

Good topics are current, narrow enough to finish in one session and have data you can collect. Examples from this list include "Effect of non-performing loans on the profitability of deposit money banks in Nigeria", "Effect of capital structure on firm value in Nigeria" and "Impact of microfinance banks on the growth of small businesses".

How do I narrow down a banking and finance project topic?

Add a place, a group and a time frame. For example, instead of "Electronic banking", write "Impact of mobile banking on customer satisfaction in selected deposit money banks in Port Harcourt".

Can I use these banking and finance project topics?

Yes. They are free, original topic ideas written for StudentToolsNG. Your department must approve your final topic, so discuss it with your supervisor, check it has not been done recently, and change the case study to a place you can reach.

Where can I get banking and finance project materials?

For some of these topics, StudentToolsNG's Research Library has project guides with a model Chapter 1, a literature review map, the methodology and a questionnaire, which you adapt and complete with your own data.

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