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# Central Bank of Nigeria Issues CRR Framework Guidelines to Address Bank Liquidity Challenges
- URL: https://www.theglobalbanker.com/central-bank-nigeria-crr-framework-guidelines-bank-liquidity/
- Published: 2024-02-02T12:00:00.000Z
- Updated: 2026-10-02T12:53:28.000Z
- Description: The CBN has issued Cash Reserve Requirement implementation guidelines applying the 32.5% CRR to increases in commercial banks' deposits and a 50% levy on lending shortfalls for those failing minimum loan-to-deposit ratio requirements.
- Author: TGB Editorial Team
- Tags: Regulations, Africa, #archive

The Central Bank of Nigeria has issued formal Cash Reserve Requirement Framework Implementation Guidelines to all banks operating in the country, establishing a two-phase system. 

Under Phase 1 of the framework, the existing CRR ratios are applied only to increases in banks' weekly average adjusted deposits: 32.5% for commercial banks and 10% for merchant banks. The new mechanism replaces the CBN's previous practice of daily CRR debits, which the central bank said it was ceasing.

#### PHASE TWO TARGETS LENDING SHORTFALLS

Phase 2 of the framework applies to banks that fail to meet the CBN's minimum Loan-to-Deposit Ratio requirement. Institutions falling short of the prescribed LDR threshold face a CRR levy of 50% applied to the value of the lending shortfall. 

#### DATA ALIGNMENT AND DISCLOSURE

The broader objective articulated in the guidelines is to strengthen banks' capacity to plan, monitor, and align their internal liquidity records with CBN data on a consistent and verifiable basis. The CBN said it would provide banks with details of the computation of CRR charges applied.