This study explored the impact of capital base on the performance of Money Deposit Banks in Nigeria pre and post consolidation. The study adopted across sectional survey design, with total population of 22 Money Deposit Banks in Nigeria. A sample of 5 banks based on their level of profitability and capital base were randomly selected from the total population. The study used secondary sources to extract data from Annual Reports and Financial statements from the selected banks. Simple regression analysis technique was used to analysis the data. The findings show the loan management system in Nigeria over a long period of time has been bad in Nigeria since these (loan) is one of the main source of revenue of the banks. The results also showed that the bank's lending activities has not been accurately documented and appropriately checked. Though banks do give loan some dishonest bank officials especially those at the top management level who divert bank loans to personal loans and use the proceeds for them self.