Liquid represents the ability to work efficiently accommodate decrease in deposits and funds increase in the loan portfolio, that is to meet customers loan request fund commitments and liens of credit. A bank has liquidity potential when it has the ability to obtain sufficient cash in timely manner at a reasonable cost. The cost obtaining liquidity is a function of market conditions and the degree of risk, credit risk reflected in the balance sheet.
Liquidity management in Nigeria commercial banks ever the year has been a major issue of contention. It has generated a lot of thoughts and concerns to various groups through banking history. Academics and professionals take divergent views about the term liquidity and its management. Those who are involved in the management of the source and uses of fund deposit in commercial banks are raised to some degree.
There is virtually no work on the liquidity management in Nigeria commercial banks. Thus, is the challenge of the research as its attempts to discuss it. The objective of this research work is to examine the liquidity management of commercial banks in Nigeria with more emphasis on their investment, liquidity and profitability position in order to find out why commercial banks need to be more liquid then any other business organization. This study will look at the effectiveness and efficiency of commercial banks in grapping with the management of their profitability by employing and using various approaches, theories and instruments in solving their liquidity and profitability dilemma.
There will be a thorough research to prove how the banks have been managing their liquidity and profitability. In this work both secondary and primary data were gathered and analysed. The primary sources was the administration of questionnaire and oral interview, while the secondary source was inform of literature review of books’ journals and newspapers.
From the findings of the analysis, the research came up with conclusion and recommendation.
TABLE OF CONTENT
Table of content
1.1Statement of problem
1.2Objective of the study
1.3Significance of the study
1.4Statement of hypothesis
1.5Scope of the study
1.6Limitation of the study
1.7Definition of terms
2.0Review of related literature
2.1Review of assets and liabilities management of commercial banks
2.2Commercial loan theory
2.3The shiftability theory
2.4The anticipated income theory
2.5The liability management theory
2.6The operation of Nigeria Commercial Banks in terms of Assets
and Liabilities Management
2.7The liability management of commercial banks
2.8Credit tools used by banks in Nigeria to control commercial banks liquidity positions.
2.9Factors to be considered in Assets Management
2.10Investment decision – risk and returns
2.11Similarities between assets and liabilities
2.12Assets of commercial banks
2.13Commercial banks investment purposes
2.14Important factors a barher should corrider before holding cash
2.15Allocation of commercial banks funds
2.16Liquidity and profitability
3.0Research design and methodology
3.1Source of data
5.0Summary of findings, conclusions & recommendation
LIQUIDITY MANAGEMENT IN NIGERIA COMMERCIAL BANKS (A CASE STUDY OF FIRST BANK OF NIGERIA PLC)
ABSTRACT Liquid represents the ability to work efficiently accommodate decrease in deposits and funds increase in the loan portfolio, that is to meet customers loan request fund commitments and liens of credit. A bank has liquidity potential when it has the ability to obtain sufficient cash in timely manner at a reasonable cost. The cost obtaining... Continue Reading
LIQUIDITY MANAGEMENT IN NIGERIA COMMERCIAL BANKS (A CASE STUDY OF FIRST BANK OF NIGERIA PLC) ABSTRACT Liquid represents the ability to work efficiently accommodate decrease in deposits and funds increase in the loan portfolio, that is to meet customers loan request fund commitments and liens of credit. A bank has liquidity potential when it has... Continue Reading
ABSTRACT This study examined liquidity management and commercial banks’ profitability in Nigeria. The major aims of the study were to find empirical evidence of the degree to which effective liquidity management affects profitability in commercial banks and how commercial... Continue Reading
This paper provides comprehensive analyses and prima facie evidences on determination of liquidity and asset management of selected Nigerian banks. The purpose of this study is to examine liquidity series of Nigerian banks with a view to indicating any weakness noticed. The study considers liquidity buffer of Nigerian banks and finds out how the... Continue Reading
ABSTRACT This research work is conducted as part of the requirement for the Higher National Diploma [HND] in Accounting. It examine the liquidity management of commercial banks in Nigeria with more emphasis on their investment, liquidity and profitability position in order to find out why commercial bank need to be more liquid then any other... Continue Reading
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ABSTRACT The study is a descriptive survey designed to examine efficient liquidity management and its impact on profitability of commercial banks in Nigeria. A total of fifty respondents were selected from First Bank of Nigeria Plc Warri branch in Delta State to form a sample size. A test and retest method was used to determine the reliability of... Continue Reading
ABSTRACT This study examined the impact of liquidity performance in commercial using First Bank of Nigeria Plc as case study. Secondary data used in this study were carried from text books, journals, magazines and newspaper. Our findings indicate that there was a positive relationship between liquidity management and the existence of any banks.... Continue Reading
AN APPRAISAL OF LIQUIDITY PROBLEMS IN COMMERCIAL BANK IN NIGERIA (A CASE STUDY OF FIRST BANK OF NIG PLC) ABSTRACT This study is aimed act appraising the liquidity problems in commercial banks in Nigeria with a problem in commercial banks in Nigeria with a view of determining how these problem affects commercial banking business as well as... Continue Reading
ABSTRACT The study of liquidity management in banks with particular reference on Union Bank Plc. Okpara Avenue Branch and Nice Community Bank Amawbia Awka. Chapter one looked into the liquidity and profitability position in order to find out why banks needs to be move liquid than any other financial institutions as well as business Organization.... Continue Reading