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LIQUIDITY AND PROFITABILITY MANAGEMENT IN NIGERIA COMMERCIAL BANK (A CASE STUDY OF UNION BANK ILORIN KWARA STATE)
TABLE OF CONTENTS
Title Page
Certification
Dedication
Acknowledgement
Table of contents
CHAPTER ONE
1.0 Introduction
Statement of the study
Objective of the study
Significance of the study
Limitation of the study
Definition of terms
Plan of the study
CHAPTER TWO
Literature review
Liquid management and asset management
Liquid measurement
Profitability VS Liquidity
Determinant of liquidity needs
Historical background of the case study
Factors influencing the profitability of commercial bank
Treasury management in a commercial banks
Essence and impact of treasury management
CHAPTER THREE
Research methodology
Population of study
Sampling technique
Method of data collection
CHAPTER FOUR
Data presentation and analysis
Data presentation
Data Analysis
Test of hypothesis
Interpretation of results
CHAPTER FIVE
Summary, conclusion and recommendation
Summary
Conclusion
Recommendations
References
CHAPTER ONE
1.0 INTRODUCTION
A commercial bank is an economic unit whose main goals is to maximize profit.
Every bank attempts to structure it’s assets and liabilities in such a manner as to yield the highest return subject to some constraints. when customers deposit money with a bank, they are lending fund to the bank for a specific or indefinite period depending on the constract signed with the bank.
The customer can withdrw funds at short notice or without notice depending on the type of deposit account being operated. Banks however know from experience that an average depositor will demand a small proportion of the fund deposite by them at anytime.
The bulk of the profit made by the bank arises from simple transaction i.e. the difference between the cost of funds deposited by customers and the changes the cost of fund deposited by customers and the charges on loan to customers. Generally, depositors are paid lower rate of interest when compared with rate charged on loans, in addition, banks also invest their surplus funds in short, medium and long term securities. What makes the task of asset selection difficult is the need to balance profitability liquidity and risks.
Though, in developed countries banks have several years successfully applied management science techniques to asset and liability management.
1.1 STATEMENT OF THE PROBLEM
What is the factor influencing organizational policy in Nigeria banks?
How can organizational policy be achieved in Nigerian Banks?
What is the cause of communication gap between staff and management of Nigeria banks?
What are factors that affects level of profit in Nigeria banks?
Why do bank management usually report to retrenchments?
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