THE IMPACT OF LIQUIDITY MANAGEMENT ON BANKS’ PROFITABILITY: A CASE STUDY OF GUARANTY TRUST BANK BRANCHES IN KANO, KANO STATE
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THE IMPACT OF LIQUIDITY MANAGEMENT ON BANKS’ PROFITABILITY: A CASE STUDY OF GUARANTY TRUST BANK BRANCHES IN KANO, KANO STATE
THE IMPACT OF LIQUIDITY MANAGEMENT ON BANKS’ PROFITABILITY: A CASE STUDY OF GUARANTY TRUST BANK BRANCHES IN KANO, KANO STATE ABSTRACT
This study examined the impact of liquidity management on
banks profitability in deposit money banks using Guaranty Trust Bank of Nigeria
Plc. as a case study. The problem identified in this study is mainly the
problem of vibrancy in global financial sector in performing its roles in the
growth and development of the economy. This problem arises due to maintaining
equilibrium between profitability and liquidity in banking institutions in
Nigeria. The primary source of data was used to collect the data while
chi-square method was used to analyze the data. The findings indicates that
there is a positive relationship between liquidity management and profitability
of commercial banks. Based on these findings, the conclusion states that
liquidity has great impact on profitability. It is recommended that while
commercial banks pursue their profit making objectives, the assets of the bank
must be kept at an acceptable level of liquidity so as to meet possible demand
from depositors and maintain public confidence at all time. Scholars and technocrats in the banking
sector argue that liquidity management should not be the focus of banks but
rather risk management, risk management will ensure the bank continues business
in a long time. Further research should be conducted on the effect of risk
management on the activities of commercial banks in the country.
CHAPTER ONE
INTRODUCTION
1.1 Background
of the Study
The Nigerian economy has undergone fundamental structural
changes over the last four decades (1960 to date). Evidence shows that the
dramatic structural shifts that occurred lately have not resulted in any
appreciable and sustained economic growth and development. Within these
periods, the economy has also experienced stunted growth for the greater part
of the period. The economy exhibited negative growth rates, which indicates
depressed economic situation partly caused by the worldwide economic recession
of the early 80s, the world economic meltdown, and recent fall in oil revenue
which was as a result of over dependence of the Nigeria economy on oil
proceeds, and gross mismanagement of the economy by successive governments
(Biaobaku 2014).
According to Awokiyesi (2011), the aim of every economy is
the attainment of a healthy and sustainable position, for the critical
macro-economic variables, which are the Balance of Payments (BOP), Gross
Domestic Product (GDP), Inflation and Unemployment. The pursuits of these goals
have become one of the major pre-occupations of policy makers worldwide. This
is understandable due to the tremendous impact of developments in Balance of
Payments (BOP), Inflation, GDP, Unemployment and social welfare of the society.
Generally, the outcomes of these critical macro-economic variables provide a
useful guide for appraising the appropriateness of current policy measures
designed to bring about a well-ordered economic structure.
The objectives of macro-economic policy for the government
of a contemporary mixed capitalist country (like Nigeria) have come to be
formulated as the maintenance of high employment levels, without inflation
consistently with the achievement of an adequate rate of economic growth, and
the preservation of Balance of payments equilibrium. In this context, a major
contribution to the theory of economic policy is the Philips curve.
THE IMPACT OF LIQUIDITY MANAGEMENT ON BANKS’ PROFITABILITY: A CASE STUDY OF GUARANTY TRUST BANK BRANCHES IN KANO, KANO STATE
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This study examined the impact of liquidity management on banks profitability in deposit money banks using Guaranty Trust Bank of Nigeria Plc. as a case study. The problem identified in this study is mainly the problem of vibrancy in global financial sector in performing its roles in the growth and development of the economy. This problem arises due to maintaining equilibrium between profitability and liquidity in banking institutions in Nigeria. The primary source of data was used to collect the data while chi-square method was used to analyze the data. The findings indicates that there is a positive relationship between liquidity management and profitability of commercial banks. Based on these findings, the conclusion states that liquidity has great impact on profitability. It is recommended that while commercial banks pursue their profit making objectives, the assets of the bank must be kept at an acceptable level of liquidity so as to meet possible demand from depositors and maintain public confidence at all time. Scholars and technocrats in the banking sector argue that liquidity management should not be the focus of banks but rather risk management, risk management will ensure the bank continues business in a long time. Further research should be conducted on the effect of risk management on the activities of commercial banks in the country... accounting project topics
THE IMPACT OF LIQUIDITY MANAGEMENT ON BANKS’ PROFITABILITY: A CASE STUDY OF GUARANTY TRUST BANK BRANCHES IN KANO, KANO STATE