LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF THE BANKING SECTOR OF NIGERIA

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LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF THE BANKING SECTOR OF NIGERIA

CHAPTER ONE

 

INTRODUCTION

 

BACKGROUND OF THE STUDY

 

The impact of liquidity position in management of financial institution and other economic unit have remained fascinating and intriguing, though very elusive in the process of in investment analysis visa- visa Bank  port folio management.

 

There appears to be an interminable argument in the literature over the years on the roles, meaning and determinants of liquidity and credit management. The Nigeria financial environment has noticed increase in credit which has become a problem to the country.

 

Credit control described as to maximize the value of the firm by achieving a trade a trade off purpose of credit control is not to maximize sales or to minimize the risk of bad debt.

 

In fact the firm should manage it credit in such a way that sales are expanded to an extent to which risk remains within an acceptable unit. These costs include the credit administration expenses bad debt, losses and opportunity cost of the fund field up in receivables, the aim of liquidity management should be to regulate and control these cost that cannot be eliminated together.

7


According to Begg, fisher and Rudiger (1991:130) liquidity refers to the speed and certainty with which an asset can be converted back into money (cash, income) whenever the

 

Asset holder desires, money itself is the most liquidity asset o all liquidity management seeks to ensure attainment of the short term objective.

 

A liquid Bank  is one that stores enough liquid assets and cash together with the ability to raise funds quickly from other source to enable it meet its payment obligation and financial commitment in a timely manner.

 

Therefore according to Ngwu (2006:36) liquidity management is the act of storing enough funds and raising funds quickly from the market to satisfy depositor loan customer and other parties with a view to maintain public confidence.

 

STATEMENT OF THE PROBLEM

 

Liquidity is considered as the success of as Bank , therefore ay ineffectiveness in its management consuetude’s a huge problem i.e. it encounter a huge problem that affect the affairs of the financial institution. This problems is therefore analyses here as the basis for this research study.

 

The analysis commence from the era of Bank in inception in Nigeria through it growth stages and till what is it today. The initial Bank  failures recorded were principal dues to inefficiencies in the management of the

 

 

8


liquidity of such Bank  which in one way or the other had something to do with either liquidity inadequacy and the relative inefficiency in their management.

 

As an institutional problem, it has persisted over the years, in determining the survival or otherwise of Bank s. Although it must be said that some relative degree of Bank it is believed that any Bank institutions that is properly managed and has adequate liquidity should be able to swim above troubled waters.

 

Problems sometimes also evolve from Bank s inordinate urge to make phenomenal profit. In the process of doing this there is the tendency for these Bank s to get carless in the resources utilization and particularly their management of liquidity.

 

The resultant effect is usually loss substance and consequently, loss accumulation, a situation which can lead to Bank failure. The marginal loans in the Bank system calls to mind the important factor that national government of all` time preoccupy themselves with Bank s. This shows the degree of importance attached to liquidity and its management by these governments and deviation from its ratio or inadequacy of it management always spells trouble for the Bank concerned.

 

The far reacting consequences of inadequate liquidity management can also be examined. Apart from profit declines. Other of attendant consequences to a Bank  includes loss of confidence in the particular Bank  its inability to

LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF THE BANKING SECTOR OF NIGERIA

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Liquidity is considered as the success of as Bank , therefore ay ineffectiveness in its management consuetude’s a huge problem i.e. it encounter a huge problem that affect the affairs of the financial institution. This problems is therefore analyses here as the basis for this research study. The analysis commence from the era of Bank in inception in Nigeria through it growth stages and till what is it today. The initial Bank failures recorded were principal dues to inefficiencies in the management of the 8 liquidity of such Bank which in one way or the other had something to do with either liquidity inadequacy and the relative inefficiency in their management. As an institutional problem, it has persisted over the years, in determining the survival or otherwise of Bank s. Although it must be said that some relative degree of Bank it is believed that any Bank institutions that is properly managed and has adequate liquidity should be able to swim above troubled waters. Problems sometimes also evolve from Bank s inordinate urge to make phenomenal profit. In the process of doing this there is the tendency for these Bank s to get carless in the resources utilization and particularly their management of liquidity. The resultant effect is usually loss substance and consequently, loss accumulation, a situation which can lead to Bank failure. The marginal loans in the Bank system calls to mind the important factor that national government of all` time preoc.. accounting education project topics

LIQUIDITY MANAGEMENT AND FINANCIAL PERFORMANCE OF THE BANKING SECTOR OF NIGERIA

Project Information

  • CATEGORY : ACCOUNTING EDUCATION
  • TYPE : PROJECT MATERIAL
  • FORMAT : MICROSOFT WORD
  • ATTRIBUTE : Documentation Only
  • PAGES : 62 Pages
  • CHAPTERS : 1 - 5
  • PRICE : ₦ 3,000.00

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