TABLE OF
CONTENT
TITLE PAGE
APPROVAL
DEDICATION
ACKNOWLEDGEMENT
LIST OF TABLE
TABLE OF CONTENTS
ABSTRACT
CHAPTER ONE
1.0 INTRODUCTION
1.1 BACKGROUND OF THE STUDY
1.2 STATEMENT OF PROBLEM
1.3 OBJECTIVE OF STUDY
1.4 RESEARCH HYPOTHESIS
1.5
SIGNIFICANCE OF THE STUDY
1.6 SIGNIFICANCE OF THE STUDY
1.7 SCOPE AND LIMITATION OF THE STUDY
1.8 BACKGROUND OF THE FIRM STUDY
1.9 DEFINITION OF TERMS
CHAPTER TWO
2.0 REVIEW OF RELATED LITERATURE
2.1 OPERATIONAL CONCEPTS IN NIGERIA
COMMERCIAL BANKS.
2.2 LIQUIDITY RATIO
2.3 SIGNIFICANCE OF LIQUIDITY RATIO
2.4 COMPUTATION OF LIQUIDITY RATIO
2.5 CASH RATIO
2.6 LIQUIDITY RISKS
2.7 LIQUIDITY MEASUREMENT
2.8
DETERMINING LIQUIDITY NEEDS
2.9 RATIONAL FOR LIQUIDITY RATIO REQUIREMENTS
2.10 FACTORS AFFECTING LIQUIDITY OF COMMERCIAL BANKS
2.11 LIQUIDITY PROBLEMS OF COMMERCIAL BANKS
2.12
CAUSES OF LIQUIDITY PROBLEMS IN COMMERCIAL BANK
2.13 FEDERAL GOVERNMENT STEPS TOWARDS SOLVING
LIQUIDITY PROBLEM IN COMMERCIAL BANK
2.14 APPRAISAL OF THE GOVERNMENT STEPS
TOWARDS SOLVING LIQUIDITY PROBLEMS IN COMMERCIAL BANK
2.15 SUMMARY
CHAPTER THREE
3.0
RESEARCH METHODOLOGY
3.1
RESEARCH DESIGN
3.2
AREA OF THE STUDY
3.3
POPULATION OF STUDY
3.4
SAMPLE AND SAMPLING PROCEDURE
3.5
INSTRUMENT FOR DATA COLLECTION
3.6
VALIDITY OF THE INSTRUMENT
3.7
RELIABILITY OF THE STUDY
3.8
METHOD OF ADMINISTRATION OF THE INSTRUMENT
3.9
METHOD OF DATA ANALYSIS
CHAPTER FOUR
4.0
DATA PRESENTATION
4.1
TESTING OF HYPOTHESIS
4.2
ANALYSIS AND INTERPRETATION OF RESPONSES
CHAPTER FIVE
5.0
DISCUSSION IMPLICATION RECOMMENDATION
5.1
DISCUSSION OF RESULTS
5.2
CONCLUSION
5.3
IMPLICATION OF THE STUDY
5.4
RECOMMENDATIONS
5.5
SUGGESTION FOR FURTHER STUDY
5.6
LIMITATION OF THE STUDY
APPENDIX
BIBLIOGRAPHY/REFERENCE
CHAPTER ONE
1.0
INTRODUCTION
1.1
BACKGROUND OF THE STUDY
Liquidity of banks is “the case with which
banks assets could easily be converted into cash”. The liquid asset include
cash in bank vaults, and other government securities that have not been used as
collateral for loans. The most liquid of all these assets is cash.
These are many reasons why a bank should have
reasonable liquid assets in its assets portfolio. These includes amongst others
to babble the bank to meet prompt demands from deposits and to ensure that the
bank main trained public confidence and also beadle to utilize profitable
opportunities that may come out in future.
However, it should be mentioned that banks
like most other business are profit oriented. They operate in order to make
profit for their shareholders. The profits could duly be realized only if there
is adequate deposits from bank customers. The deposits will not come unless the
depositors could be assured of the safety of their deposits and for the safety
of the deposit to be assured, these has to be enough liquidity in the bank.
Conversely, a bank operates in order to make profit
for her shareholders. It is a known fact that action designed to make profit in
banks may bring about bank distress and vice versa. Therefore, equilibrium has
to be sought between the two. These taken extreme cases, have been the constant
concerns of bank management.