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LIQUIDITY PROBLEM IN
COMMERCIAL BANKS
TABLE OF CONTENTS
TITLE PAGE
APPROVAL PAGE
DEDICATION
ACKNOWLEDGEMENT
TABLE OF CONTENT
CHAPTER ONE
1.1 INTRODUCTION
1.2 DEFINITION OF
TERMS
1.3 SIGNIFICANCE OF
THE STUDY
1.4 OBJECTIVES OF
THE STUDY
1.5 SCOPE
LIMITATION OF STUDY
CHAPTER TWO
2.1 WHAT IS
LIQUIDITY
2.2 LIQUIDITY RISKS
2.3 LIQUIDITY
VERSUS PROFITABILITY IN COMMERCIAL BANKING
2.4 SIGNIFICANCE OF
LIQUITY RATIO
2.5 RATIONAL FOR
LIQUIDITY RATIO REQUIREMENT
2.6 ACTORS
AFFECTING LIQUIDITY IN COMMERCIAL BANK
2.7 FEDERAL
GOVERNMENT STEPS TOWARDS SOLVING LIQUIDITY PROBLEMS IN COMMERCIAL BANKING
CHAPTER THREE
3.1 SUMMARY OF FINDINGS
3.2 CONCLUSION
3.3 RECOMMENDATION
3.3 BIBLIOGRAPHY
BIBLIOGRAPHY
CHAPTER ONE
1.1 BACKGROUND OF
THE STUDY
Liquidity
banks means, “The ease with which banks assets could be converted into
cash”. The liquid assets include cash in
the banks vault with the Central banks and to their government securities that
have not been used as those assets is cash.
There are many reasons why a bank should have reasonable
liquid assets in it assets portfolio, these include to be due to meet prompt
demands for deposit withdrawals, that is the banks must maintain confidence and
also be able to utilize profitable opportunities that may come out in future.
However, it should be noted that bank like most other
business are profit oriented, operating to make profit for these share holders.
These profit could be realized only if there is enough
depositors. The deposit will not come
unless the depositors could be assured
of the safely of their deposits to be assured. There has to be enough liquidity in the
banks.
It is a known
fact that action designed to make profit brings about illiquidity in the bank
and versa.
Therefore, equilibrium has to be sought between the two these
two extreme cases have been the constant concern of bank management.
Liquidity
management involves provision for depositors withdrawals, short term cash
requirement and cyclical and circular cash requirements. It also involves provisions to met with legal
reserve requirements.
In Nigeria,
the activities of the commercial banks are regulated by the banking act of 1970
as amended under the control of Central bank of Nigeria. The essence of these regulations were to
maintain trust and confidence in banking systems as well as to achieve a
special economic objective thus, in the period of mounting excess liquidity as
was the case in the 1970’s, bank were expected to hold some of their assets
equal to a certain percentage of their deposits in liquid for this is known as
legal reserve requirement. The
components of legal reserve requirements are, cash establishment securities
issued by the Central banks.
The rational
for the use of those instruments was to map out the excess liquidity in the
economy and also to stop the inflationary trends in the economy.
The excess
liquidity in the banking sector give rise to inefficiencies in banks
operation. Bank staff were no longer
polite since they had little outlets to invest money, banks have devised new
method of attracting deposits from their customers thus, the recent innovations
in the banking sector.
1.2
SIGNIFICANCE OF THE STUDY
This research will also help the monetary authorities in no
small way towards the formulation and the implementation of
their monetary and fiscal policy.
Merchant Banks in Nigeria and in deeds other related countries with
similar problems will equally also serve as a reference point to their
researchers.
1.3
OBJECTIVES OF THE STUDY
1.
Identify Federal Government policies about commercial banks Liquidity
position;
2. To
identify Commercial Banks Liquidity problems during the period 1988 – 1990;
3. To
find out the effect of the various liquidity of Commercial Banks on their
profitability;
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