Impact of Liquidity Management on Profitability in Nigeria’s Banking Sector

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IMPACT OF LIQUIDITY MANAGEMENT ON PROFITABILITY IN NIGERIA’S BANKING SECTOR

 

Abstract—

This paper seeks to analyse the impact of liquidity management on profitability within the Nigerian deposit money banks. This will cover the period of ten years (2007-2016). Five banks have been chosen to represent the population of the twenty-four deposit money banks in Nigeria. The liquidity indicators square measure quick ratio, cash ratio, current ratio and liquidity coverage ratio, whereas return on equity (ROE) and return on assets (ROA) were proxies for profitability. Regression analysis was used to test the hypothesis. The findings indicate that liquidity management considerably impact on the performance of deposit money banks The empirical results addi-tionally shows that a rise within the quick ratio of accessible funds results in a rise within the profitability, whereas a rise within the cash ratio and the liquidity coverage ratio results in decrease within the profitability of the deposit cash banks in Nigeria. Recommendation, therefore is that for economic, effective, efficient management of liquidity, the banks ought to adopt a general framework for liquidity management, additionally competent personnel’s ought to be used to enable them get optimum result for profitability.

 

TABLE OF CONTENTS

Title Page———i

Certification——–ii

Dedication———iii

Acknowledgement——-iv

Abstract ———vi

Table of Content——–vii

 

Chapter One

1.0 Introduction ——-1

1.1 Statement of Problem——4

1.2 Purpose of the Study——5

1.3 Significance of Study——8

1.4 Limitation——–9

1.5 Scope of Study——-11

 

Chapter Two

2.0 Review of Related Literature —-12

2.6 Summary of Literature Review—- 19

 

Chapter Three

3.0 Research Methodology and Procedure—22

3.1 Population ——–22

3.2 Sample and Sampling Technique—-22

3.3 Validation of the Instrument —-23

3.4 Reliability of the Instrument —–23

3.5 Data Analysis——-23

 

Chapter Four

4.0 Presentation and Discussion of Result—24

4.1 Analysis and interpretaion of Data—25

4.2 Discussion of Results——38

 

Chapter Five

5.0. Summary, Conclusion, and Recommendation  –40

5.1 Summary——–40

5.2 Conclusion——–41

5.3 Recommendation——42

References ———45

Appendix 1——–47

Appendix ———50

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