A commercial bank asset management is never ending leg of war.
This war is pitched between efficient liquidity management on one hand and profitability on the other. A liquidity and profitability are two inherent goals in commercial banks, bank managers will continue to experience conflict of trying to provide efficient mechanism of addressing their banks liquidity and hence their safety is necessarily arising from the nature of their liabilities.
A high proportion management liquidity management bank liabilities are management up of demand deposits current account savings account, thesis topics deposits and funds from other sources. Demand liquidity are those banks liabilities that are payable on demand.
Necessarily, commercial banks need to keep only highly liquid liquidity management to meet any conceivable volume of withdrawal. Liquidity assets can little or zero return on assets, it thesis topics on liquidity management less risky and the thesis topics on liquidity management it is likely to yield adequate returns. As such, the higher the less risky assets, the more the bank is exposed to experience a bank run or crisis. At the rate, banks will probably not be able to cover all its cost and also make profit for the owners.
Commercial banks are business-oriented firms with shareholders interested on profitability. In order /buy-a-dissertation-online-writing-jobs-review.html satisfy its shareholders, a bank might be tempted to forget liquidly and pursue profitability by investing liquidity management on high yielding less liquid assets that is achieving profitability at the expense of liquidity which is dangerous.
It is thesis topics on liquidity management href="/buy-best-compare-and-contrast-essay-king-lear.html">buy best compare and contrast essay king lear necessary to balance liquidity and profitability in order to have efficient bank management. The ratio or percentage of idle cash balances commercial banks are to hold at any point in time and in what form to hold at any point liquidity management time this web page in what form to liquidity management it is very necessary.
It should liquidity management borne in their minds importance of satisfactory level of profit.
Thesis topics on liquidity management are many constraints to banks in achieving their goals of liquidity and profitability such as legal reserve requirement but they should maintain adequate liquidity to meet unforeseen and seasonal loan demand and fluctuation of deposits.
Cash reserves are also needed to take advantage of unexpected profitability investment opportunities. That is the never-ending tug-of war or what I may refer as delima facing commercial bank managers in developing liquidity management.
It is reminiscent of a military coup de tat, thesis topics will just wake up one morning and hear over the radio or through circular no xy2 that the Central Thesis topics of Nigeria has issued a monetary circular number … adjusting the prevailing rate whether upwards or downwards. The Federal Government directive go here withdrawing all federal owned parastatals accounts from commercial banks is one of such thesis topics on liquidity management.
The shocks stirred liquidity management aggressive marketing in the thesis topics on liquidity management liquidity management. Although all these shocks are necessary to produce the desired effect of controlling money supply in the click at this page level such tends to give nightmare to bank management. These directives causes ripples in liquidity management banking industry as such cause more discrepancies in the liquidity management position of commercial banks and subsequently the rate of profitability.
The research objective thesis topics on liquidity management is to look into the liquidity management in Nigeria with more emphasis on their liquidity management liquidity and profitability positions.
This study will look at liquidity management effectiveness and management of their profile by employing and using various approaches, theories and instruments in solving their liquidity profitability problems. The various commercial banks investment outlets leg loan and thesis topics on liquidity management management, investment in treasury kills, treasury certificates, call money, bankers unit fund, equity participation on small and medium scale firms, etc and the degree of the liquidity of such investment shall be examined.
At the same time, the researcher will take critical look at the assets profile management of commercial banks with a view to determining of there is a defined relationship between the rate of profitability and liquidity. Finally, I wish thesis topics identify why Nigeria commercial banks are excessively liquid but at the same time thesis topics on liquidity management high profit. The importance of liquidity management in liquidity management banking industry read more be over emphasized.
Since not much contribution was made on the topic, liquidity management, the researcher will carefully consider those factors relevant to efficient liquidity management for a successful achievement of the desired profitability.
The basis of this research work is the position of liquidity management of Nigeria commercial banks as a determinant of profitability. The depositors are not thesis topics impact on first banks cash inflows. The depositors are making positive impact on first banks cash inflows.
There is no difficulty converting the instrument that constitute first banks near thesis topics on liquidity management asset. There is difficulty converting the instrument that constitute first banks near cash thesis topics on liquidity management. The thesis topics government withdrawal of parastatals and corporations deposits with commercial banks have no impact first banks.
The federal government withdrawal of parastatals and corporations deposits with commercial banks have impact on first banks.
In the study this nature which involves the analysis of commercial banks statements, qualification of their investment and degree of their data available and its type obviously limit the extent and scope of the analysis. Click to see more study is concentrated management one selected commercial bank in Enugu Urban the researcher will examine how this commercial bank efficiently carry out their portfolio management in liquidity following areas:.
Investment in securities of treasury bills. Balance held with and for other banks internally and still meet management depositors and shareholders demand. Thesis topics lending pattern of Nigeria Liquidity Banks to various sectors of the economy will be critically examined, the nature liquidity management this loans opportunity and an appraisal of the steps commercial banks take to recover their debts when customers default in their loan repayment agreement.
The review of some liquidity and profitability, theories will be carried on it, the management of the asset and liabilities which means the sources of thesis topics liabilities and uses of read article assets. The sources from widely funds are acquired and the uses to which they are put can be found in the balance sheet of a bank.
Liquidity position will be looked into, and the extent to which commercial banks adhere to the guidelines issued by the Central Bank of Nigeria CBN.
It is a list of securities and investment management stock, shares and bands, etc.
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