TABLE OF CONTENTS
Table of contents
1.1 Statement of the study
1.2 Objective of the study
1.3 Significance of the study
1.4 Limitation of the study
1.5 Definition of terms
1.6 Plan of the study
2.0 Literature review
2.1 Liquid management and asset management
2.2 Liquid measurement
2.3 Profitability VS Liquidity
2.4 Determinant of liquidity needs
2.5 Historical background of the case study
2.6 Factors influencing the profitability of commercial bank
2.7 Treasury management in a commercial banks
2.8 Essence and impact of treasury management
3.0 Research methodology
3.1 Population of study
3.2 Sampling technique
3.3 Method of data collection
4.0 Data presentation and analysis
4.1 Data presentation
4.2 Data Analysis
4.3 Test of hypothesis
4.4 Interpretation of results
5.0 Summary, conclusion and recommendation
A commercial bank is an economic unit whose main goals is to maximize profit.
Every bank attempts to structure it’s assets and liabilities in such a manner as to yield the highest return subject to some constraints. when customers deposit money with a bank, they are lending fund to the bank for a specific or indefinite period depending on the constract signed with the bank.
The customer can withdrw funds at short notice or without notice depending on the type of deposit account being operated. Banks however know from experience that an average depositor will demand a small proportion of the fund deposite by them at anytime.
The bulk of the profit made by the bank arises from simple transaction i.e. the difference between the cost of funds deposited by customers and the changes the cost of fund deposited by customers and the charges on loan to customers. Generally, depositors are paid lower rate of interest when compared with rate charged on loans, in addition, banks also invest their surplus funds in short, medium and long term securities. What makes the task of asset selection difficult is the need to balance profitability liquidity and risks.
Frontiers, E. & , N (2021). Liquidity and Profitability Management in Nigeria Commercial Bank (A Case Study of Union Bank Ilorin Kwara State). Afribary. Retrieved from https://afribary.com/works/liquidity-and-profitability-management-in-nigeria-commercial-bank-a-case-study-of-union-bank-ilorin-kwara-state
Frontiers, Edu, and ND/09/BF/FT/ "Liquidity and Profitability Management in Nigeria Commercial Bank (A Case Study of Union Bank Ilorin Kwara State)" Afribary. Afribary, 24 Dec. 2021, https://afribary.com/works/liquidity-and-profitability-management-in-nigeria-commercial-bank-a-case-study-of-union-bank-ilorin-kwara-state. Accessed 20 Jan. 2022.
Frontiers, Edu, and ND/09/BF/FT/ . "Liquidity and Profitability Management in Nigeria Commercial Bank (A Case Study of Union Bank Ilorin Kwara State)". Afribary, Afribary, 24 Dec. 2021. Web. 20 Jan. 2022. < https://afribary.com/works/liquidity-and-profitability-management-in-nigeria-commercial-bank-a-case-study-of-union-bank-ilorin-kwara-state >.
Frontiers, Edu and , ND/09/BF/FT/ . "Liquidity and Profitability Management in Nigeria Commercial Bank (A Case Study of Union Bank Ilorin Kwara State)" Afribary (2021). Accessed January 20, 2022. https://afribary.com/works/liquidity-and-profitability-management-in-nigeria-commercial-bank-a-case-study-of-union-bank-ilorin-kwara-state