Download complete project material on Asset And Liabilities Management In Commercial Banks from chapter one to five
TABLE OF CONTENT
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TITLE PAGE
CERTIFICATION
DEDICATION
ACKNOWLEDGEMENT
TABLE OF CONTENT
CHAPTER ONE
BACKGROUND OF THE STUDY
OBJECTIVE OF THE STUDY
STATEMENT OF THE STUDY
SIGNIFICANCE OF THE STUDY
SCOPE AND LIMITATION OF THE STUDY
RESEARCH METHODOLOGY
ORGANIZATION OF THE STUDY
DEFINITION OF TERMS
CHAPTER TWO
LITERATURE REVIEW
INTRODUCTION
FEDERAL GOVERNMENT DEREGULATION PROGRAMMING IN NIGERIA
THE ROLE OF COMMERCIAL BANK IN NATIONAL ECONOMY
BANK FAILURE IN NIGERIA
RECAPITALIZATION
CHAPTER THREE
INTRODUCTION
RESEARCH METHODOLOGY
POPULATION OF THE STUDY
SAMPLING TECHNIQUE AND SAMPLE SIZE
SOURCES OF DATA
DATA COLLECTION
METHODS OF DATA ANALYSIS
PROFILE OF CASE STUDY (UBA)
CHAPTER FOUR
PRESENTATION OF THE RESULT
INTRODUCTION
DATA PRESENTATION
DESCRIPTIVE ANALYSIS OF DATA
ANALYSIS OF THE MANAGEMENT OF THE BALANCE SHEET ITEMS
ANALYSIS OF THE ASSETS AND LIABILITIES OF UBA OF YEAR 2004-2008
CHAPTER FIVE
SUMMARY RECOMMENDATION AND CONCLUSION 56
SUMMARY
RECOMMENDATION
CONCLUSION
BIBLIOGRAPHY
CHAPTER ONE
1.O BACKGROUND OF STUDY
The financial system is very broad and far reading. This is more so since the recent changes in the system internationally, nationally and particularly since deregulation. The commercial banks constitute the core of this nation financial system and for them to be very effective in there banking business, they need to undertake efficient asset, and liabilities management.
This is also because none of the banking commercial banking function can achieves its potential profit for the banking unless the assets and liabilities are efficiently planned, executive and was managed. The management of the bank assets and liabilities is the pivotal catalytic function that brings together policies in the areas o0f loan, deposit investments and capital as they relater to each other.
The Impact Of Accounting Profession And Accounting Practice On Nigeria Economy
The Impact Of Ratio Analysis On Management Decision Making In An Organisation
Asset management is the term used to describe the allocation of fund among investment alternative. Liabilities management on the other hand consist of the activities involved in obtaining funds from depositors, other creditors and determining the appropriate unit of funds for a particular bank.
It requires consideration of the extra risk as well as the differences between the cost of obtaining funds and the return that can be earned when the funds are invested in loans or securities. This relationship between the assets and liabilities corporate and finance management is a critical determinant at the bank’s profitability.
Commercial bank’s assets and liabilities management involves their approach to over all balance sheet management it is often considered as an approach designed to control interest risk more precisely. It is method of designing the make up of asset and liabilities to ensure that their composition provides to risk return trade off deemed appropriate by management.
The management of asset and liabilities therefore should be based on the degree to which management is willing to accept higher returns.
OBJECTIVE OF THE STUDY
There is always a purpose behind every study or research work. This project is contested on assets and liabilities management in UBA bank, therefore the objective of the study are:
To explain the important of assets in the banks
To highlight the implication of financing banks of assets with liabilities
To examine the positive result of proper management of banks assets to the shareholders.
To examine a recommendation based on the finding.
STATEMENT OF THE PROBLEM
In essence, this study attempt to analyze how the UBA manages their balance sheet items especially operation for the loan function maintenance of adequate liquidity and how this contribute to the generate economic development.
SIGNIFICANCE OF THE STUDY
A measurement of the performance or efficiency of the management of any social economic system is usually a difficult task. In the case of commercial banks of the unit bank, this task is more difficult of problematic.
As cab be judged from our analyze above the recent development of banking in Nigeria have shown that the quality of banks management especially in areas of assets and liabilities of assets have been one of the major cause for distress.
Improving the qualities of assets and liabilities management therefore, would go along way in rendering the liabilities are not properly managed there could be over emphasizing of interest rate risk while not giving credit risk due concern.
A study of assets and liabilities management therefore, would bank performing efficiency and contribute to economics development.
SCOPE AND LIMITATION OF THE STUDY
Analysis of this study will be limited to activities of the UBA especially the management of her balance sheet items and performance for a received five year period that is 2004-2008.
In the analysis of the banks activities and performance for the period under review, comparison will be made to some extents with some
Other big banks namely, the First bank of Nigeria plc and Union bank of Nigeria plc, this is to know the extent to which UBA has performed in her assets and liabilities management
RESEARCH METHODOLOGY
The services of materials used in this project from both primary and secondary data includes question and interview while secondary data include textbooks, internets, journal and current annual report e.t.c
The method used to analyze the data is inferential statistic and descriptive analysis.
ORGANISATION OF THE STUDY
The study is divided into five chapters, chapter one is the background of the study, objective of the study, statement of the problem, significance of the study, scope and limitation of the study, research methodology, organization of the study, Definition of terms.
Chapter two deals with a review of literature, Chapter three deals with the methodology on which the study based. Analyzed of the data collected on the banking discussed in chapter four of the stud. Finally, the fifth of study deals with the summary, conclusion and recommendation.
DEFINITION OF TERMS
ASSETS MANAGEMENT:– This is the term used to described the allocation of funds running investment alternative.
LIABILITIES MANAGEMENT:- This consist of the activities involved in obtaining funds from depositor and other creditors.
LIQUIDITY:- This is banks capacity to acquire immediately available found from the central bank of Nigeria and other bank at a reasonable price.
LIQUIDITY ASSETS:- This is the quality of an assets that makes ir easily convertible into cash with title or no risk or loss.
PROFITABILITY:- This is concerned with the level of turnover that must be achieved in order to cover cost and leaves surplus.
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