LIQUIDITY PROBLEM IN COMMERCIAL BANKS

COMPLETE PROJECT  MATERIAL COST 5000 NAIRA OR $10 , 

. A FRESH TOPIC NOT LISTED ON OUR WEBSITE COST 50,000 NAIRA ( UNDERGRADUATE) OR 100,000 FOR SECOND DEGREE STUDENTS. $500. PLUS  FREE SUPPORT UNTIL YOU FINISH YOUR PROJECT WORK. CONTACT US TODAY, WE MAKE A DIFFERENT. DESIGN AND WRITING IS OUR SKILLED.  DESIGN AND WRITING IS OUR SKILLED.

Note: our case study can be change to suit your desire location . we are here for your success.

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Foreign Transaction For Dollars Payment :
Bank Name: GTBank
Branch Location: Enugu State,Nigeria.
Account Name: Chi E-Concept Int’l
 Account Number:  0117780667. 
Swift Code: GTBINGLA 
Dollar conversion rate for Naira is 175 per dollar. 

ATM CARD:  YOU CAN ALSO MAKE PAYMENT USING YOUR ATM CARD OR ONLINE TRANSFER. PLEASE CONTACT YOUR BANKER SECURITY GUIDE ON HOW TO TRANSFER MONEY TO OTHER BANKS USING YOUR ATM CARD. ATM CARD OR ONLINE BANK TRANSFER IS FASTER FOR QUICK DELIVERY TO YOUR EMAIL . OUR MARKETER WILL RESPOND TO YOU ANY TIME OF THE DAY. WE SUPPORT CBN CASHLESS SOCIETY. 

OR
PAY ONLINE USING YOUR ATM CARD. IT IS SECURED AND RELIABLE.

form>DELIVERY PERIOD FOR BANK PAYMENT IS  LESS THAN 2 HOURS

How to transfer from your bank account to All  Nigeria banks without internet

1. Access Bank:
—-*901#

2. EcoBank:
—-*326#

3. Fidelity Bank:
—-*770#

4. FCMB:
—-*389*214#

5. First Bank
—-*894#

6. GTB:
—-*737#

7. Heritage Bank:
—-*322*030#

8. Keystone Bank:
—-*322*082#

9. Sky Bank:
—-*389*076*1#

10. Stanbic IBTC:
—-*909#

11. Sterling Bank:
—-*822#

12. UBA:
—-*389*033*1#

13. Unity Bank:
—-*322*215#

14. Zenith Bank:
—-*966#

15. Diamond Bank
—-*710*555#

To know your BVN, dial
—-*565*0#.

E.g for First bank…   *894 *Amount *Acct. No. #

Please dail d code from d number u used to register d account from the bank

CALL OKEKE CHIDI C ON :  08074466939,08063386834.

AFTER PAYMENT SEND YOUR PAYMENT DETAILS TO

08074466939 or 08063386834, YOUR PROJECT TITLE  YOU WANT US TO SEND TO YOU, AMOUNT PAID, DEPOSITOR NAME, UR EMAIL ADDRESS,PAYMENT DATE. YOU WILL RECEIVE YOUR MATERIAL IN LESS THAN 2 HOURS ONCE WILL CONFIRM YOUR PAYMENT.

WE HAVE SECURITY IN OUR BUSINESS.   

MONEY BACK GUARANTEE

 

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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.

 

• SIGNIFICANCE OF THE STUDY

This research will also help the monetary authorities in no

small way towards the formulation and the