ANALYSIS OF FUND MANAGEMENT IN PROVIDING A SOUND BANKING SYSTEM IN NIGERIA
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TITLE PAGE
ANALYSIS OF FUND MANAGEMENT IN PROVIDING A SOUND BANKING SYSTEM IN NIGERIA
BY
---
EE/H2013/01430
DEPARTMENT OF ----
SCHOOL OF ---
INSTITUTE OF ---
DECEMBER,2018
APPROVAL PAGE
This is to certify that the research work, "analysis of fund management in providing a sound banking system in nigeria" by ---, Reg. No. EE/H2007/01430 submitted in partial fulfillment of the requirement award of a Higher National Diploma on --- has been approved.
By
--- . ---
Supervisor Head of Department.
Signature………………. Signature……………….
……………………………….
---
External Invigilator
DEDICATION
This project is dedicated to Almighty God for his protection, kindness, strength over my life throughout the period and also to my --- for his financial support and moral care towards me.Also to my mentor --- for her academic advice she often gives to me. May Almighty God shield them from the peril of this world and bless their entire endeavour Amen.
ACKNOWLEDGEMENT
The successful completion of this project work could not have been a reality without the encouragement of my --- and other people. My immensely appreciation goes to my humble and able supervisor mr. --- for his kindness in supervising this project.
My warmest gratitude goes to my parents for their moral, spiritual and financial support throughout my study in this institution.
My appreciation goes to some of my lecturers among whom are Mr. ---, and Dr. ---. I also recognize the support of some of the staff of --- among whom are: The General Manager, Deputy General manager, the internal Auditor Mr. --- and the ---. Finally, my appreciation goes to my elder sister ---, my lovely friends mercy ---, ---, --- and many others who were quite helpful.
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TABLE OF CONTENT
Title Page i
Certification ii
Dedication iii
Acknowledgements iv
Proposal vi
Table of contents xiii
CHAPTER ONE: INTRODUCTION
1.1 Background to the study 1
1.2 Statement of the research 1
1.3 Research Question 2
1.4 Objectives of the study 2
1.5 Research hypothesis 3
1.6 Significance of the study 4
1.7 Scope and limitation of the study 4
1.8 Definition of key Terms 5
1.9 Organization of the study 6
CHAPTER TWO: LITERATURE REVIEW
2.1 Literature Review 8
2.2 Meaning of Fund Management 9
2.3 Cash planning 10
2.4 Cash budget 11
2.5 Functions of Commercial Bank 12
2.6 Cash Balance Required 13
2.7 Cash Balance to Current assets Ratio 14
2.8 Facts of cash management 15
2.9 Need for Holding cash 17
2.10 The creation of fund by money Deposit Bank 19
2.11 Quantities Associated with credit 20
2.12 Commercial bank and Economic Development 21
2.13 Investment of Excess cash 22
2.14 Internal control of cash 23
2.15 Limitation of credit creation 24
CHAPTER THREE:
3.0 Research Methodology 26
3.1 Research design 26
3.2 Sources of data collection 28
3.3 Population and sample size 28
3.4 Sampling technique 29
3.5 Method of data analysis 29
3.6 Limitation of the study 29
CHAPTER FOUR: DATA PRESENTATION, ANALYSIS AND INTERPRETATION
4.1 Data presentation 30
4.2 Data analysis 31
4.3 Data interpretation 33
CHAPTER FIVE: SUMMARY, CONCLUSION AND RECOMMENDATIONS.
5.1 Summary 36
5.2 Conclusion 37
5.3 Recommendation 38
References
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
The central Bank of Nigeria is a federal government bank. It is referred to as the father of all banks in the county as it is responsible for issuing currencies and regulating country’s monetary policies. The Nigeria commercial banks are controlled by the central bank through its clearing houses. A system by which inter-bank, in-datedness is settled. There are twenty five banks in Nigeria with commercial banks in Nigeria carryout other banking functions, they concentrate mostly on deposit banking.
The management of fund in commercial banks with particular reference to union banks of Nigeria plc is the topic review in the project. They make up of the firms, capital structure, the management of fund, motive of holding’ money, the firm financial statement to outsiders and its operations are the subject matter of the review.
1.2 STATEMENT OF THE RESEARCH PROBLEM
In this Era of bank distress, management of funds has been a matter of concern to banks, government and customers alike. The language of business is money and banks are the custodial of money.
Based on these parlances, it will not be out of time to conduct a research on fund management in commercial banks, using union bank plc as a case study.
1.3 RESEARCH QUESTIONS
The project work is intended to review the management of funds of commercial banks with particular reference of union banks of Nigeria plc.
As a result of this, the following question arise
1. What is the bank’s sources capital of fund?
2. What constitute the bank’s capital structure?
3. How does the bank manage its cash?
4. What are the functions of the banks regarding cash management?
5. What is the economic importance of bank?
6. What are the other kinds of service rendered by the bank?
7. What are the effects of environmental and structural change?
1.4 THE OBJECTIVES OF THE STUDY
The objectives of the study are as follows,;.
- To define the term “fund management”
- To identify’ the functions of commercial banks
- To critically examine fund management in commercial banks
- To appraise the problems encountered by banks in the management of its fund.
5. To ascertain roles of commercial banks in business development.
6. To make recommendation as to how commercial banks can manage it funds prudently.
1.5 RESEARCH HYPOTHESIS
In the course of this research work, the following hypotheses will be tested.
Hi: analysis of funds management does not bring about efficient use to limited resource and sound banking system in the environment.
Ho: analysis of fund management in providing a sound banking system in Nigeria will bring about efficient us of a limited resources and sound banking in the environment.
1.6 SIGNIFICANCE OF THE STUDY
It is imperative to mention here that the topic analysis of fund management” is a rare topic.
This write up will help to receive the mind rating managers the importance of management of funds.
The study will provides a frame work of knowledge that will assist the existing and potential commercial banks in Nigeria.
Commercial banks will find it useful in developing a good operations system of their banking activities. The knowledge of the study will not double contribute greatly to the much talked about economy as management of cash is a major factor in a country’s economy.
1.7 SCOPE AND LIMITATION OF THE STUDY TIME CONTRANT INADEAUTE FENL IMUFFICIENT DATA.
The scope of the study is to carry out an in-dept investigation, unto fund management in Nigeria commercial Banks using union bank plc as case management.
1.8 DEFINITION OF KEY TERM
• Management:- this term is used here in relation to fund it includes the process of safe-guarding cash, controlling cash and marketable securities fore-casting cash requirement as well as appraisal of investment opportunities for cash and research items towards generating more profit.
• Cash:- it is defined as money or legal tender that constitute negotiable instrument which could be used to settle any contractual obligation fund and cash can be used interchangeably.
. Cheque:- a cheque is an unconditional order in writing whereby a person instructs his bankers to pay on demand a stated sum of money from his current account to a named person.
• Liquidity: this is the nearness to cash of assets, it is the state of being able to raise fund easily be selling off the assets of company.
. Float time:-this is the length of time necessary for a cheque to make its way from the issue to the payer back, the clearing process until the cheque is charge against the issuing account.
• Solvency:- this is the ability to meet debt payment on due dates by having money available in from of cash.
Bank draft:-these are bills of exchange by one banker to another; they form a convenient means of remitting money.
- Over draft:- this is the amount granted to a customer by the bank. The customer drawn more than what is inside his account.
- Bill of exchange:- it is an unconditional order in writing addressed by one person to another, signed by the person giving it requiring the person whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain of money to or the order of a specified person.
• Dormant account:- this is an account which has not been operated for long (one year and above) no operation will be all owned on it including payment of interest until it is reactivated with an explanation to the bank by the customer.
• Certified cheque:-the cheque issued by the bank to a customer on demand with the work “certified payment f the cheque is contain.
1.9 ORGANIZATION OF THE STUDY
The study is divided into five chapters,;.
chapter one; is the introduction which contains background of the study, statement of the research, research question, objectives of the study, research hypothesis, significance of the study, scope and limitation of the study, definition of key terms and organization of the study.
Chapter two: is the literature review which contains literature review, meaning of fund management, cash planning, cash budget, functions of money deposit bank, cash balance required, cash balance to current ratio, facets of cash management, need for holding cash, the creation of fund by money deposit bank, quantities associated with credit, commercial bank and economic development, investment of excess cash, and internal control of cash and limitation of credit creation.
Chapter three:- is the research methodology which contain research design, sources of data collection, population and sample size, sampling technique, method of data analysis and limitation of the study.
Chapter four:-is the data presentation, analysis and interpretation which contains data presentation, data analysis and data interpretation.
CHAPTER TWO: The chapter one of this work has been displayed above. The complete chapter two of "analysis of fund management in providing a sound banking system in nigeria" is also available. Order full work to download. Chapter two of "analysis of fund management in providing a sound banking system in nigeria" consists of the literature review. In this chapter all the related work on "analysis of fund management in providing a sound banking system in nigeria" was reviewed.
CHAPTER THREE: The complete chapter three of "analysis of fund management in providing a sound banking system in nigeria" is available. Order full work to download. Chapter three of "analysis of fund management in providing a sound banking system in nigeria" consists of the methodology. In this chapter all the method used in carrying out this work was discussed.
CHAPTER FOUR: The complete chapter four of "analysis of fund management in providing a sound banking system in nigeria" is available. Order full work to download. Chapter four of "analysis of fund management in providing a sound banking system in nigeria" consists of all the test conducted during the work and the result gotten after the whole work
CHAPTER FIVE: The complete chapter five of design and construction of a "analysis of fund management in providing a sound banking system in nigeria" is available. Order full work to download. Chapter five of "analysis of fund management in providing a sound banking system in nigeria" consist of conclusion, recommendation and references.
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