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LIQUIDITY MANAGEMENT IN THE BANKING SYSTEM

ABSTRACT

This study seeks to evaluate the impact of liquidity management on the performance of Deposit Money Banks (DMBs) in Nigeria. Secondary data from the financial reports of fifteen listed DMBs in Nigeria covering a ten years period (2009-2018) were used as panel data for the study. The data was subjected to Jacque-bera test of normality as normality is a standardized requirement for any least square regression. To achieve the objective of the study, research hypotheses were formulated and tested. Five variables (current ratio, cash ratio, quick ratio, capital adequacy ratio and interest coverage ratio) were used as proxies for liquidity management and three variables (returns on asset, returns on equity and earnings per share) were used as proxies for performance. The Hausman test and random effect of panel least square were used for the data analysis while the t-test was used to test the formulated hypotheses at the 5% level of significance. The bi-variate regression results revealed that there are both positive and negative impacts of liquidity management on the performance of DMBs in Nigeria. The coefficient of determination of each models shows that significant proportions of the variables used as proxies for liquidity management were captured by the performance variables indicating that the model used in the study is a good fit. The Durbin Watson statistics also show the presence of positive serial correlation in all models used in the study. The results reveal that current ratio (t =-8.36, p=0.00); quick ratio (t = -3.52, p=0.00); capital adequacy ratio (t=-5.78, p=0.00) and interest coverage ratio (t=8.66, p=00) significantly affect the performance of DMBs in Nigeria, while cash ratio (t=1.86, p=0.06) does not significantly affect performance of DMBs in Nigeria. The study concludes that liquidity management affect the performance of DMBs in Nigeria and therefore recommends that the regulators should set up board of professionals to oversee liquidity management amongst DMBs in the country, on a regular basis in order to avoid liquidity problem that may ruin the banks.

TABLE OF CONTENT

Title page- – – – – – – – – i

Approval page – – – – – – – -ii

Dedication – – – – – – – – -iii

Acknowledgement – – – – – – – -iv

Abstract – – – – – – – – – -v

Table of content – – – – – – – -vi

CHAPTER ONE

INTRODUCTION – – – – – – – -1

1.0 Background of the study – – – – -1

1.1 Statement of the problem – – – – -5

1.2 Purpose of the study – – – – – -6

1.3 Significance of the study – – – – -8

1.4 Research questions – – – – – -9

1.5 Scope of the study – – – – – – -10

CHAPTER TWO

LITERATURE REVIEW – – – – – – -11

CHAPTER THREE

Research methodology – – – – – – -39

Design of study – – – – – – – -40

CHAPTER FOUR

Presentation, analysis and interpretation of data – -48

CHAPTER FIVE

Summary of findings – – – – – – -60

Conclusion – – – – – – – – -61

Recommendations – – – – – – – -62

Suggestions for further research – – – – -64

References – – – – – – – – -65

Appendix I – – – – — – – – -68

Questionnaire. – – – – – – – -69

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