Title page i

Certification ii

Dedication iii

Acknowledgement iv-vii

Table of content viii-ix


1.0 Introduction 1

1.1Background of the Study1-3

1.2 Statement of research Problem 3-4

1.3 Objective of the Study 4-5

1.4 Research Methodology 5-6

1.5Significance of the Study6-7

1.6 Scope of the Study 7

1.7 Plan and organization of the Study 7-8


2.0 Literature Review 9

2.1 Meaning and definition of Ratio 9

2.2Financial Ratio9-11

2.3 Users of financial Ratio 11-13

2.4 Concept of financial Ratio 13-14

2.5 Types of financial ratio liquidity and 

profitability  14-25


3.0 Research Methodology 26

3.1 Historical background of the case Study 26-35

3.2 Source of data Collection 35

3.2.1 Primary Source 35-37

3.2.2 Secondary Sources 37-38

3.3 Method of data Analysis 38

3.4 Limitation of the case Study 38-40


4.0 Data presentation and Analysis 41

4.1    Analysis of Data 41-57

4.2   Testing of Hypothesis 57-64

4.3   Findings 64-65


5.0 Summary, Conclusion and Recommendation 66

5.1 Summary 66-68

5.2 Conclusion 68-69

5.3 Recommendations 69-71

References 72

Questionnaire 73-76




In every system, there are major component that are paramount for the survival of the system. This is applicable to financial system. The banking institution had contributed significantly to the effectiveness of the entire financial system as they offer an efficient institution mechanism, through which resources can be mobilized and directed from less essential uses to more profitable and productive investment. The performance of these financial institutions has proved to be effective channel between savers and borrowers. These important roles are played by merchant banks, savings banks, the control banks and development banks.

The banking industry have overtime function in vital banks units facilitating the transfer of assets that are well desired from the public (fund lenders) into other financial assets which are more widely preferred by grater part of the public (fund sackers). Thus, banking industry becomes the bedrock of the two functions of Nigeria banking system, which are deposit mobilization and credit extension. Therefore, an adequate financial system requires the attention of the banks management of profits and liquidity, which are two conflicting goals of Nigeria banking system. Profits and liquidity are effective indicator of the corporate health and performance of not only the banking system (Elyelty 2004), but all profit oriented ventures.        

Therefore, these roles involves bringing together of people who have money and those who need money is crucial in this discussion. So also certain critical factors that are required to facilitate liquidity management and a stable, sound, competitive, financial system adequate regulating, and supervisory, framework and macro-economics capacity buildup.


 Liquidity on banks profit management in banking industry, the problem innocent in Nigeria banking system is inter-mediation roles, the bank of industry idle funds borrow from lenders to investment such funds indifferent classes of portfolio. Such business activities of the banks is not without problems since the deposit from these funds savers invested by the banks profit maximization can be record and demanded when the later is not in position to meet their financial obligation so also considering the public laws of confidence as a result of banks distress which bedeviled the financial sector in Nigeria

 They intensified competition in the banking sector as a result of terrific emergence of large number of new banks. The problems then become how to identify the optimum point or the level at which banks industry can maintain its assets in other to optimize these two objectives; since each of the liquidity has a different effect on the level of profit. So also profit maximization as the resulted liquidity can lead to both technical and legal insolvency with consequence of low patronage and deposit flight; erosion asset base; other problems includes, excess liquidity, balancing the proportion of the deposit that will be demanded by the depositors at any point in time, and finally accurate selection of the factor that influence the level on banks liquidity possess some problems. All these problems are what the study intends to consider.


The primary objective of the study will be to examine the significance of the liquidity and profit management to efficient, continuity and evolution of Nigeria banking industry. Other objective includes;

 _To investigate the issue of profit and liquidity management.

_To evaluate the extent to which profit and liquidity affect other elements of the banks managements.

_How banks can enhance their liquidity effect on other element of the bank management.

­_How banks can enhance their liquidity and profits position.


 This study is predominantly base on data derived from both primary and secondary source. The primary data shall be collected through questionnaire because it provides a cheap means of collecting information from a greater number of people. Also it enables us to reach out respondent who are otherwise inaccessible.

In respect of secondary data which shall be collected, will consist mainly extraction of information from performance service report of the banks and the journal, the secondary data will be collected from newspaper, textbook, unpublished lecture note, internet research work, seminal official publication and historical document which hope will provide an insight into the history of liquidity and profit management in banking industry and its effects on the banks.

  In analyzing data, the descriptive method of analyzing data shall be used. This involves simple calculation of data and interpreting the graph and charts.


The importance of the study will be to account for factor responsible for inherent challenges confronting banks of industry in managing liquidity and profits in the bank. Also it will contribute to human knowledge and complement other literature in the field of accounting, economics and banking.


The main purpose of this research work is to study the general basic principle applicable in liquidity and profits management in Nigeria banking industry. Therefore, the study will critically examine the component of profits and liquidity of banks of industry at a glance through treasury management.


 This research work will be organized into five chapters.

Chapter one is the introductory aspect of the work which deals with background of the study, statement of the problem, objective of the study, scope of the study, research methodology and organization of the study.

 Chapter two will also include literature review breakdown into sub-heading.

Chapter three will also contain research methodology of the bank used as a case study.

Chapter four is basically the body of research. It examined the liquidity and profits management in banks of industry.

Chapter five will consist of the summary and the conclusion of the whole chapter of the project and the recommendation.



RESEARCHWAP.COM is an online repository for free project topics and research materials, articles and custom writing of research works. We’re an online resource centre that provides a vast database for students to access numerous research project topics and materials. guides and assist Postgraduate, Undergraduate and Final Year Students with well researched and quality project topics, topic ideas, research guides and project materials. We’re reliable and trustworthy, and we really understand what is called “time factor”, that is why we’ve simplified the process so that students can get their research projects ready on time. Our platform provides more educational services, such as hiring a writer, research analysis, and software for computer science research and we also seriously adhere to a timely delivery.


Please feel free to carefully review some written and captured responses from our satisfied clients.

  • "Exceptionally outstanding. Highly recommend for all who wish to have effective and excellent project defence. Easily Accessable, Affordable, Effective and effective."

    Debby Henry George, Massachusetts Institute of Technology (MIT), Cambridge, USA.
  • "I saw this website on facebook page and I did not even bother since I was in a hurry to complete my project. But I am totally amazed that when I visited the website and saw the topic I was looking for and I decided to give a try and now I have received it within an hour after ordering the material. Am grateful guys!"

    Hilary Yusuf, United States International University Africa, Nairobi, Kenya.
  • " is a website I recommend to all student and researchers within and outside the country. The web owners are doing great job and I appreciate them for that. Once again, thank you very much "" and God bless you and your business! ."

    Debby Henry George, Massachusetts Institute of Technology (MIT), Cambridge, USA.
  • "I love what you guys are doing, your material guided me well through my research. Thank you for helping me achieve academic success."

    Sampson, University of Nigeria, Nsukka.
  • " is God-sent! I got good grades in my seminar and project with the help of your service, thank you soooooo much."

    Cynthia, Akwa Ibom State University .
  • "Great User Experience, Nice flows and Superb functionalities.The app is indeed a great tech innovation for greasing the wheels of final year, research and other pedagogical related project works. A trial would definitely convince you."

    Lamilare Valentine, Kwame Nkrumah University, Kumasi, Ghana.
  • "Sorry, it was in my spam folder all along, I should have looked it up properly first. Please keep up the good work, your team is quite commited. Am grateful...I will certainly refer my friends too."

    Elizabeth, Obafemi Awolowo University
  • "Am happy the defense went well, thanks to your articles. I may not be able to express how grateful I am for all your assistance, but on my honour, I owe you guys a good number of referrals. Thank you once again."

    Ali Olanrewaju, Lagos State University.
  • "My Dear Researchwap, initially I never believed one can actually do honest business transactions with Nigerians online until i stumbled into your website. You have broken a new legacy of record as far as am concerned. Keep up the good work!"

    Willie Ekereobong, University of Port Harcourt.
  • "WOW, SO IT'S TRUE??!! I can't believe I got this quality work for just 3k...I thought it was scam ooo. I wouldn't mind if it goes for over 5k, its worth it. Thank you!"

    Theressa, Igbinedion University.
  • "I did not see my project topic on your website so I decided to call your customer care number, the attention I got was epic! I got help from the beginning to the end of my project in just 3 days, they even taught me how to defend my project and I got a 'B' at the end. Thank you so much, infact, I owe my graduating well today to you guys...."

    Joseph, Abia state Polytechnic.
  • "My friend told me about ResearchWap website, I doubted her until I saw her receive her full project in less than 15 miniutes, I tried mine too and got it same, right now, am telling everyone in my school about, no one has to suffer any more writing their project. Thank you for making life easy for me and my fellow students... Keep up the good work"

    Christiana, Landmark University .
  • "I wish I knew you guys when I wrote my first degree project, it took so much time and effort then. Now, with just a click of a button, I got my complete project in less than 15 minutes. You guys are too amazing!."

    Musa, Federal University of Technology Minna
  • "I was scared at first when I saw your website but I decided to risk my last 3k and surprisingly I got my complete project in my email box instantly. This is so nice!!!."

    Ali Obafemi, Ibrahim Badamasi Babangida University, Niger State.
  • To contribute to our success story, send us a feedback or please kindly call 2348037664978.
    Then your comment and contact will be published here also with your consent.

    Thank you for choosing