EFFECT OF LIQUIDITY AND PROFITABILITY MANAGEMENT OF NIGERIA BANKING SECTOR (A STUDY OF POLARIS BANK PLC,GBOKO BRANCH)
Abstract
ABSTRACT
Theprimaryobjectiveofthisstudyistoinvestigatethe“effectofliquidityandprofitabilitymanagementintheNigeriabankingsector,astudyofPolarisBankPlcGbokobranch.Inothertoachievethisaim,thestudylookedatthespecificobjectives;todeterminetheimpactofcashmanagementonbank’sreturnonassets,toevaluateimpactofshareholders’capitalonbanks’returnonassetsandtoascertaintherelationshipbetweenloantodepositratioandreturnonassetsofbanks.Thestudyusedasurveyresearchdesign,theresearchinstrumentusedfordatacollectionwasthequestionnaire,thepopulationwas25datacollectedfrom24respondentswhichwasrandomlyselectedanddeterminedthroughTaroYamane’sformula.Dataobtainedwereanalyzedandfurthersubjectedtochi-squarestatisticaltool,statisticalpackageforsocialscience(SPSS)intestingthehypothesis.Findingrevealedthatthereissignificantrelationshipbetweencashmanagementandbank’sreturnonasset.Italsorevealedthatthereisasignificantrelationshipbetweenshareholders’capitalandbankreturnonasset.Findingalsoshowsthatthereisrelationshipbetweenloantodepositratioandreturnonassetonbanks.Theresearchtherefore,recommendsthat;banksshouldadheretotherulesandregulationsgoverningthemanagementofcashproperly,thereshouldmonitorcarefullyhowshareholders’capitalarebeentradedintheliquiditymarketandbanksshouldalwaysbewiseingivingoutloans.
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