TABLE OF CONTNETS
Title Page i
Certificate ii
Dedication iii
Acknowledgement iv
Table of Contents vi
CHAPTER ONE
1.0 Introduction
1.1 Background
of the Study 1
1.2 Statement
of the Research Problems 2
1.3 Research
Question 3
1.4 Objective
of the Study 4
1.5 Research
Hypothesis 5
1.6 Significance of the Study 5
1.7 Scope and limitation of the study 6
1.8 Definition of Key Terms 7
1.9 Organization
and Plan of the Study 10
CHAPTER TWO
2.0 Literature Review
2.1 Historical Background 17
2.2 Definition
of Cash Management 22
2.3 Meaning
of Fund Management 23
2.4 Cash
Planning 24
2.5 Cash
Budget 26
2.6 Function
of Deposit Money Bank 28
2.7 Cash
Balance Required 31
2.8 Cash
Balance to Current Assets Ratio 32
2.9 Effect
of Cash Management 32
2.10 Need for Holding Cash 34
2.11 The Creation of Money by Deposit Money
Bank 37
2.8 Qualities
Associated with Credit 38
2.9
Investment of Excess Cash 42
2.11 Internal Control of Cash 43
2.12 Limitation of Credit Creation 45
CHAPTER THREE
3.0 Research Methodology 50
3.1 Sources
of Data Collection 51
3.2 Population
and Sample Size 52
3.3 Sampling
Technique 52
3.4 Method
of Data Analysis 52
3.5 Limitation
of the Study 53
CHAPTER FOUR
Data Presentation, Analysis and Interpretation
4.1 Data
Presentation 54
4.2 Five
years financial summary for the
Year
31st March, 2015. 58
CHAPTER FIVE
Summary, Conclusion and Recommendations
5.1 Summary 61
5.2 Conclusion 63
5.3 Recommendations 64
References
66
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. The country as it is responsible for issuing currency and
regulating the countries monetary policies. The Nigeria deposit money banks are
controlled by the central bank through it clearing house. A system by which
inter-bank through debtless is settled. There are twenty two banks in Nigeria
with commercial bank account for more than half of numbers. Although deposit
money banks in Nigeria carry out other banking functions they concentrate
mostly on deposit banking.
The management
of fund is deposit money bank particular reference to Union Bank of Nigeria Plc
is the topic reviews in the project. They make up of the firm’s capital
structure the management of fund, motive of holding money, the firm financial
statement to outsiders and its operation are the subject matter of the review.
1.2 STATEMENT OF THE RESEARCH PROBLEM
In this era of
bank distress management finds has been a matter of concern to banks and government
even the customers. The statement of the research problems are as follows under
the creation of credit, the deposit money bank ability of Union Bank PLC,
Ilorin.
i.
The monetary Authorities actions: the central
bank has a number of measure that include, adjusting the bank ratio.
ii.
Government Legislation: the withdrawal of
government accounts restrict deposit money bank ability to create credit.
iii.
The probability of cash drain of other bank.
1.3 RESEARCH QUESTIONS
The project
work is intended to review the management of fund of commercial banks with
particular reference to Union Banks of Nigeria Plc Ilorin.
As a result of
this the following questions arise.
i. What are the
banks sources and application funds?
ii. What constitute
the bank’s capital structure?
iii. How does the
bank manage its cash?
iv. What is the function of the bank regarding
cash management?
v. What are the
economy importances of banks?
vi. What are other
kinds of service rendered by banks?
vii. What are the effects of environmental and
structural change to?
1.4 THE OBJECTIVES OF THE STUDY
The objectives of the study are as follows:
i. To define the
term fund management
ii. To identify the various function of
commercial banks.
iii. To critically examine fund management in
commercial banks.
iv. To appraise the problems encountered by
banks in the management of it funds.
v. To ascertain the roles of commercial banks
in business development.
vi. To make recommendation as to how commercial
bank can manage it funds prudently.
1.5 RESEARCH
HYPOTHESIS
In the courses of the research
work, the following hypothesis will be tested H0: analysis of funds
management do not provide a sound banking system in Nigeria Hi: Analysis
of fund management provide sound banking system in Nigeria.
1.6 SIGNIFICANCE OF THE STUDY
It is
imperative to mention here that the topic ‘Analysis of Fund Management rare
topic’.
This write up
will help to receive the mind rating managers to the importance of managing
fund as well as suggest to them better techniques to be used in the management
of funds. The study will provide 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 operation system of their
banking activities. The knowledge of the study will no doubt contribute greatly
to the mush take about economy as management of cash is a major factor in a
country’s economy.
1.7 SCOPE AND
LIMITATION OF THE STUDY
The scope of the study is to carryout on depth
investigation into fund management in Nigeria deposit money bank using Union
bank Plc Ilorin as a case management in providing the research project work,
the following problems were encountered.
1. Luke
warm attribute from respondent as they treat all information.
2. Embarrassment
during the conducting or collecting information from the workers of Union bank.
3. Pressure
of work for the workers of Union Bank.
1.8 DEFINITION OF KEY TERM
i. MANAGEMENT:
This term used here in relation to fund. It include the process of
safe-guarding cash, controlling cash and marketable securities forecasting cash
requirement as well as appraisal of investment opportunities for cash and
research items towards generating more profit.
ii. CASH:
Define 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.
iii. CHEQUE:
A cheque is an unconditional order in writing whereby a person instruct his
bankers to pay on demand a stated sum of money from his current account to a
named person.
iv. LIQUIDITY:
This is the nearness to cash of assets, it is the state of being able to
raise fund easily by selling off the assets of a company.
v. FLOAT
TIME: This is the length of time necessary for a cheque to make its way
from the issuer to the player back the clearing process until the cheque is
charge against the issuing account.
vi. SOLVENCY:
This is the ability to meet debt payment on due date by having money available
in firm of cash.
vii. BANK
DRAFT: These are bill of exchange drawn by one banker to another. They firm
a convenient means of remitting money.
viii. OVER
DRAFT: This is the amount granted to a customer by the bank. The customer
drawn more than what is inside his account.
ix. 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 to 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.
x. DORMANT
ACCOUNT: This is an account which has not been operating for long (one year
and above) no operation will be allowed on it including payment of interest
until it is reactivated with an explanation to the bank by the customer.
xi. CERTIFED
CHEQUE: This is cheque issue by the bank to a customer on demand with the
work certified payment of a cheque is contain.
xii. MAIL
AND TELEGRAPHIC TRANSFER: These means of remitting fund from one bank to
another in different vocation.
xiii. BANKERS
PAYMENTS: This is an instrument used to settle inter-bank payments within
the same clearing town. It is usually presented throughout clearing house.
xiv. FUND: The
term fund can be derive in three ways it mean (i) cash (ii) working capital
(different between current assets and current liability) (iii) finance resource
(arising from both current and non-current assets).
1.9 ORGANIZATION AND PLAN OF THE STUDY
The study is
divided into fine chapter, chapter one: is the introduction which contains
background, statement of the problem, objectives, significance of the study,
research question, scope, organization of the study and the definition of the
key terms.
Chapter two: it
deals with literature review which contains definition of cash management,
meaning of fund management, function of commercial banks, fact of cash
management, cash planning cash, budget cash flour statement, cash balance
required and limitations to credit creations.
Chapter three:
is research methodology which contains historical profile of Union Bank of
Nigeria Plc Ilorin, Data Analysis, Population and Sample Size and Sampling
techniques.
Chapter four:
is data presentation and analysis.
Chapter five:
consist of the summary, conclusion and recommendations.
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