Survival Strategies in Treasury Management in the Face of Global Credit Crunch.
ABSTRACT
This research work was designed to examine survival strategies in treasury management in the face of the global credit crunch. As a prerequisite toward the accomplishment of this research work, questionnaires were administered to the management and staff of the banks under study.
The data collected from the questionnaires were analyzed using percentage analysis and hypotheses were tested using the chi-square statistical technique.
From the analysis of the data collected, the following findings were made. A significant relationship exists between the treasury position of commercial banks and their profitability
. The global credit crunch has an impact on the treasury management of commercial banks in Nigeria.
In summary, treasury management comprises fund acquisition and enables banks to mandate its risk and thereby helped to sustain public confidence in the operation of the banking institution which in turn leads to move patronage and consequently more profit. Base on these findings, the following recommendation was also made.
Banks must always ensure it meets up with the statutory legal requirement within the permissible ranges. C.B.N should ensure banks meet up with the statutory legal reserve requirement within the permissible ranges. Failure to do this exposes the bank to penalties that are assessed on shortfalls by the regulatory.
TABLE OF CONTENTS
Title page
Approval page
Dedication
Acknowledgment
Abstract
Table of contents
CHAPTER ONE
1.0 Introduction
1.1 Background of the study
1.2 Statement of the problems
1.3 Objectives of the study
1.4 Research Question
1.5 Statement of the study
1.6 Significance of the study
1.7 Scope of the study
1.8 Limitation of the study
1.9 Definition of terms
CHAPTER TWO
2.0 Literature review
2.1 Introduction
2.2 Background of the Global Credit Crunch
2.3 defined and causes of Credit Crunch
2.4 Role of treasury management in global
2.5 Techniques for Treasury management
2.6 How credit crunch occurs and its impact on the Nigerian economy
2.7 risks associated with the various techniques for treasury management
2.8 solutions possible global credit crunch
2.9 Comparative analysis between first bank and intercontinental Bank Nig Plc
CHAPTER THREE
3.0 research design and methodology
3.1 Introduction
3.2 Research design
3.3 Sources and methods of data collection
3.4 Population and sample size
3.5 Sample technique
2.6 Validity and reliability of measuring instrument
2.7 Method of data analysis
CHAPTER FOUR
4.0 Presentation and analysis of data
4.1 Introduction
4.2 Presentation of data
4.3 Analysis of data
4.4 Test of hypothesis
4.5 Interpretation of result
CHAPTER FIVE
5.0 Summary Conclusion and recommendation
5.1 Introduction
5.2 Summary of finding
5.3 Conclusion
5.4 Recommendation
Bibliography
Appendix
INTRODUCTION
Background of the study
One issue that has become worrisome and of much concern in the banking industry is the issue of treasury management. It is noteworthy that between 1929 and 1959, as many as twenty-seven indigenous banks were registered in Nigeria by at the turn of independence in 1960, daily four of them stayed afloat.
The Babangida administration deregulation program let to an astronomical increase in the number of banks and other financial institutions operating in the country. By 1994 there were a total of 129 banks operating in the country
Out of the number, only about 20% were in good health. The remaining 80% want either distressed or terminally ailing resulting in the liquidation of many of them. The fallout from heightening of competition in the industry forcing many banks to adopt consolidates their existence.
In the banking system a good bank manager anywhere anytime will tell you that the three most important words in his business dictionary are profitability, liquidity, and solvency.
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