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TABLE OF CONTENT

CHAPTER ONE

Introduction                                                                                      1

1. Background of the study                                                         1
2. Statement of problem                                                              6
3. The purpose of objective of the study                                     7
4. Research questions                                                                  8
5. Hypothesis where application                                                 8
6. Significance or rationale of the study                                      9
7. Scope of the study                                                         10
8. Definition of terms                                                         11

CHAPTER TWO

1. Review Of Literature                                                      13

CHAPTER THREE

1. Research design and Methodology                                29
   1. Research design                                                                       29
   2. Area of the study                                                                     32
   3. Population of the study                                                           33
   4. Sample and sampling procedure                                             33
   5. Instrument for data collection                                                 34
   6. Validity of the instrument                                                       35
   7. Reliability of the instrument                                                    35
   8. Method of Administration of the instrument                           36
   9. Method of data analysis                                                          36

CHAPTER FOUR

Data presentation and results summary of result/findings                39

4.1     Summary of result/findings                                                     39

4.2     Test of hypothesis                                                                   49

 

CHAPTER FIVE

5.0     Discussion Implication and Recommendations             53

1. Discussion of results                                                       53
2. Conclusions                                                                   53
3. Implication of the Results                                              54
4. Recommendations                                                         54

5.5    Suggestion for Further study                                          55

5.6     Limitation of the study                                                  56

References                                                                      57

Appendices                                                                    57

 

List of table

Tables 3.9.1,    3.9.2,    3.9.3,    3.9.4,

Tables 4.1.1

 

 

 

 

 

 

ABSTRACT

Working capital is known to be the background and life wire of any business organizations in every part of the world.  This makes it imperative that there should be efficient management of working capital, to help in reducing constant incidents/cases of banks distresses (i) Banking industry since this has been a source worry to the users of financial statements.  Consequently this project has attempted to give an expository discussion on the management of working to enhance the continuity industry to enhance the continuity of banking industry, with a particular interest in united bank for Africa plc Enugu.

It thus gave hits on how bank managers should manage financial distress banks where such signs of distress situations tries to occur.

Conclusions arising form this research are both outstanding and helpful too.

 

 

 

CHAPTER ONE

INTRODUCTION

1.1     BACK GROUND OF THE STUDY

          The management of working capital is vital in the management of the bank’s current account which include current assets and current assets and current liabilities.  This explains the various forms of current assets and current liabilities adjustments which a bank can make in order to meet its required working capital.  Working capital is of two types, gross type and net type.

          The gross type  refers to the bank’s investments in current assets, this means those assets which can be means those assets which can be converted into cash within accounting year, like short term securities, debtors bills receivable, stock and cash. 

          The net type is the difference between current assets and current liabilities.  Current liabilities means those claims of outsiders which are expected to mature for payment within an accounting year, such as creditor, bank overdraft and bills payable.  Net working capital occurs when current assets exceeds current liabilities.

The management of working capital is one of the important aspects of the bank’s overall financial management.  This is because efficiency in this area is necessary in order to ensure the bank long-term success and achieve its overall goal which is the maximization of owners wealth.

A certain level of working capital is required for operation in the banking industry.  This level of working capital of a bank constitutes the cash holding or near cash holding or near cash assets required of a bank by a statue of the government or it should be noted  however, that the level of working capital do not directly earn the bank any income when it is all allowed to be held in cash form, that is idle cash.

The main purpose of establishing commercial banks to operate is to make profit for the shareholders.  In that regards, banks as well as other profit seeking enterprises strive to increase their net income and presence value of their assets.  While recognizing this, the immediate concern of the bank manger is to provide sat

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