The study of liquidity management in banks with particular reference on Union Bank Plc.  Okpara   Avenue Branch and Nice Community Bank  Amawbia Awka.

Chapter one looked into the liquidity and profitability position in order to find out why banks needs to be move liquid than any other financial institutions as well as business Organization.  The aim is to final a lasting solution to in eliminate fund shortages and inability of some banks to provide a required liquid when called upon on emergencies.

A significance number of literature relating to the subjects matter were reviewed and in all they agreed that liquidity management in most banks are as a result of fraud and other financial malpractices, it is also noted that some bad depths are as a result of giving loans without requesting for collateral. 

Through in hypothesis test II and table 4:1:4 the data analysis and presentation shows that banks strictly select those that mind their vaults or treasury but it does not stop the funds and other malpractices. 

The study recommended that banks should keep liquid in excess to solve the problem of inadequacies and delicacies and to close the gap of scarcity of fuels and such like problem and they should relate to other branches and cash centers when ever there is a signal of low centers when ever there is a signal of low liquid by the head of treasury.

It is also agreed that in spite of interest intent being made by banks that Nise community bank should go into foreign exchange services and other related services like treasury bills to promote them profitability. 

Finally the researcher concluded that government should intervene in this case so as to authorize community banks in foreign advances and to put to a stop of regulations of CBN over keeping certain amount to eliminate fuel scarcity and such like problems.

TABLE OF CONTENTS

Title page

Approval page

Dedication

Acknowledgement

Abstract

Table of content

CHAPTER ONE 

INTRODUCTION

1.1 Background of the study

1.2 Statement of problem

1.3 Purpose of the study

1.4 Scope of study

1.5 Research questions

1.6 Research hypothesis

1.7 Significance of the study

1.8 Definition Of Terms

    Reference

CHAPTER TWO 

REVIEW OF RELATED LITERATURES 

2.1 The function of commercial and community Banks

2.2 Commercial and community bank assets and theories of assets management

2.3 Commercial and community banks investment management 

2.4 The liquidity approach to commercial and community bank managem

2.5 Theories of bank liquidity management

2.6 Differences and similarities of liquidity management in commercial and community Banks 

2.7 The history of union bank plc 

2.8 The history of nice community bank

    Reference 

CHAPTER THREE 

RESEARCH DESIGN AND METHODOLOGY 

3.1 Research design

3.2 Area of the study 

3.3 Population of the study

3.4 Sample and sampling procedure / techniques

3.5 Instrument for data collection 

3.6 Variation of the instruments

3.7 Reliability of the instruments

3.8 Method of data collection

3.9 Method of data analysis 

CHAPTER FOUR 

PRESENTATION AND ANALYSIS OF DATA 

4.1 Presentation & analysis of data

4.2 Testing of hypothesis

4.3 Summary of result

    Reference

CHAPTER FIVE 

RESEARCH DISCUSSION, RECOMMENDATION AND CONCLUSION 

5.1 Discussing of result / findings 

5.2 Conclusion

5.3 Implication(s) of research finding. 

5.4 Recommendation

5.5 Suggestion for further research

5.6 Limitation of study

    Reference

    Bibliography

    Appendices