CHAPTER ONE

1.1  INTRODUCTION

          There are some complex problems which are common in almost all financial institutions. One of these problems is assets and liability management. Proper analysis and diagnosis of this crucial task of any financial oriented organization has been neglected or over looked in the past and has led to the folding up of some financial institutions like forum investment and national bank of Nigeria Plc to mention a few.

         It should be noted that National Bank Plc is now coming up through divine touch and effective management of assets and liability concepts.

         It will be of utmost importance of analysis to some extent what constitutes assets and liability management at early stage, asset can be termed to be in banking as money generated from the service bank rendered to their customers. Management shows how assets and liability should be well properly implemented and managed.

         This aspect entails the proper monitoring of the plan that has been formulated managerially. It has to be monitored so that if there is any deviation from such plans control could be effective to save the situation from getting worse with all the above explanation of managing asset and liability is embodied in the project work.

         Moreover, management of asset and liabilities is being examined in the Nigeria deposit money bank. This project work intends to focus its attention on Skye Bank Plc, on how asset and liabilities can be managed efficiently and effectively in order for all the deposit money bank operations in an economy like the Nigeria for example would be able to achieve its aforementioned objectives in banking industry.