TABLE OF CONTENT

 Title Page                                                                                                                                    i

Certification                                                                                                                                ii

Dedication                                                                                                                                   iii

Acknowledgements                                                                                                     iv

Proposal                                                                                                                        vi

Table of contents                                                                                                         xiii         CHAPTER ONE: INTRODUCTION

1.1          Background to the study                                                                              1

1.2          Statement of the research                                                             1

1.3          Research Question                                                                                       2

1.4          Objectives of the study                                                                                2

1.5          Research hypothesis                                                                                     3

1.6          Significance of the study                                                                             4

1.7          Scope and limitation of the study                                                4

1.8          Definition of key Terms                                                                              5

1.9          Organization of the study                                                             6            

CHAPTER TWO: LITERATURE REVIEW

2.1     Literature Review                                                                                              8

2.2          Meaning of Fund Management                                                                    9

2.3          Cash planning                                                                                               10

2.4          Cash budget                                                                                                                  11          

2.5          Functions of Commercial Bank                                                                  12

2.6          Cash Balance Required                                                                               13          

2.7          Cash Balance to Current assets Ratio                                                          14

2.8          Facts of cash management                                                                          15          

2.9          Need for Holding cash                                                                                17

2.10        The creation of fund by money Deposit Bank                             19

2.11       Quantities Associated with credit                                                20

2.12       Commercial bank and Economic Development                         21

2.13       Investment of Excess cash                                                                          22

2.14 Internal control of cash                                                                                       23

2.15       Limitation of credit creation                                                                       24

CHAPTER THREE:

3.0 Research Methodology                                                                                         26

3.1          Research design                                                                                           26          

3.2          Sources of data collection                                                            28

3.3          Population and sample size                                                                          28          

3.4          Sampling technique                                                                                      29

3.5          Method of data analysis                                                                               29

3.6          Limitation of the study                                                                                29

CHAPTER FOUR: DATA PRESENTATION, ANALYSIS AND INTERPRETATION

4.1          Data presentation                                                                                                        30

4.2          Data analysis                                                                                                31

4.3          Data interpretation                                                                                                       33

CHAPTER FIVE:            SUMMARY, CONCLUSION AND RECOMMENDATIONS.

5.1          Summary                                                                                                                     36

5.2          Conclusion                                                                                                                   37

5.3          Recommendation                                                                                                        38

References

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 in the county as it is responsible for issuing currencies and regulating country’s monetary policies. The Nigeria commercial banks are controlled by the central bank through its clearing houses. A system by which inter-bank, in-datedness is settled. There are twenty five banks in Nigeria with commercial banks in Nigeria carryout other banking functions, they concentrate mostly on deposit banking. The management of fund in commercial banks with particular reference to union banks of Nigeria plc is the topic review in the project. They make up of the firms, capital structure, the management of fund, motive of holding’ money, the firm financial statement to outsiders and its operations are the subject matter of the review.