TABLE OF CONTNETS
Title Page i
Certificate ii
Dedication iii
Acknowledgement iv
Table of Contents vi
CHAPTER ONE
1.0 Introduction
1.1 Background of the Study 1
1.2 Statement of the Research Problems 2
1.3 Research Question 3
1.4 Objective of the Study 4
1.5 Research Hypothesis 5
1.6 Significance of the Study 5
1.7 Scope and limitation of the study 6
1.8 Definition of Key Terms 7
1.9 Organization and Plan of the Study 10
CHAPTER TWO
2.0 Literature Review
2.1 Historical Background 17
2.2 Definition of Cash Management 22
2.3 Meaning of Fund Management 23
2.4 Cash Planning 24
2.5 Cash Budget 26
2.6 Function of Deposit Money Bank 28
2.7 Cash Balance Required 31
2.8 Cash Balance to Current Assets Ratio 32
2.9 Effect of Cash Management 32
2.10 Need for Holding Cash 34
2.11 The Creation of Money by Deposit Money
Bank 37
2.8 Qualities Associated with Credit 38
2.9 Investment of Excess Cash 42
2.11 Internal Control of Cash 43
2.12 Limitation of Credit Creation 45
CHAPTER THREE
3.0 Research Methodology 50
3.1 Sources of Data Collection 51
3.2 Population and Sample Size 52
3.3 Sampling Technique 52
3.4 Method of Data Analysis 52
3.5 Limitation of the Study 53
CHAPTER FOUR
Data Presentation, Analysis and Interpretation
4.1 Data Presentation 54
4.2 Five years financial summary for the
Year 31st March, 2015. 58
CHAPTER FIVE
Summary, Conclusion and Recommendations
5.1 Summary 61
5.2 Conclusion 63
5.3 Recommendations 64
References 66
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. The country as it is responsible for issuing currency and regulating the countries monetary policies. The Nigeria deposit money banks are controlled by the central bank through it clearing house. A system by which inter-bank through debtless is settled. There are twenty two banks in Nigeria with commercial bank account for more than half of numbers. Although deposit money banks in Nigeria carry out other banking functions they concentrate mostly on deposit banking.
