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LIQUIDITY MANAGEMENT AND PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA

This study was carried out on liquidity management and performance of deposit money banks in Nigeria using six banks with international affiliation. In particular, the paper established the relationship between the variable of bank performance and those of liquidity management using capital adequacy, liquidity ratio, and current ratio as indicators and bank size as a control variable. Data were extracted from annual reports from the banks’ websites for a period spanning seven years (2013 – 2019). Descriptive statistics and regression analysis were performed using the E-View 10.0 as instrument for the analysis. Findings indicate a strong positive relationship between capital adequacy and return on equity while liquidity and current ratio showed statistical insignificant negative relationship with return on equity. Bank size showed a strong positive relationship with return on equity. It was recommended that the regulatory body should ensure that deposit money banks in Nigeria are adequately capitalised to guarantee system stability while the bank managers should adhere to reserve requirements from the Central Bank so as to absorb financial shocks and operate profitably.
KEY WORDS performance, liquidity, capital adequacy, current ratio,