scholarly journals LIQUIDITY MANAGEMENT AND PERFORMANCE OF DEPOSIT MONEY BANKS IN NIGERIA

2020 ◽  
pp. 358-367
Author(s):  
Eze Emmanuel ◽  
Agu Stephen
Keyword(s):  
Positive Relationship ◽  
Control Variable ◽  
Capital Adequacy ◽  
System Stability ◽  
Regulatory Body ◽  
Current Ratio ◽  
Liquidity Management ◽  
Return On Equity ◽  
Strong Positive Relationship ◽  
And Performance

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,

Hubungan Budaya Pengamanan dan Kinerja Bandar Udara dengan Kepuasan Penumpang Angkutan Udara di Bandar Udara Internasional Soekarno - Hatta

WARTA ARDHIA ◽  
2013 ◽  
Vol 39 (2) ◽  
pp. 128-145
Author(s):  
Siti Masrifah
Keyword(s):  
Significant Relationship ◽  
Positive Relationship ◽  
Service Performance ◽  
Air Transport ◽  
Cultural Relations ◽  
Security Culture ◽  
International Airport ◽  
Passenger Satisfaction ◽  
Strong Positive Relationship ◽  
And Performance

This study examined the association of security culture (X1) and the performance of airport services (X2) with air transport passenger satisfaction (Y), either individually or jointly.This study with a sample of 100 respondents passenger air transport, the distribution of questionnaires to terminal 2F domestic at Soekarno Hatta International Airport Cengkareng.Calculation results show a positive and significant relationship shown in securing cultural relations (X1) to the satisfaction of passenger air transport (Y). Airport service performance (X2) to the satisfaction of passenger air transport (Y). The relation security culture and performance of airport service to the satisfaction of the air transport of passengers together.The final results of this study have a strong positive relationship between security culture in air transport passenger satisfaction. Strong positive relationship between performance of airport services in air transport passenger satisfaction. And a strong positive relationship between culture security and performance of airport services to the satisfaction of the air transport of passengers together.Penelitian ini untuk mengetahui hubungan budaya pengamanan (X1) dan kinerja pelayanan bandar udara (X2) dengan kepuasan penumpang angkutan udara (Y), baik secara sendiri-sendiri maupun secara bersama-sama. Penelitian ini dengan jumlah sampel sebanyak 100 responden penumpang angkutan udara, dengan melakukan sebaran kuesioner di terminal 2F domestik Bandar Udara International Soekarno Hatta Cengkareng. Hasil perhitungan menunjukkan hubungan yang positif dan signifikan pada budaya pengamanan (X1) dengan kepuasan penumpang angkutan, hubungan positif dan signifikan antara kinerja pelayanan bandar udara (X2) dengan kepuasan penumpang angkutan udara (Y), serta menghasilkan hubungan positif dan signifikan antara budaya pengamanan (X1) dan kinerja pelayanan Bandar udara (X2) dengan kepuasan penumpang angkutan udara (Y) secara bersama-sama. Hasil akhir penelitian ini mempunyai hubungan positif dan kuat antara budaya pengamanan dengan kepuasan penumpang angkutan udara. Hubungan positif dan kuat antara kinerja pelayanan Bandar udara dengan kepuasan penumpang angkutan udara. Hubungan positif dan kuat antara budaya pengamanan dan kinerja pelayanan Bandar udara dengan kepuasan penumpang angkutan udara secara bersama-sama. Implikasi bagi penyelenggara bandar udara dalam tercapainya kepuasan penumpang angkutan udara dengan memberikan rasa aman, lancar, tertib, dan selamat dalam suatu penerbangan, serta jasa pelayanan bandar udara dengan kebersihan terminal dan ketersediaan fasilitas yang cukup dan baik.

scholarly journals Liquidity, Growth and Profitability of Non-financial Public Listed Malaysia: A Malaysian Evidence

2019 ◽  
Vol 10 (3) ◽  
pp. 194
Author(s):  
Mazurina Mohd Ali ◽  
Nik Noor Ayu Nik Hussin ◽  
Erlane K Ghani
Keyword(s):  
Firm Growth ◽  
Positive Relationship ◽  
Negative Relationship ◽  
Sustainable Growth ◽  
Return On Equity ◽  
Listed Firms ◽  
Financial Firms ◽  
Strong Positive Relationship ◽  
Sustainable Growth Rate ◽  
The Relationship

This study examines the relationship between liquidity, growth and profitability of non-financial firms listed on the Bursa Malaysia. Specifically, this study examines the relationship between liquidity and growth on profitability for 50 non-financial public listed firms in Malaysia. Using panel data technique on 250 observations across a five-year period, this study shows that liquidity has a strong positive relationship with profitability in terms of return on asset of the firms. However, liquidity in terms of quick ratio has no impact on profitability. This study also shows that firm growth in terms of sales growth has a negative relationship with profitability. However, this study shows that liquidity and growth in general do not influence profitability in terms of return on equity, although the result shows that sustainable growth rate has a positive relationship on profitability. This study highlights the importance of these measures in measuring performance. The findings in this study provide guidelines to the firms on the measures that best to be used in evaluating performance so that appropriate strategies can be adopted to increase performance.

scholarly journals Performance of deposit money banks and liquidity management in Nigeria

2019 ◽  
Vol 14 (3) ◽  
pp. 152-161
Author(s):  
Adegbola Olubukola Otekunrin ◽  
Gabriel Damilola Fagboro ◽  
Tony Ikechukwu Nwanji ◽  
Festus Femi Asamu ◽  
Babatunde Oluseyi Ajiboye ◽  
...  
Keyword(s):  
Stock Exchange ◽  
Secondary Data ◽  
Least Square Method ◽  
Least Square ◽  
Return On Assets ◽  
Current Ratio ◽  
Liquidity Management ◽  
Ordinary Least Square ◽  
Business Operations ◽  
And Performance

This study examined the performance of selected quoted deposit banks of Nigeria and liquidity management. Secondary data used was extracted from the financial statements of 15 money deposit banks out of population of 17 deposit money banks on the Nigerian Stock Exchange (NSE) for 2012–2017 (six years). The descriptive research design was used. The data collected was analyzed using ordinary least square method (OLS). Liquidity management was measured using capital ratio (CTR), current ratio (CR) and cash ratio (CSR), while performance was measured using return on assets (ROA). Based on the results of the study, liquidity management proxied by capital ratio, current ratio and cash ratio and performance of the firm proxied by return on assets are positively related. The result shows that liquidity management is an essential factor in business operations and consequently leads to business profitability. Hence proper liquidity management helps solve the agency theory problem of agency costs that arise when control of companies is separated from the ownership, whereby managers are able to employ the firm’s resources for personal gains instead of maximizing the value of the firm or the shareholders’ wealth. The value of the firm and the shareholders’ wealth can be maximized through the firm’s profitability via effective and efficient liquidity management.

scholarly journals Dynamics of capital adequacy and profitability of internationalized deposit money banks in Nigeria

2019 ◽  
Vol 1 (4) ◽  
pp. 01-08
Author(s):  
Nenubari Ikue John ◽  
Emeka Nkoro
Keyword(s):  
Dynamic Response ◽  
Capital Adequacy ◽  
Dynamic Responses ◽  
Dynamic Panel ◽  
Current Ratio ◽  
Managerial Style ◽  
Return On Equity ◽  
Static Models ◽  
Asset Size ◽  
Size Efficiency

The study examined the dynamic responses of profitability indexes to capital adequacy ratios of authorized internationalized deposit money banks in Nigeria. The data were sourced from the financial year books of the deposit money banks and analyzed with static and dynamic panel estimators. The static estimator shows that the banks have differences in managerial style, size and profitability. Also, it was revealed that return on asset and return on equity responded positively to asset size, efficiency of the use of asset and current ratio in the static models and they were highly significant. However, they were insignificant in the dynamic specifications except asset size that was significant in the return on asset model showing a weak dynamic response of profitability to capital adequacy ratios. Hence the study recommended that Banks should improve their share based as to increase the asset as this will improve profitability.

The significance and performance analysis of Malaysian real estate investment trusts

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Aina Jazima Khairulanuwar ◽  
Nor Nazihah Chuweni
Keyword(s):  
Performance Analysis ◽  
Real Estate ◽  
Asia Pacific ◽  
Real Estate Investment ◽  
Current Ratio ◽  
Content Type ◽  
Return On Equity ◽  
Leverage Ratio ◽  
And Performance ◽  
Market Capitalisation

Purpose This paper aims to examine the significance and performance analysis of the Malaysian Real Estate Investment Trust (M-REIT) from 2014 to 2018. Design/methodology/approach Performance analysis is done through operating ratio (current ratio), leverage ratio (debt ratio) and efficiency ratio (return on asset and return on equity). Findings M-REIT has been ranked 27th globally and 7th in Asia Pacific REIT market, implying the significance of the market. The trend of market capitalisation of M-REIT had flourished from 2014 to 2017 but declined in 2018. The total assets of M-REIT have been seen thriving over the years with both Islamic REIT market capitalisation and total assets showing improvements throughout the year. From the viewpoint of efficiency ratios of ROA and ROE, Islamic REIT is deemed more favourable to investors than conventional REITs, implying the high receptive of Islamic REITs. Research limitations/implications In terms of efficiency of operation, it is evident that several sectors of REITs may be at risk of liquidity due to the decline in current ratio from 2014 to 2018, as current ratio of less than 1 is considered a red flag. Originality/value Performance analysis on the performance of each sector as the outcome of the research could ease investors’ decision-making as whether it can be considered as one of the viable investments available in the market.

scholarly journals Analisis Perbandingan Kinerja Keuangan Bank Melalui Pendekatan Likuiditas Solvabilitas dan Rentabilitas

2018 ◽  
Vol 9 (1) ◽  
pp. 24
Author(s):  
Ichwan Nur Ihsan ◽  
Yana Ulfah ◽  
Musdalifah Azis
Keyword(s):  
Capital Adequacy ◽  
Return On Assets ◽  
Current Ratio ◽  
Return On Equity ◽  
Capital Adequacy Ratio ◽  
Equity Ratio

Penelitian ini bertujuan untuk menganalisis kinerja keuangan meningkat atau menurun jika ditinjau melalui likuiditas, solvabilitas dan rentabilitas pada Bank BNI dibandingkan dengan Bank BNI Syariah periode 2013-2015. Dalam penelitian ini menggunakan tiga rasio yaitu rasio likuiditas (current ratio dan Loan to Deposit Ratio), rasio solvabilitas (Debt to Equity Ratio dan Capital Adequacy Ratio) dan rasio rentabilitas (Return on Assets dan Retun on Equity). Hasil penelitian pada rasio likuiditas pada Bank BNI dan Bank BNI Syariah pada tahun 2013-2015 dilihat dari hasil perhitungan rata-rata pada Bank BNI (115,43%) dan Bank BNI Syariah (110,5%) adalah Kurang Baik yang mana menurut kriteria Bank Indonesia adalah > 125%. Sedangkan rata-rata loan to deposit ratio pada Bank BNI (87,3%) dan Bank BNI Syariah (94,13%) adalah baik yang mana menurut kriteria Bank Indonesia adalah Baik karena > 78%. Rasio solvabilitas pada Bank BNI dan Bank BNI Syariah pada tahun 2013-2015 dilihat dari analisis debt to equity ratio kinerja keuangan rata-rata perhitungan dari Bank BNI (616,54%) dan Bank BNI Syariah (269,08%) adalah Baik yang mana menurut kriteria Bank Indonesia adalah baik karena > 8%. Sedangkan capital adequacy ratio dapat dikatakan baik karena rata-rata capital adequacy ratio pada Bank BNI (44,9%) dan Bank BNI Syariah (17,82%) adalah Baik yang mana menurut kriteria Bank Indonesia adalah Baik karena > 8%. Dan rasio rentabilitas pada Bank BNI dan Bank BNI Syariah pada tahun 2013-2015 dilihat dari return on assets dapat dikatakan baik karena rata-rata return on assets pada Bank BNI (3,2%) dan BNI Syariah (1,36%) yang dilihat dari rata-rata perhitungan adalah baik yang mana menurut kriteria Bank Indonesia adalah Baik karena > 1,22%. Sedangkan pada hasil return on equity kinerja keuangan pada Bank BNI (21,1%) adalah baik sedangkan pada Bank BNI Syariah (10,62%)adalah kurang baik yang mana menurut kriteria Bank Indonesia kriteria Baik adalah > 17,5%.

scholarly journals IMPACT OF LIQUIDITY MANAGEMENT ON COMMERCIAL BANKS PROFITABILITY IN KOSOVO DURING THE PERIOD 2011-2019

2021 ◽  
Author(s):  
Yllka Ahmeti ◽  
◽  
Ardi Ahmeti ◽  
Albina Kalimashi ◽  
◽  
...  
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Liquidity Management ◽  
Return On Equity ◽  
Capital Adequacy Ratio ◽  
Data Regression ◽  
The Impact ◽  
The Relationship

Liquidity management and its impact on the profitability of commercial banks are two issues of particular importance in the further development of the business and at the same time two sources of concern for financial managers. For this reason, this study aims to determine the impact of changes in liquidity levels on the profitability of commercial banks in Kosovo. The study is based on secondary data for nine commercial banks in Kosovo over 9 years, respectively for the period from 2011 to 2019, taken from the audited annual statements of these financial institutions. The study measures the relationship between liquidity management and profitability and its impact on profitability. In order to process the data, regression analysis and correlation were used, while the findings determine whether there is a significant relationship between liquidity management and profitability in commercial banks in Kosovo. The current ratio, the quick ratio, the cash ratio and the capital adequacy ratio have been taken as liquidity indicators, while return on assets and return on equity are considered as profitability indicators.

Regulation and performance of non bank financial institutions in Ghana

2016 ◽  
Vol 58 (1) ◽  
pp. 108-125 ◽  
Author(s):  
Isaac Ofoeda ◽  
Philip Gariba ◽  
Lordina Amoah
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Positive Relationship ◽  
Financial Regulation ◽  
Capital Adequacy ◽  
Content Type ◽  
Minimum Capital ◽  
Regulatory Pressure ◽  
Improved Performance ◽  
And Performance

Purpose – The purpose of this study is to examine the relationship between regulation of non-bank financial institutions (NBFIs) and their performance in Ghana. Design/methodology/approach – The analysis is performed using data derived from the Bank of Ghana Database during a five-year period, 2006-2010. Correlated panels corrected standard errors model is used to estimate the regression equation. Capital adequacy requirements and the restrictions on the ability of non-bank financial institutions (NBFIs) to take deposits are used as proxies for regulatory pressure. The study also used the return on assets (ROA) and return on equity (ROE) as measures of NBFI performance. Findings – Results of the study emerged with the evidence that there exists a positive relationship between minimum capital adequacy requirement of 10 per cent and profitability. This indicates that asking NBFIs to keep higher minimum capital adequacy ratio has resulted in improving their profitability. This suggests that capital regulation is an effective tool in enhancing the stability and the profitability of the financial services sector. In addition, the paper finds a positive relationship between regulatory pressure in terms of restrictions on deposits and NBFI profitability. This means that non-deposit-taking NBFIs have improved performance. This indicates that restricting NBFIs in terms of deposit-taking rather goes to increase profitability. Originality/value – The value of this study is in respect of its contribution to the extant literature on financial regulation and performance of NBFIs.

scholarly journals Effect of Liquidity Management on the Performance of Deposit Money Banks in Nigeria

2020 ◽  
pp. 300-308
Author(s):  
Ugwu Osmund Chinweoda ◽  
Ugwoke Robinson Onuora ◽  
Egbere Michael Ikechukwu ◽  
Asogwa Cosmas Ikechukwu ◽  
Orji Amelia Ngozika
Keyword(s):  
Performance Indicators ◽  
Stock Exchange ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Liquidity Management ◽  
Return On Equity ◽  
Return On Capital ◽  
Default Risks ◽  
Asset Quality ◽  
Positive Effect

In this study, we examined the effect of liquidity management on the performance of banks in Nigeria. Our sample comprised 18 banks included in the Nigerian Stock Exchange (NSE) from 2011 to 2017. Thus, the firm-year sample constitutes 90 (18 banks × 5 years) financial statements. We found that liquidity management positively and significantly affected banks’ profitability. Capital adequacy significantly affected return on assets, return on equity, and return on capital employed. Similarly, we found a significant positive effect of asset quality on the performance indicators. The analyses also showed that the liquidity ratio effect is positive and significant on the performance indicators. This result shows that banks with proper liquidity management will increase their profitability over time. This suggests that to increase the overall networth of shareholders, banks should place a strong emphasis on liquidity management. Thus, liquidity should be managed to minimise potential default risks.

Kinerja Rasio Keuangan Perbankan Islam Dan Konvensional: Studi Komparatif

Liquidity ◽  
2018 ◽  
Vol 2 (1) ◽  
pp. 13-20
Author(s):  
Amrizal Amrizal
Keyword(s):  
Annual Report ◽  
Capital Adequacy ◽  
Average Increase ◽  
Return On Assets ◽  
Return On Equity ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

The article focuses to analyze finance ratio consist of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM) Capital Adequacy Ratio (CAR) except Earnings before Interest Tax (EBIT). The research is conducted to three conventional banking (BNI 46, Mandiri and BRI) and three syariah banking (Bank Muamalat Indonesia, Bank Mega Syaria and Bank Syariah Mandiri) for annual report periods 2007 to 2011. The result shows, the average increase EBIT to conventional banking groups during period 2007 to 2011 are 1.91% while the average EBIT to syariah banking groups are 1.53%. The average of ROA to conventional banking groups are 3.01% while the average ROA to syariah banking groups are 1.99%. The average of ROE to conventional banking groups is 24.19% while the average of ROE to syariah banking groups is 33.31%. The average of NIM to conventional banking groups during period 2007 to 2011 are 7.08% while the average of NIM to syariah banking groups during period 2007 to 2011 are 8.14%. The average of CAR to conventional banking groups is 15.63%, while the average of CAR to syariah banking groups during the period are 12.19%.

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