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Please use this identifier to cite or link to this item: http://hdl.handle.net/123456789/8597

Title: Assessing the liquidity management practices of some selected rural banks in Ashanti region
Issue Date: 8-Apr-2016
Abstract: Much attention generally has not been given to liquidity management within the Rural Banking industry in Ghana, in spite of the enormous benefit that accrues to banks from its efficient liquidity management. The Rural Banking industry is estimated to have over 30 percent of its mobilized deposits in short term investments and approximately 60 percent in loans and advances. The huge investment in current assets, generally therefore underscores the need for its efficient management. The study therefore looks at examining the liquidity management practices of some selected rural banks in Ashanti Region. The objective of this research was to investigate and assess the banks liquidity risks, identify its causes and management practices put in place to comply with the best standards. For the purpose of this research, the researcher obtained the primary data through semi-structured interview questions. The interview questions referring to the General Managers and Heads of Operation, Finance and Credit of the selected banks were prepared and conducted. An appraisal of the financial statements and liquidity reserve returns from 2009 to 2013 was undertaken with particular attention to assets/liabilities mismatches, liquidity reserve requirements which had bearing on the banks liquidity risks exposures in liquidity management practices and the level of compliance with best standards. The key findings were inadequate liquidity management policies, poor credit administration, weak internal control systems and inefficient management of treasury and investment portfolio. Appropriate recommendations were given to improve the liquidity management practices of the selected banks in particular and Ashanti Region rural banks in general.
Description: A Thesis Submitted to Department of Accounting and Finance Kwame Nkrumah University of Science and Technology, School of Business in Parital Fulfillment of the Requirement for the Award of Masters of Business Administration (Accounting Option), 2015
URI: http://hdl.handle.net/123456789/8597
Appears in Collections:College of Arts and Social Sciences

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