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An Analysis Of Cash Deposits – Pattern In Commercial Banks From 1998 To 2007
[A CASE STUDY OF FIDELITY BANK PLC, OWERRI]
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1.1 STATEMENT OF THE PROBLEM
Cash-deposits and withdrawals are the
main determinant of banks financial status. In a highly competitive
industry like the banking sector, this issue posses some serious
challenges and responsibilities to baking sector which also the fidelity
bank plc Owerri is a victim.
What is their recorded cash-deposit
level and level of financial base? Do these records not measure up to
the standard that merited them their position in the financial or
banking sector? Analysis made on the cash-deposits transactions are only
information services, and as such must be conditioned by the process to
which they are applied unless that may only lead to false sense in the
industries. It is in the light of these questions that I wish to carry
out this research.
1.2 PURPOSE OF THE STUDY
The purpose of the
study is due to the growing need to monitor the performance of an
economy. Time series analysis is used to determine, the trend of deposit
which might be use to forecast or predict future results.
Managers
and governments need an understanding of the past and current pattern of
change in the cash-deposit rates and provide clues about future
patterns to aid in forecasting.
This study is initiated out of the
desire to provide to those who may need it, as a basis for forecasting
and decision making, which are tools for economy growth and
standardization.
1.3 STATEMENT OF HYPOTHESIS
A study of this nature of phenomena will require stating some hypothesis.
Hypothesis is a statement which stands to be opposed or supported depending on the outcome of the result of the analysis.
H0: There is no significant difference on cash-deposits for the past ten years.
H1: There is significant difference on cash-deposits for the past ten years.
H0: There is no growth in the cash-deposits rate.
H1: There is growth in the cash-deposits rate.
Ho: There is no significant change on the cash deposit output rate in time series data.
H1: There is significant change on the cash deposit output rate in time series data.
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ABSRACT - [ Total Page(s): 1 ]The success or failure and effectiveness or ineffectiveness of any banking or financial sector depends on extent of customer’s patronage and the financial resources available to form and procure the required service oriented facilities. In Nigeria, there are lots of problems associated with banking. The problems include in adequate financial capacity, that is weak capital base, lack of sound technical planning, bad implementation of formulated policies linking the banking operations, inad ... Continue reading---
