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An Assessment of Portfolio Management in Nigeria Banking Sector

An Assessment of Portfolio Management in Nigeria Banking Sector

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Reference ID: PS-11671-TM

DEDICATION

This research work titled "An Assessment of Portfolio Management in Nigeria Banking Sector" is dedicated to God for his enabling grace and to all computer enthusiasts who help to make life a pleasant experience.

ACKNOWLEDGEMENT

I owe my indebtedness to my Supervisor (Name of your Supervisor), the Head of Department (Name of your HOD), the Lecturers in the department of Banking and Finance (BF), Book Authors and Profound Scholars of existing/related research material for your moral support that facilitated the successful completion of my (Tertiary Institution level). I am grateful to God Almighty and my parent for their financial support in my career. I really appreciate you all for everything, Thank you very much.


An Assessment of Portfolio Management in Nigeria Banking Sector

TABLE OF CONTENTS

PRELIMINARY PAGES


CHAPTER ONE

INTRODUCTION

  • 1.1 Introduction
  • 1.2 Background of Study
  • 1.3 Statement of Problems
  • 1.4 Aim and Objectives of Study
  • 1.5 Research Questions
  • 1.6 Research Hypothesis
  • 1.7 Significance of Study
  • 1.8 Scope of the Study
  • 1.9 Limitations of the Study
  • 1.10 Definition of Terms

CHAPTER TWO

LITERATURE REVIEW

  • 2.1 Introduction
  • 2.2 Evolution and Development of Banking
  • 2.3 The Principle and Practices of Portfolio Management in Nigeria Banking Sector
  • 2.4 Portfolio Diversification Theories
  • 2.5 Access Banks and Portfolio Theories
  • 2.6 Capital Assets Pricing Model
  • 2.7 Effect of Access Bank Portfolio Structure
  • 2.8 Theoretical Framework
  • 2.8.1 The Theory of Economic Absorption
  • 2.9 Portfolio Planning Objective
  • 2.10 Empirical Review

CHAPTER THREE

RESEARCH METHODOLOGY

  • 3.1 Introduction
  • 3.2 Research Design
  • 3.3 Population of Study
  • 3.4 Sampling and Sampling Technique
  • 3.5 Validation of Research Instrument
  • 3.6 Method of Data Collection
  • 3.7 Method of Data Analysis
  • 3.8 Questionnaire
  • 3.8.1 Interview
  • 3.8.2 Key Informants Interview
  • 3.8.3 Observation
  • 3.9 Ethical Consideration
  • 3.10 Statistical Analysis

CHAPTER FOUR

DATA ANALYSIS, RESULT AND DISCUSSION

  • 4.1 Introduction
  • 4.2 Presentation and Analysis of Data
  • 4.3 Test of Hypothesis 1
  • 4.4 Discussion of Findings

CHAPTER FIVE

SUMMARY, CONCLUSION AND RECOMMENDATION

  • 5.1 Introduction
  • 5.2 Summary of Findings
  • 5.3 Conclusion
  • 5.4 Recommendation

REFERENCES

APPENDIX A - “QUESTIONNAIRE”

ABSTRACT

The study empirically examined the Portfolio Management in Nigeria Banking Sector using Access Bank PLC as a case study. In achieving this aim, the following specific objectives were laid out to find our portfolio management practices of access bank, central banks of Nigeria credit guidelines and suggest ways of correcting any deviation and maximize the after tax return by investing in various taxes saving investment instruments projects form. The research design used in this report is descriptive design, utilizing questionnaire method to obtain information from the respondents for this project. A total of 133 (one hundred and thirty three) respondents were selected for this study to represent the entire population of the study. For null hypotheses were formulated and tested using the one-way ANOVA and the t-test statistical tools at zero point zero five (0.05) level of significance. Primary data were collected from the primary source which questionnaire was used as an instrument of data collection while secondary data were sources from textbooks, journals, newspapers and the internet were employed. The data were presented on a frequency distribution table and analyzed using simple percentage, while hypothesis was tested using chi-square test. Enough information was gathered through the use of structures questionnaires and personal interview officer of these banks. It was observed that these banks have specialist investments department that were specially established to take care of their investment functions, it was found that access banks should enlarge their investment activity and they should seek for new authorities in order to enhance their profitability base and penetrate economic growth. And the central bank on Nigeria (CBN) should be significantly autonomously and well equipped to regulate the banking sector in the economy.


An Assessment of Portfolio Management in Nigeria Banking Sector

CHAPTER ONE

1.1 Introduction

This introduction expresses I.B.MS view point about the foundation essential of portfolio management and also discusses uses ideal and assets that support and enable effective portfolio management practices. A good way to begin understanding is what portfolio management is (and is not) may be define the term portfolio.

As a prelude to other parts of this study, this chapter will discuss the background upon which this study was initiated, the statement of problems that led to this study, the Aim and Objectives of the study. Others are Significance of the study, Scope of work, Research hypothesis and questions, Limitations of the Study and Definition of technical terms.


1.2 Background of Study

The access bank portfolio management represents a classical management of its assets. The risk inherent in investment yield in efficient portfolio management which is very casual because if our investors contribute to our economy, they have make devour from a very risk portfolio with low return and make casual inquires about portfolio through conversion with brokers, reading annual report of cooperate entities, in addition to sanitizing the financial publications pages.

For maximum return and minimum risk of the overall portfolio as well as the link between two or more investment diversification because of the tangent of investors.

This work also examines the real denotation of portfolio management in Nigeria banking sector and gives a deserving book into evolution of portfolio theory and its contribution towards investor's efficient choice of portfolio.

The word portfolio as a collection securities and investment like stock, shares, bonds, etc owned by an individual or a bank and other corporate or non corporate organization, which portfolio management is the art of controlling, directing, planning, organizing and co coordinating securities and investment such as (shares, stock , bonds etc) owned a bank, an individual co operate and non co operate and non organization with the aim of making profit.

The securities can be grouped into two categories, such as the fixed income securities and variable income securities. The fixed income securities are debt instruments, like commercial papers, bonds, certificate of deposit while the variable income securities are shares, ordinary shares, and preference shares.

In business contexts, we can look to the mutual fund industry to explain terms origins, and form it you can build the portfolio by buying additional stocks, bonds, mutual funds or other investments, your goal is to increase the portfolio value by selecting investments that will go up in price. By modern portfolio theory you can reduce your investment risk by creating a diversified portfolio that includes enough different types so that they may produce strong returns in any economic.

The explanation above contains a number of important ideals. A portfolio contain many investment vehicles owning a portfolio involves making choices, that is deciding what additional stocks, bonds or other financial instrument to buy, when to buy , what and when to sell. This is also refers to the practice of managing and entire group or major subset of software applications within a portfolio. Portfolio management is the management of various financial assets, which comprise the portfolio.

Therefore, in Access Bank PLC where the research was carried out, the activities that was conducted is to know the Portfolio Management in Nigeria Banking Sector.


1.3 Statement of Problems

Recent years have witnessed a heightened interest in portfolio management, not only in the technical community, but in the CEO'S office as well. Despite its growing popularity, recent bench making studies have identified portfolio management as the weakest area in product innovation management.

Management teams confess that there are rarely serious Go/kill decision points and more specifically, no criteria for making the Go/kill decision, as a result of these, banks are facing too many projects for the limited resources available.


1.4 Aim and Objectives of Study

The aim of the study is to empirically examine the Portfolio Management in Nigeria Banking Sector using Access Bank PLC as a case study. In achieving this aim, the following specific objectives were laid out as follows:

  1. To draw a comprehensive comparison of the portfolio management of Nigeria Banks.
  2. To find our portfolio management practices of access bank, central banks of Nigeria credit guidelines and suggest ways of correcting any deviation.
  3. To examine the patterns and wealth maximization practices of access bank and attempt to suggest measure to alleviate identified problem.
  4. To form the investment strategy and select an investment mix to achieve the desired investment objective.
  5. To provide a balance portfolio this not only can hedge against the inflation but can also optimize returns with the associated degree of risk.
  6. To make timely buying and selling of securities.
  7. To maximize the after tax return by investing in various taxes saving investment instruments projects form.

1.5 Research Questions

The study came up with research questions so as to be able to ascertain the above stated objectives. The specific research questions for the study are stated below as follows:

  • Do Access bank have special investment portfolio?
  • How do access banks manage their investment portfolio?
  • What are the functions of the investment department of Access banks?
  • What are the factors take into consideration by access banks in appraising a loan?

1.6 Research Hypothesis

In order to pursue the objective of this study, the following generalized statements have been designed to guide and aids in obtaining the result for the experiment to be conducted. For this work, the null hypothesis will be represented with H0 while the alternative hypothesis will be represented with hypothesis H1.

  • H0: There are no significant factors considered by Access Bank PLC during loan appraisal
  • H1: There are significant factors considered by Access Bank PLC during loan appraisal

1.7 Significance of Study

The banking industry has been and still regarded as the pivot of the Nation’s economy. Banks are involved in mobilization of the economy and such funds portfolio are used for investment or used for reinvestment purpose.

This study will be of immense benefit to other researchers who intend to know more on this study and can also be used by non-researchers to build more on their research work. This study contributes to knowledge and could serve as a guide for other study.


1.8 Scope of the Study

This study is focused on the bank in Aba offices and was culmed to investigate portfolio management strategy in these banks and also to see whether it is any way influenced by the nature of operation of this banks and to determine if the influence is positive or negative in nature. As result any influenced that is capable of affecting the success of the bank deserves isolation and profit investigation.


1.9 Limitations of the Study

During the course of this study, many things militated against its completion, some of which are:

  1. Time Constraint: The time frame given to accomplish this project was very short due to school academic calendar and it was carried out under pressure which made the researcher not to implement some necessary features.
  2. Establishment Policies: Establishment policies posed a serious limitation as most staffs are not ready to release information needed for this project work. There were lots of information needed from the staffs of this establishment to enhance the study which took them time to release or they did not release at all for security purposes, hence the scope was reduced.
  3. Research material: availability of research material is a major setback to the scope of the study.
  4. Frequent power failure: This made the researcher append more money on fuel to ensure sustainable power.
  5. Financial Constraint: Insufficient fund tends to impede the efficiency of the researcher in sourcing for the relevant materials, literature or information and in the process of data collection (internet, questionnaire and interview).

1.10 Definition of Terms

The use of some terms in this project work may create problem to some project who are not into their banking profession, hence there is need to give the operational definition of these technical terminologies of these words include:

Portfolio: It can be define as flat case for carrying looses, papers, documents, and drawings etc. in order hands portfolio is refer to invest in a group of securities rather to invest in a single securities.

Management: The control and making decision in a business or similar organization.

Bank: It is an organization or a place that provides financial services, and where a customer keeps their money for safety and it is paid out when needed by means of cheque or cash. And it is an institution, which deals with money and credit.

Investment: The investing of money in the industry.

Organization: An establishment where business activities are been carried out for gainful purposes.

Diamond: A precious stone, causally colourless of great value and hardness.

Access bank: A bank owned and controlled by individual where customers kept their money for future purposes.

CHAPTER TWO

2.0 Literature Review

2.1 Introduction

This chapter focuses on the review of related literature. A literature review includes the current knowledge as well as theoretical and methodological contributions to a particular topic. It documents the state of the art with respect to the topic you are writing. It surveys the literature in the topic selected. In this research work the literature review includes the …

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