ABSTRACT
The study examined the impact of liquidity management on the financial performance of commercial banks in Nigeria. The study adopts the use of primary data from 5 commercial banks still operating within (2012-2016), which are Zenith Bank, United Bank for Africa, Wema Bank, Access Bank and Union Bank. The study employed the survey design and the purposive sampling technique to select 450 staff across management, senior and junior level. A well-constructed questionnaire, which was adjudged valid and reliable, was used for collection of data from the respondents. The data obtained through the administration of the questionnaires was analyzed using the Pearson correlation analysis. The results showed that there is positive and significant relationship between liquidity ration and financial performance (r=0.772; p<0.05); a positive and significant relationship exists between cash reserve ratio and financial performance (r=.896; p<0.05); a positive and significant relationship exists between loan to deposit ration and financial performance (r=0.772; p<0.05). The study concludes that there is a significant relationship between liquidity ratio, cash reserve ration and loan to deposit and financial performance in commercial bank of Nigeria. The study suggested that commercial banks should ensure that expenditure are properly managed in a manner that it will raise the company’s liquidity performance capacity; commercial banks should direct its expenditure towards the productive departments as it would reduce the cost of doubt and risk; there is need for efficient management of liquidity ratio, cash reserve ratio and loan to deposit in such a way to stimulate the company to grow.
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