CHAPTER ONE
INTRODUCTION
1.1  BACKGROUND OF THE STUDY
The Central Bank of Nigeria is a federal government bank. It is referred to as the father of all banks. The country as it is responsible for issuing currency and regulating the countries monetary policies. The Nigeria deposit money banks are controlled by the central bank through it clearing house. A system by which inter-bank through debtless is settled. There are twenty two banks in Nigeria with commercial bank account for more than half of numbers. Although deposit money banks in Nigeria carry out other banking functions they concentrate mostly on deposit banking.
The management of fund is deposit money bank particular reference to Union Bank of Nigeria Plc is the topic reviews in the project. They make up of the firm’s capital structure the management of fund, motive of holding money, the firm financial statement to outsiders and its operation are the subject matter of the review.
1.2  STATEMENT OF THE RESEARCH PROBLEM
In this era of bank distress management finds has been a matter of concern to banks and government even the customers. The statement of the research problems are as follows under the creation of credit, the deposit money bank ability of Union Bank PLC, Ilorin.
1.3  RESEARCH QUESTIONS
The project work is intended to review the management of fund of commercial banks with particular reference to Union Banks of Nigeria Plc Ilorin.
As a result of this the following questions arise.
iii.   How does the bank manage its cash?
vii.   What are the effects of environmental and structural change to?
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1.4  THE OBJECTIVES OF THE STUDY
The objectives of the study are as follows:
iii.   To critically examine fund management in commercial banks.
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1.5  RESEARCH HYPOTHESIS
In the courses of the research work, the following hypothesis will be tested H0: analysis of funds management do not provide a sound banking system in Nigeria Hi: Analysis of fund management provide sound banking system in Nigeria.
1.6  SIGNIFICANCE OF THE STUDY
It is imperative to mention here that the topic ‘Analysis of Fund Management rare topic’.
This write up will help to receive the mind rating managers to the importance of managing fund as well as suggest to them better techniques to be used in the management of funds. The study will provide a frame work of knowledge that will assist the existing and potential commercial banks in Nigeria.
Commercial banks will find it useful in developing a good operation system of their banking activities. The knowledge of the study will no doubt contribute greatly to the mush take about economy as management of cash is a major factor in a country’s economy.
1.7 SCOPE AND LIMITATION OF THE STUDY
The scope of the study is to carryout on depth investigation into fund management in Nigeria deposit money bank using Union bank Plc Ilorin as a case management in providing the research project work, the following problems were encountered.
1.8  DEFINITION OF KEY TERM
iii.    CHEQUE: A cheque is an unconditional order in writing whereby a person instruct his bankers to pay on demand a stated sum of money from his current account to a named person.
vii.    BANK DRAFT: These are bill of exchange drawn by one banker to another. They firm a convenient means of remitting money.
viii.   OVER DRAFT: This is the amount granted to a customer by the bank. The customer drawn more than what is inside his account.
xii.   MAIL AND TELEGRAPHIC TRANSFER: These means of remitting fund from one bank to another in different vocation.
xiii.   BANKERS PAYMENTS: This is an instrument used to settle inter-bank payments within the same clearing town. It is usually presented throughout clearing house.
xiv.   FUND: The term fund can be derive in three ways it mean (i) cash (ii) working capital (different between current assets and current liability) (iii) finance resource (arising from both current and non-current assets).
1.9  ORGANIZATION AND PLAN OF THE STUDY
The study is divided into fine chapter, chapter one: is the introduction which contains background, statement of the problem, objectives, significance of the study, research question, scope, organization of the study and the definition of the key terms.
Chapter two: it deals with literature review which contains definition of cash management, meaning of fund management, function of commercial banks, fact of cash management, cash planning cash, budget cash flour statement, cash balance required and limitations to credit creations.
Chapter three: is research methodology which contains historical profile of Union Bank of Nigeria Plc Ilorin, Data Analysis, Population and Sample Size and Sampling techniques.
Chapter four: is data presentation and analysis.
Chapter five: consist of the summary, conclusion and recommendations.