@incollection{,
	
					
					
					9E0CD7E750622B4250B5AD27548C85F1
				,
	author={{}},
	journal={{}},
	journal={{}},
	address={Cambridge, United States},
	publisher={Great Britain Journals Press Organisation}
}

@book{b0,
	
	
		,
	author={{
			GAdalsteinsson
		}}
		,
	title={{The Liquidity Risk Management Guide: From policy to pitfalls}}
		Sussex
		
			,
	publisher={John Wiley and Sons}
			,
	year={2014}
		
	

}

@incollection{b1,
	
	
		,
	title={{Capital Adequacy and Banks' Profitability: An Empirical Evidence from Nigeria}}
		,
	author={{
			SAdeyinka
		}}
	
	
		,
	journal={{American International Journal of Contemporary Research}}
		
			1
			3
			
			,
	year={2013}
		
	

}

@incollection{b2,
	
	
		,
	title={{The Performance of Microfinance Institutions in Cameroon: Does Financial Regulation Really Matter?}}
		,
	author={{
			DAkume
		} and {
			MABadjo
		}}
		
		10.1146/annurev-orgpsych-031413-091235
		
	
	
		,
	journal={{Research Journal of Finance and Accounting}}
		
			8
			
			,
	year={2017}
		
	

}

@book{b3,
	
	
		,
	author={{
			JCAnyanwu
		}}
		,
	title={{Monetary Economics: Theory, Policy and Institutions}}
		
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	publisher={Benin City. Hybrid Professional Publishers Ltd}
			,
	year={1993}
		
	

}

@book{b4,
	
	
		,
	title={{Liquidity risk: Managing funding and asset risk}}
		,
	author={{
			EBanks
		}}
		
			,
	year={2014}
			,
	publisher={Palgrave Macmillan}
			,
	address={Hampshire}
		
	

}

@book{b5,
	
	
		,
	author={{
			EBBassey
		} and {
			UNEkpo
		}}
		
		,
	title={{Liquidity Management in Nigerian Deposit Money Banks}}
		
			,
	year={2018}
		
	

}

@book{b6,
	
	
		,
	title={{Liquidity Management and Performance of Deposit Money Banks in Nigeria}}
		,
	author={{
			EDBassey
		}}
		
			,
	year={2017. 1986}
		
	

}

@book{b7,
	
	
		,
	title={{Principles for Sound Liquidity Risk Management and Supervision}}
		
			,
	year={2008}
			,
	publisher={Bank for International Settlements. Press & Communications}
		
	

}

@incollection{b8,
	
	
		,
	title={{The impact of capital requirements on banks' cost of intermediation and performance: The case of Egypt}}
		,
	author={{
			SBen Naceur
		} and {
			MKandil
		}}
		
	
	
		,
	journal={{Journal of Economics and Business}}
		
			61
			1
			
			,
	year={2009}
		
	

}

@incollection{b9,
	
	
		,
	title={{Comparative Statistics of Central Bank liquidity Management, Some insights}}
		,
	author={{
			IBhattacharyya
		} and {
			SSahoo
		}}
		
	
	
		,
	journal={{Economic research International}}
		
			3
			2
			
			,
	year={2011}
		
	

}

@incollection{b10,
	
	
		,
	title={{Measuring performance of banks: an assessment}}
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	author={{
			JABikker
		}}
	
	
		,
	journal={{Journal of Applied Business and Economics}}
		
			11
			4
			
			,
	year={2010}
		
	

}

@incollection{b11,
	
	
		,
	title={{Concentration and other Determinants of Bank Profitability in Europe, North America and Australia}}
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	author={{
			PBourke
		}}
	
	
		,
	journal={{Journal of Banking & Finance}}
		
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}

@incollection{b12,
	
	
		,
	title={{Banking system liquidity: developments and issues}}
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	author={{
			GChaplin
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			AEmblow
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			IMichael
		}}
		
		
	
	
		,
	journal={{Financial stability Review}}
		
			6
			
			,
	year={2000}
		
	

}

@book{b13,
	
	
		,
	title={{An Introduction to Banking: Liquidity Risk and Asset and Liability Management}}
		,
	author={{
			MChoudhry
		}}
		
			,
	year={2011}
			,
	publisher={John Wiley and Sons}
			,
	address={Sussex}
		
	

}

@book{b14,
	
	
		,
	author={{
			UDang
		}}
		,
	title={{The CAMTEL rating system in banking supervision: a case study of Arcada University of Applied Sciences}}
		
			,
	year={2011}
		
	
	,
	note={International Business}

}

@incollection{b15,
	
	
		,
	title={{Liquidity risk, liquidity creation, and financial fragility: a theory of banking}}
		,
	author={{
			WDiamond
		} and {
			GRajan
		}}
		
	
	
		,
	journal={{Journal of Political Economy}}
		
			109
			
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	year={2001}
		
	

}

@incollection{b16,
	
	
		,
	title={{Determinants of commercial bank interest margins and profitability: some international evidence}}
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	author={{
			ADemirgüç-Kunt
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			HHuizinga
		}}
		
	
	
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	journal={{The World Bank Economic Review}}
		
			13
			2
			
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	year={1999}
		
	

}

@incollection{b17,
	
	
		,
	title={{Opening for foreign banks: issues of stability, efficientcy and growth}}
		,
	author={{
			ADemiguc-Kunt
		} and {
			RLevine
		} and {
			MinHg
		}}
		
		
	
	
		,
	booktitle={{the Implications of Global World Financial Markets}}
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	editor={
			SLee
		}
		Seoul
		
			,
	publisher={Bank of Korea}
			,
	year={1998}
			18
		
	

}

@incollection{b18,
	
	
		,
	title={{Liquidity-Profitability Tradeoff: An Empirical Investigation in an Emerging Market}}
		,
	author={{
			AEljelly
		}}
	
	
		,
	journal={{International Journal of Commerce & Management}}
		
			14
			2
			
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	year={2004}
		
	

}

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	title={{Money Banking and Finance Markets}}
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	author={{
			JWElloit
		}}
		
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	year={1984}
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	publisher={West Publishing company}
			,
	address={New york}
		
	

}

@incollection{b20,
	
	
		,
	title={{Determinants of commercial bank profitability in Malaysia}}
		,
	author={{
			BKGuru
		} and {
			JStaounton
		} and {
			BBalashanmugam
		}}
		
		
	
	
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	booktitle={{of the 12 th Annual Australian Finance and Banking Conference}}
		Sydney, Australia
		
			,
	year={1999}
			
		
	
	,
	note={Paper presented at the preceedings}

}

@incollection{b21,
	
	
		,
	title={{The Impact of Liquidity Management on the Profitability of Banks in Nigeria}}
		,
	author={{
			SOIbe
		}}
	
	
		,
	journal={{Journal of Finance and Bank Management}}
		
			1
			1
			
			,
	year={2015}
		
	

}

@book{b22,
	
	
		,
	title={{Credit Risk and the Performance of Nigerian Banks}}
		,
	author={{
			HSKargi
		}}
		
			,
	year={2011}
			,
	address={Zaria}
		
		
			Ahmadu Bello University
		
	

}

@incollection{b23,
	
	
		,
	title={{An Empirical Investigation of the Liquidity-Profitability Relationship in Nigerian Commercial Banks}}
		,
	author={{
			OPKehinde
		}}
	
	
		,
	journal={{Journal of Economics and Sustainable Development}}
		
			6
			4
			
			,
	year={2013}
		
	

}

@incollection{b24,
	
	
		,
	title={{Liquidity Risk Management, Structure, and Competition in Banking}}
		,
	author={{
			YLandskroner
		} and {
			JParoush
		}}
		
	
	
		,
	journal={{The Capco Institute Journal of Financial Transformation. Article}}
		
			33
			
			,
	year={2011}
		
	

}

@incollection{b25,
	
	
		,
	title={{Determinants of European bank profitability: A Note}}
		,
	author={{
			PMolyneux
		} and {
			JThornton
		}}
		
	
	
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	journal={{Journal of Banking & Finance}}
		
			16
			6
			
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	year={1992}
		
	

}

@incollection{b26,
	
	
		,
	title={{Liquidity Management and Its Impact on Banks Profitability: A Perspective of Pakistan}}
		,
	author={{
			MNabeel1
		} and {
			SMHussain
		}}
		
	
	
		,
	journal={{International Journal of Business and Management Invention}}
		
			6
			5
			
			,
	year={2017}
		
	

}

@book{b27,
	
	
		,
	title={{Theories and Practice of Financial Management.Owerri}}
		,
	author={{
			NCNaezeaku
		}}
		
			,
	year={2006}
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	publisher={Ever Standard Publishing}
		
	

}

@book{b28,
	
	
		,
	title={{Bank Management}}
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	author={{
			TCNgwu
		}}
		
			,
	year={2006}
			,
	publisher={Bob Publishers}
			,
	address={Owerri}
		
	

}

@incollection{b29,
	
	
		,
	title={{Trade-off Between Liquidity and Profitability. A Study of Selected Manufacturing Firms in Sri Lanka}}
		,
	author={{
			JANiresh
		}}
	
	
		,
	journal={{Journal of Arts and Science and Commerce}}
		
			4
			2
			
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	year={2012}
		
	

}

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	title={{Bank Management Principles and Practices}}
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	author={{
			GONwankwo
		}}
		
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	year={1991}
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	publisher={Malthouse Press}
			,
	address={Lagos}
		
	

}

@book{b31,
	
	
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	title={{Prudential Regulations of Nigerian Banking}}
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	author={{
			GONwankwo
		}}
		
			,
	year={1991}
			,
	address={Lagos}
		
		
			University of Lagos
		
	

}

@book{b32,
	
	
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	title={{Money, Banking and Finance: Theory and Practice}}
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	author={{
			SMNzzotta
		}}
		
			,
	year={2004}
			,
	address={Owerri.}
		
	

}

@book{b33,
	
	
		,
	title={{Effect of Liquidity Management on Performance of Deposit Money, Bank of Canada}}
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	author={{
			CSOkaro
		} and {
			CNNwakoby
		}}
		
		
			,
	year={2016}
		
	
	,
	note={Working paper No. 2010-38}

}

@incollection{b34,
	
	
		,
	title={{Liquidity Management and Commercial Banks' Profitability in Nigeria}}
		,
	author={{
			AOlagunju
		} and {
			AODavid
		} and {
			OOSamuel
		}}
		
		
	
	
		,
	journal={{Research Journal of Finance andAccounting}}
		
			2
			7-8
			
			,
	year={2012}
		
	

}

@incollection{b35,
	
	
		,
	title={{Causal Relationship between Liquidity and Profitability}}
		,
	author={{
			OMOlarewaju1
		} and {
			OKAdeyemi
		}}
		
	
	
		,
	journal={{Journal of Banking and finance}}
		
			14
			1
			
			,
	year={2015}
		
	

}

@book{b36,
	
	
		,
	title={{Effect of liquidity on bank profitability. Bank of Canada Working Paper}}
		,
	author={{
			VOObi-Nwosu
		} and {
			CSOkaro
		} and {
			KSOgbonna
		} and {
			ANAtsanan
		}}
		
		
		
		
			,
	year={2017}
			
		
	

}

@book{b37,
	
	
		,
	title={{Performance of deposit money banks and liquidity management in Nigeria. Banks and Bank Systems}}
		,
	author={{
			AOOtekunrin
		} and {
			GDFagboro
		} and {
			TINwanji
		} and {
			FFAsamu
		} and {
			BAjiboye
		} and {
			AJFalaye
		}}
		
		
		
		
		
		
			,
	year={2019}
			14
			
		
	

}

@book{b38,
	
	
		,
	title={{Effect of Liquidity on Financial Performance, Banking and financial markets}}
		,
	author={{
			ULOnyekwelu
		} and {
			VNChukwuani
		} and {
			VNOnyeka
		}}
		
		
		
			,
	year={2018}
			,
	publisher={West Publishing Company}
			,
	address={New York}
		
	

}

@book{b39,
	
	
		,
	author={{
			IMPandey
		}}
		,
	title={{Financial Management. Vikas Publishing House. PVT Ltd New Delhi}}
		
			,
	year={2005}
		
	

}

@book{b40,
	
	
		,
	title={{The microfinance revolution: Sustainable finance for the poor}}
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	author={{
			MRobinson
		}}
		
			,
	year={2003}
			,
	publisher={World Bank}
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			,
	address={Washington D.C.}
		
	

}

@incollection{b41,
	
	
		,
	title={{The Paradigm Shift from credit Delivery to Sustainable Financial Intermediation}}
		,
	author={{
			RobinsonMarguerite
		} and {
			S
		}}
		
	
	
		,
	booktitle={{Strategic Issues in Microfinance}}
		,
	editor={
			Mwangi S Kimenyi
		 and 
			CRobert
		 and 
			J DWieland
		 and 
			FVon
		 and 
			Pischke
		}
		
		
		
		
		
			,
	publisher={Aldershot}
			,
	year={1998. 1998}
		
	

}

@book{b42,
	
	
		,
	title={{Bank liquidity risk and performance}}
		,
	author={{
			CShen
		} and {
			YChen
		} and {
			LKao
		} and {
			CYeh
		}}
		
		
		
		
			,
	year={2010}
			,
	publisher={International Monetary Fund}
		
	
	,
	note={Working Paper}

}

@incollection{b43,
	
	
		,
	title={{Evidence of the (Non) relationship between concentration and profitability in banking}}
		,
	author={{
			MSmilock
		}}
	
	
		,
	journal={{Jpurnal of Money, Credit and Banking}}
		
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			,
	year={1985}
		
	

}

@incollection{b44,
	
	
		,
	title={{Bank Capital Structure, Liquidity and Profitability Evidence from the Nigerian Banking System}}
		,
	author={{
			SUremadu
		}}
	
	
		,
	journal={{International Journal of Academic Research in Accounting, Finance and Management Sciences}}
		
			8
			20
			
			,
	year={2012}
		
	

}

@book{b45,
	
	
		,
	title={{Liquidity demand and welfare in a heterogeneous-agent economy}}
		,
	author={{
			YWen
		}}
		
			,
	year={2010}
		
	
	,
	note={Federal Reserve Bank of St Louis Working Paper 2010-009A}

}

@incollection{b46,
	
	
		,
	title={{}}
	
	
		,
	journal={{London Journal of Research in Management and Business}}
		
	

}