EFFECTIVE BUDGET UTILIZATION BY ACCESS BANK MANAGERS-A WAY FORWARD FOR SUSTAINABLE BANK PERFORMANCE

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EFFECTIVE BUDGET UTILIZATION BY ACCESS BANK MANAGERS-A WAY FORWARD FOR SUSTAINABLE BANK PERFORMANCE

Abstract

This study examines Effective Budget Utilization by Access Bank Managers as a Way Forward for Sustainable Bank Performance. The research explores the relationship between budget planning, implementation, and performance outcomes in Access Bank. The objectives include identifying the role of effective budget utilization in enhancing profitability, operational efficiency, and resource allocation within the bank. Using a mixed-method approach, both primary and secondary data were collected through structured questionnaires distributed to bank managers and financial reports of Access Bank.

Data were analyzed using descriptive and inferential statistical methods, including regression and correlation analysis, to assess the impact of budget management on performance indicators such as return on assets (ROA) and cost-to-income ratio. Findings reveal that effective budget utilization significantly contributes to improved performance, providing insights into areas such as cost control, revenue generation, and strategic investment planning. Poor budget implementation and lack of monitoring were identified as major barriers to sustainability.

The study concludes that robust budgetary practices, coupled with periodic reviews and staff training on financial management, are critical for sustaining competitive advantage in the banking sector. Recommendations include adopting technology-driven budget systems, enhancing managerial accountability, and promoting transparency in budget execution. This research provides a framework for Access Bank and other financial institutions to achieve long-term sustainable performance through effective budget utilization.

Keywords: Budget Utilization, Bank Performance, Access Bank, Sustainability, Financial Management

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