ABSTRACT

The study was carried out to analyse how organizations and other stakeholders can make use of accounting ratios to critically analyse financial statements to evaluate organizational performance, using Union bank as case study. Union Bank of Nigeria Plc.      The analysis of financial disclosed that although investors and performance evaluation analysis reliced on financial statement in the decision and appraisal. The reliability of financial reports especially during inflation as in currently prevalent is not assured as a result of the historical cost convention as a basis for asset valuation; consequently, the use of these reports now in decision-making may lead to inadequate decisions.

TABLE OF CONTENT

TITLE PAGE APPROVAL PAGE DEDICATION ACKNOLEDGEMENT ABSTRAT TABLE OF CONTENTS

CHAPTER ONE INTRODUCTION STATEMENT OF THE PROBLEM OBJECTIVE OF THE STUDY RESEARCH QESTIONS RESEARCH HYPOTHESIS SIGNIFICANCE OF THE STUDY SCOPE AND LIMITATION OF THE STUDY DEFINITION OF TERMS

CHAPTER TWO REVIEW OF RELATED UTERATURE HISTORICA BACKGROUND OF UNION BANK OF NIGERIA PLC THE NEED FOR FINANCIAL REPORTS THE COMPOSITION OF THE FINANCIAL REPORTS THE CHIAIRMANS REPORTS THE DIRECTORS REPROT THE AUDITORS REPORT THE FINANCIAL STATEMENT

VARIOUS USERS OF FINANCIAL REPORTS AND THEIR INFORMATION NEEDS           SHAREHOLDERS LONG-TERM CREDITORS SHORT-TERM CREDITORS TAX AUTHORITIES AND GOVERNMENT EMPLOYEES AND TRADE UNIONS MANAGEMENT ANANLYSIS\ADVISES FINANCIAL REPORTING BY BANKS INTRODUCTION THE PRUDENTIAL GUIDELINES PERFORMANCE EVALUATION IN THE BANKING INDUSTRY EFFICIENCY AND PROFITABLITY POTENCIAL AND ACTUAL GROWTH LOANS AND ADVANCES

CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY RESEARCH DESIGN SOURCES OF DATA PRIMARY SOURCES SECONDARY SOURCES POPULATION OF THE STUDY MATHOD OF DATA PRESENTATION

METHODS OF DATA ANALYSIS 

CHAPTER FOUR

DATA PRESENTATION AND ANALYSIS

DATA ANALYSIS TECHNIGUES

TEST OF HYPOTHESISI

CHAPTE FIVE FINDINGS, RECOMMENDATIONS ANS CONCLUSIONS FINDINGS RECOMMENDATIONS CONCLUSION BIBLIOGRAPHY APPENDIX

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