THE STUDY OF THE IMPACT OF UNIVERSAL BANKING IN NIGERIA FINANCIAL SYSTEM .

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CHAPTER ONE
1.0 INTRODUCTION 1
1.1 BACKGROUND OF THE STUDY
1.2 STATEMENT OF THE PROBLEM 4
1.3 PURPOSE / OBJECTIVE OF THE STUDY 5
1.4 RESEARCH QUESTIONS 6
1.5 RESEARCH HYPOTHESIS 7
1.6 SIGNIFICANCE OF THE STUDY 9
1.7 SCOPE , LIMITATIONS AND DELIMITATIONS 10
1.8 OPERATION OF TERMS 11
CHAPTER TWO
1.0 REVIEW OF RELATED LITERATURE
2.1 OVER – VIEW OF NIGERIA FINANCIAL SYSTEM 16
2.2 REVIEW OF AN TEMPORARY DEVELOPMENT TO NIGERIA BANKING SYSTEM 17
2.3 NIGERIA FINANCIAL SYSTEM PRIOR TO THE ADOPTION OF THE PRINCIPLE OF UNIVERSAL BANKING 21
2.4 HISTORY OF UNIVERSAL BANKING IN NIGERIA 27
2.5 IMPERATIVE FOR UNIVERSAL BANKING IN NIGERIA 30
2.6 MODEL OF UNIVERSAL BANKING IN SELECTED
COUNTRIES 32
CHAPTER THREE
3.0 DESIGN AND METHODOLOGY
3.1 RESEARCH DESIGN 39
3.2 AREA OF STUDY 39
3.3 POPULATION 39
3.4 SAMPLE AND SAMPLING TECHNIQUES 40
3.5 INSTRUMENTS OF DATA COLLECTION 42
3.6 METHOD OF DATA PRESENTATION 42
3.7 METHOD OF DATA ANALYSIS 42
3.8 DECISION RULE 43
CHAPTER FOUR
4.0 DATA PRESENTATION AND ANALYSIS
4.1 DATA PRESENTATION 45
4.2 TESTING HYPOTHESIS 57
4.3 DISCUSSION OF FINDINGS 57
CHAPTER FIVE
5.0 FINDINGS, RECOMMENDATION AND CONCLUSION 76
5.1 SUMMARY OF FINDINGS 76
5.2 RECOMMENDATION 78
5.3 CONCLUSION 80
5.4 SUGGESTION FOR FURTHER STUDIES 81
BIBLIOGRAPHY 83
APPENDIX 1. COVERING LETTER 86
2. QUESTIONNAIRE 86
3. CRITICAL VALUE OF CHI – SQUARE91 DISTRIBUTION TABLE
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUND OF THE STUDY
The performance of the Nigeria banking sector has been a serious concern to the generality of Nigeria. Such Nigerians includes but are not restricted to politicians, the military, the academic community , industrialist , traders, and even the peasant community. As one reflects on the present state of the sector, one cannot but come to the sad conclusion that all is not well.
Actually, the method of expressing the dissentient within the banking sector may be varied but there is umainity in feedings. These feelings have one interpretation, which can be described in a polite language as bewilderment at the modes of operation of banks.
The questions that readily comes to mind is encapsulated in one sentence; what is wrong with our banking sector ? other questions fact draws from this includes.
(i) Is the problems that of management ?
(ii) Is the problem that of poor regulatory policy by the controlling authorities ?
(iii) Is the Nigeria banking environment inherently defective ?
Whatever the reasons that can be adduced for the unimpressed performance of this subsection, one thing is crystal clear, the banking sector is sick and may have lapsed into comma, therefore a serious surgical operations may be required to revitalize and sanitize it.
Furthermore, inspite of drastic changes that took place in the Nigeria Banking sector within the last decade in the area of institutional framework, legal and regulatory financial, the overall performance of this industry can be said to be grotesque, absend and in congruous with the expectation of Nigerians. (Emekewue, 2003) .
With the ever – increasing deregulation and liberalization of the financial system and the revolution in information technology, the Nigeria economy cannot but be affected by the globalization of the world economy. It will be faced with foreign competition for it is handily position for Nigeria to benefit from position result this phenomenon, such as capital flows, it mater have a health and sound financial system and institution with the capacity to play the global gave efficiently and effectively (CBN) Ballion 2003
Moreover, within the context of globalization, deregulation and liberalization, the preference will before a system that permits unfettered choice which is a vote for the universal banking, where the financial bankers between banks are removed and scope and operation of banks enhanced.
This, the concept of universal banking will allow banks the authority to decide on its portfolio of business, select appropriate delivery channels and faculties within an appropriate and applicable regulatory framework. The distinction between money, capital market and insurance business is survived, and the emergence of large financial conglomerates and banking group will be encourage.

1.2 STATEMENT OF THE PROBLEM
The banking crisis that gives rise to the failure of may banks has brought the venerability of the banking sector to constant focus. The failure may banks in fail country has not only posed integrity question but has greatly reduced the confidence, which is the greatest assets of banks.
This the researcher intends to study and examine the impact of the universal banking in Nigeria financial system and to make appropriate recommendation for optimum performance
1.3 PURPOSE / OBJECTIVE OF THE STUDY