BANKER- CUSTOMER RELATIONSHIP IN NIGERIA BANKING INDUSTRY

TABLE OF CONTENT

Title page                                                                         i

Certification                                                                     ii

Dedication                                                                       iii

Acknowledgement                                                            iv

Title page                                                                                 v

CHAPTER ONE

INTRODUCTION

1.1      Background of the study

1.2      Purpose of the study

1.3      Hypothesis

1.4      Scope of study

1.5      Methodology and source of data

1.6      Organization of the study

CHAPTER TWO

Organization of plan

2.0   Literature review

CHAPTER THREE

3.0   Research methodology

3.1   Development of banking industry

3.2   Structure of Nigerian banking industry

3.3   Practice in the bank

3.4   Regulations guiding the practice in the banking

3.5   The nature of the banker and customer relation

3.6   Terminations of banker and customer relationship

3.7   Reason for relationship

CHAPTER FOUR

4.0   Presentation and analysis of data

4.1   Data presentation

4.2   Analysis of data

4.3   Findings

CHAPTER FIVE

5.0   Summary conclusion and recommendations

5.1   Summary

5.2   Conclusions

5.3   Recommendations 

Bibliography

CHAPTER ONE

1.1      INTRODUCTION OF THE STUDY

The role of banking industry in the development any country cannot be over emphasized. Their roles will even be more glaring in case they have enough customers; since it is the deposit of these customers they use to carry out their various roles.

Moreover, banking profession is one of the noble and most respectable in all over the world. The profession is fast gaining its respectability and dignity in Nigeria; this is because many Nigerians prefer to keep their money and other valuables in the bank

Rather than keeping it under their pillows beds and in private safe of individual Nigerian as it was observed in April 1984 during the currency exchange exercise where more shocking discovers were made when it was revealed that there was a tremendous increase in the volume of currency outside the banking system. Without any doubt there must be reason that should be responsible for the above mentioned statements and the reason were not farfetched from the fast that any customer lost faith in the manner in which the banking services are rendered. Many Nigerians were unhappy over the solid way Nigerians, banking commercial bank treat their customers.

Despite the fact that there has been a considerable expansion in the number of bank, as well as their network in Nigeria. This should at least he expanded to promote healthy competition to the advantage of the customers of banking services both in term of quantity and quality public of large had complained about one thing or other against their banks.

It will not  be out of point to say that new and unsure expecting worse dilemma may surface should these problem are not face squarely in order to restore users confidence in financial institutions

This project therefore is an attempt to combine the difference easily identifiable, criticism of banking services. An attempt will equally be made to recommend solutions.

1.2      PURPOSE OF THE STUDY

Regarding the above the main purpose of this study will be to find out what complaints the customers have against their bank. The awareness of such complains and the possible solution to it.

In doing this the development structure practice and regulations of banking system will be reviewed so as to determine the exempt to which they affect bank/ customers relationship in Nigeria.

1.3      HYPOTHESIS

the relationship between bank and customer was so  loose in days past when the banking service was announced but for the purpose of this study this hypothesis have formulated for testing throughout the research project – modernization and complex nature of banking services had made the relationship to be more tired than it could be assured

1.4      SCOPE AND LIMITATION OF THE STUDY

due to the fact that there are many banks, in the country and they are very complex in nature, the collection of data and information will be limited to union bank of Nigeria limited and the tide of financial constrains that is more pronounces every where it is practically a bone creaking issue for researchers to research and time as well contributed to it

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