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The Study Of The Impact Of Universal Banking In Nigeria Financial System .

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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. 

TABLE OF CONTENTS 
TITLE PAGE II
APPROVAL III
DEDICATION IV
ACKNOWLEDGEMENT V
PROPOSAL VIII
TABLE OF CONTENTS IX
LIST OF TABLES
LIST OF FIGURES 

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



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