A survey on problems of marketing commercial bank services

 

Table Of Contents

  • <p> </p><p>Title page &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;ii</p><p>Approval page &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;iii</p><p>Dedication &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; iv</p><p>Acknowledgement &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; v</p><p>Table of contents &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; vi</p><p><strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;

Chapter ONE

INTRODUCTION

  • </strong></p><p>
  • 1.0&nbsp; &nbsp; introduction &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1</p><p>
  • 1.1&nbsp; &nbsp; background of study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1</p><p>
  • 1.2&nbsp; &nbsp; statements of the problems &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;8</p><p>
  • 1.3&nbsp; &nbsp; purpose of study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 11</p><p>
  • 1.4&nbsp; &nbsp; scope of the study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 11</p><p>
  • 1.5&nbsp; &nbsp; research questions &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 12</p><p>
  • 1.6&nbsp; &nbsp; null hypotheses &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;13</p><p>
  • 1.7&nbsp; &nbsp; Significant of the study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;14</p><p><strong>

Chapter TWO

LITERATURE REVIEW

  • &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</strong></p><p>
  • 2.0&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Review of related literatures &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;16</p><p>
  • 2.1&nbsp; &nbsp; Marketing concepts &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 16</p><p>
  • 2.2&nbsp; &nbsp; Relevance of marketing to banking &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;21</p><p>
  • 2.3&nbsp; &nbsp; A review of the Nigeria banking industry &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;23</p><p>
  • 2.4&nbsp; &nbsp; Summary of the literature reviewed &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 29</p><p><strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;

Chapter THREE

RESEARCH METHODOLOGY

  • </strong></p><p>
  • 3.0&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Research methodology &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 32</p><p>
  • 3.1&nbsp; &nbsp; Research design &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 32</p><p>
  • 3.2&nbsp; &nbsp; Area of the study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 33</p><p>
  • 3.3&nbsp; &nbsp; Population of the study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 33</p><p>
  • 3.4&nbsp; &nbsp; Sample and sampling procedure &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;33</p><p>
  • 3.5&nbsp; &nbsp; Instrument for data collection &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;34</p><p>
  • 3.6&nbsp; &nbsp; Validation of the instrument &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;35</p><p>
  • 3.7&nbsp; &nbsp; Reliability of the instrument &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;35</p><p>
  • 3.8&nbsp; &nbsp; Administration of the instrument &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;36</p><p>
  • 3.9&nbsp; &nbsp; Method of data analysis &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;37</p><p><strong>

Chapter FOUR

DATA PRESENTATION AND ANALYSIS

  • &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</strong></p><p>
  • 4.0&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Data presentation and analysis &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 39</p><p>
  • 4.1&nbsp; &nbsp; Summary of Result &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;53</p><p><strong>

Chapter FIVE

SUMMARY, CONCLUSION AND RECOMMENDATIONS

  • </strong></p><p>
  • 5.0&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Discussion, implications and recommendation &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;54</p><p>
  • 5.1&nbsp; &nbsp; discussions of results &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 54</p><p>
  • 5.2&nbsp; &nbsp; conclusions &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;56</p><p>
  • 5.3&nbsp; &nbsp; recommendations &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 57</p><p>
  • 5.4&nbsp; &nbsp; implications of the findings &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 59</p><p>
  • 5.5&nbsp; &nbsp; suggestions for further research &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;60</p><p>
  • 5.6&nbsp; &nbsp; limitation of the study &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 61</p><p>References &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;62</p><p>Appendix &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 65</p> <br><p></p>

Project Abstract

Marketing commercial bank services presents unique challenges and opportunities due to the nature of the industry and the competitive landscape. This research project aims to investigate the problems faced by commercial banks in marketing their services to customers. The study will involve a survey of both customers and bank professionals to gather insights into the key issues affecting the marketing of commercial bank services. The research will focus on identifying common challenges such as customer trust, competition from non-banking institutions, regulatory restrictions, and technological advancements. By understanding these challenges, commercial banks can develop more effective marketing strategies to attract and retain customers. Through the survey, the research will also explore the perceptions of customers regarding the quality of services offered by commercial banks, their satisfaction levels, and their preferences when choosing a bank. This information will help banks tailor their marketing efforts to better meet the needs and expectations of their target customers. In addition to customer perspectives, the survey will gather insights from bank professionals on the internal barriers and constraints that impact their marketing efforts. This will include factors such as budget limitations, lack of marketing expertise, and organizational culture. By addressing these internal challenges, banks can enhance their marketing performance and achieve their business objectives more effectively. The findings of this research project will provide valuable insights for commercial banks looking to improve their marketing strategies and enhance their competitive position in the market. By understanding the specific problems faced in marketing bank services, institutions can develop targeted solutions that address the root causes of these challenges. Overall, this research project aims to contribute to the body of knowledge on marketing commercial bank services and provide practical recommendations for banks to overcome the obstacles they face in promoting their services to customers. By addressing these challenges head-on, banks can differentiate themselves in a crowded market, build stronger customer relationships, and ultimately drive business growth and profitability.

Project Overview

<p> </p><p><strong>1.0 &nbsp; &nbsp; INTRODUCTION</strong></p><p><strong>1.1 &nbsp; &nbsp; BACKGROUND OF THE STUDY</strong></p><p>for bank to survive in &nbsp; today’s growing dynamic highly competitive bank environment the marketing &nbsp;of the banking service is indeed inevitable so that they can serve its customers with a well tail over package and creating programme in order to meet adequately &nbsp;the various needs of its customers and other company specific requirements.</p><p>Marketing starts when one social unit anticipates identifies &nbsp;and designs the feature of a product or services to march the need structure of other social units. &nbsp;These efforts are made with the intent to obtain a transaction between competent social units Okafor U. (1994:9)</p><p>The marketing concept as a management orientation according to Philip kofler holds that the key to achieving organization goal is imbibed in the organization determining &nbsp;the need &nbsp;and &nbsp;wants of target market undercutting &nbsp; &nbsp;itself to delivering the desired &nbsp;satisfaction more effecting and efficiently than its competitors. &nbsp;Bank marketing therefore could be described as the process through which banks affect and keep customers by designing &nbsp;and offering service and inventions that make banking advantages to those customers.</p><p>Marketing &nbsp;did not come into banks with “marketing &nbsp;concept but with the advertising and promotion concept.</p><p>Banks were facing increased completion and a few stinted to embark on aggressive advertising people to a &nbsp; &nbsp;bank in easy but converting them to loyal customers is difficult hence the interdiction of the marketing concept.</p><p>Here they had to formulate programmes to please these customers and in achieving this they tried to offer a veracity of financial and specialized service to them.</p><p>they used tried to install a lot of effective systems for efficient marketing analysis implementation and control (kotler, 1994: 28)</p><p>The central bank of Nigeria (CBN) has the responsibility of defining the requirements for the establishment of various classes of bank have on their own defined &nbsp;their service requirement some example are shown in the table over-leaf</p><p>TABLE OF SERVICE REQUIREMENTS</p><p>Name of bank</p><p>Classification of services</p><p>Nature of financial requirement</p><p>Nature of services required</p><p>NAL merchant bank</p><p>Whole sale banking</p><p>Accept large deposits for major financiers</p><p>Provisions of leans for long term projects and ensuring the service of such leans.</p><p>Nigeria bank for commerce and industry (NBC)</p><p>financing and merchant banking</p><p>Equity capital grant from federal government and CBN plus short falls on loans to small and medium seals enterprise</p><p>Cranking of loans share under writing , project identification and feasibility studies.</p><p>Union bank of Nigeria plc</p><p>Commercial</p><p>Required to deposit 200,000,000,as capitalization fee</p><p>Provision of loans and short term credit facilities &nbsp;the needing public</p><p>Nigeria industrial development bank</p><p>Aiding industrial development</p><p>Total assets are 50.4 billion naira</p><p>Provides credit and other facilities to industries</p><p>First bank Nigeria plc</p><p>Commercial</p><p>Required to deposit 200,000,000 as capitalization fee.</p><p>Provision of loans and short term credit facilities to the needing public.</p><p>Form this we discover that different kinds of banks provide different service and the service of commercials banks are unique because they meet the personal needs of their customers. &nbsp;It is an the strength of this uniqueness that a definition of commercial banks and their services will be given.</p><p>Commercial bank can be defined as those banks whose naira purpose is to grant short term loans to individuals grounds organizations and government agencies and channel them to more profitable investments (Okafor. U &nbsp;1994 pg .10) commercial &nbsp;banks provide a wide range of service to their different customers. &nbsp;There service identified separately via the provision of satisfaction and they have the &nbsp;following characteristics.</p><p>(a) &nbsp; &nbsp; inseparability: The provider of &nbsp;each service cannot be separate from the service itself .</p><p>(b) &nbsp; &nbsp; perish ability: service cannot be stored till later without loss of revenue no matter have much business is generate on subsequent days.</p><p>(c) &nbsp; &nbsp; &nbsp;heterogeneity: The service differ since it is impossible for a customer to get the same level of service on each trip to his bank. &nbsp;This make it difficult for the bank to standardize each unit of the same service package to different customers.</p><p>(d) &nbsp; &nbsp; intangibility: these service rendered cannot &nbsp;be touched or felt. Through research &nbsp; discoveries commercial.</p><p><strong>PROFILE OF UNION BANK OF NIGERIA PLC</strong></p><p>Union &nbsp;bank of Nigeria plc was established as a commercial &nbsp;bank in Nigeria in 1917 with the name colonial bank. After a merger with some other banks in the union kingdom &nbsp;in 1925 the was christened “Bardays” bank dominion.</p> <br><p></p>
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