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The Project File Details
This research work was aimed at list for creating customer patronage for Bank services. Using Diamond Bank Nig. Plc as the case study. The study also examined the commitment of the bank towards ensuring a better service and to better advice in the appropriate percentage of the Quality of service to be used so as to increase the customers patronage of the Diamond Bank Nig. Plc.
To achieve this, directly related literature was reviewed. Also questionnaires were distributed to both the management/staff of the Diamond Bank Nig. Plc and their responses as well as to collect data to lest the hypotheses for the study.
The population of this study is restricted to the relevant staff/management which I about (69) sixty – nine and for the customers is about (100, 000) Hundred thousand. The sample size was determined (Three Hundred and Ninety – eight).
In analyzing the research instrument used, Chi – Square method of statistical analysis were used to anlyse and test of hypotheses.
The findings of the study are as follows:-
Based on the above findings, the following recommendations were equally made:-
Chapter one:
Introduction
Chapter two
Literature review
2.1.1 Service reliability
2.3.1 Dimensions of quality
2.5.1 Bank marketing management
concept of service quality.
2.6.1 Client service
on diamond bank nig. Plc.
diamond bank nig. Plc.
Chapter three
Research methodology.
treatment and analysis
Chapter four:
Presentation, analysis and interpretation of data
4.1 hypotheses testing
Chapter five:
Summary of findings, recommendation
and conclusion
Bibliography
Appendix (I)
Appendix (II)
INTRODUCTION
The performance of Banks in Nigeria has been viewed by many from different perceptivity. Assets, quality and managerial efficiency have been seen by many as determinants of Banks performance, while a reasonable percentage of identified capital adequacy, as critical for Bank performance. Other factors have also been seen, as determinants of bank performance like bank liquidity and volume of loan portfolio.
A service is any act or performance that one party can offer to another that is essentially intangibility of a service makes it mandatory that, the recipient must hold on to something which he or she will term to be of quality so as to encourage patronage and patronage can only be enhanced when the recipient is satisfied with the services resaved. (See love lock 1991.300)
DEVELOPMENT OF COMMERCIAL BANKING IN NIGERIA.
BRITISH BANK OF WEST AFRICAN: – Adekage (1986 pg.160: The first commercial ban – the African (BBWA) in 1893 with 810, 000 capital, later increased to #1100, 000 during the same year. It was registered in London as a limited liability company in March 1894 and the first Lagos branches were opened in major West African cities. Accra, Freetown Bathurst. The bank opened its second Nigerian branch in old Calabar in 1900. Another bank called the Anglo African bank was eatable led in old Calabar by the Royal Nigeria Company (Now U. A. C) to complete with BBWA. The bank later changed its name to banks of Nigeria and established branches in Burutu, Lokoja and Jebba. However, due to fierce competition and the monopoly for the importation of silver from the Royal Mint enjoyed by BBWA, they sold out to BBWA in 1912.
BARCLAYS’ BANK DOMINION, COLONIAL AND OVERSEAS.
This bank opened its first branch Lagos in 1917. (It is now known as “Union Bank” soon after other branches was opened. The Nigeria banking scene was, therefore dominion by these two British banks. BBWA and Berchay’s Bank DCO between 1894 and 1933.
BRITISH AND FRENCH BANKS: –
The British and French Bank, now called United Bank for Africa Ltd. (U. B. A) was established in 1949 making it the third expatriate bank to dominion early Nigerian Commercial banking.
The foreign banks came principally to render services in connection with international trade so their relationships at that time were chiefly the expatriate. They largely ignored the development of local African entrepreneurship together, there three-bank deposit. From 1914 to early 1930’s several abortive attempts were made to establish locally owned and managed banks to break the foreign monopoly
INDIGENOUS BANKS: –
In 1929, the industrial and commercial bank was set up by a handful of patriotic Nigerians. It folded up in 1930 due to under capitalization, poor management and aggressive competition from the expatriate banks.
In 1931 another indigenous bank, the Nigerian merchant banks was established. Like its predecessor, it went into liquidation I n1936.
With greater courage and planning. The same group of Nigeria Ltd. which was the first indigenous bank to survive. The next private indigenous banks to be established was the Agbonnagbe bank founded by chief Okupe in 1945.
This bank was taken over by the Western States Government in 1969 and its name was changed up in the early 1940’s collapsed in 946 under the weight of mismanagement.
This was followed by the Nigerian farm and commercial Bank in 1947 which failed in 1953. The merchant Bank opened business in 1953 and closed in 1960. Indeed, this was a period of free – for – all banking between 1947 and 1952, a total of 22 banks were registered in Nigeria, according to a study conducted by C.B.N. However, a figure as high as (185) banks was quoted from government records and was confirmed by the financial secretary as the number actually registered as banking companies between 1945 and 1952 of which 145 were registered in 1942 and 40 in 1952. Most of the banks however, merely registered without actually commencing operation. The nest successfully established indigenous bank was the African Continental Bank founded by (Dr. Nnamdi Azikiwe) in 1947. The need for legislation for the control of banking in Nigeria became very apparent mainly to protect depositors. The colonial government therefore, set up a commission of inquiry the paten commission. Consequent upon the report of the commission the first banking legislation was passed in 1952.
1.2 STATEMENT OF THE PROBLEM:
H0:1 Service Quality in Diamond Bank has not in any way helped in generating patronage for the Bank.
Hi:1 Service Quality in Diamond Bank has helped in generating patronage for the Bank.
H0:2 The service delivery system of Diamond Bank is not reliable.
Hi:2 The Service delivery system of Diamond Bank is reliable.
H0:3 The service delivery system of Diamond Bank is not adequate to customers.
Hi:3 The service delivery system of Diamond Bank is adequate to customers.
Quality is indispensable for the increase and heightened performance in the operation of any service institutions especially in the banking industry, which is characterized by intense competition, and is presently operation in on ear of “Flight for quality”, amidst distress in banks in the recent past.
The significance of this study to Diamond Bank of Nigerian Plc is to see quality in service as a central focus for better customer patronage, the study will also be significant to other banks or competitors and other banking institutions who will see that patronage is only better to increased through quality in service without paying lips service to customers, and this will inturn re-position the economy to better financial state. The study will also be relevant to customers because they will get better customer services such as speed and accuracy. The study will also broaden the knowledge of the research in the areas of banking, service quality, reasons for increase customer’s patronage etc.
This study is restricted to Diamond Bank main branch office at number 22, Okpara Avenue Enugu. The reason for this is because of the bank system of branch net working which allows for a singular focus of the bank within a given territory to achieve the set objectives of the bank.
Service: Is any act or performance that one party can offer to another that is essentially intangible and does not result in the ownership of anything (LOVE LOCK H. Service Marketing, 1991)
Bank: A bank is a place where money and other valuable are kept for proper safekeeping. (ANYANWAOKORO Banking practices, 1998 P, 18).
BANKING LIQUIDITY: This means when a bank is usually able to settle short-term and maturing financial obligations at short notice (ANYANWAOKORO Banking pratices 1995. P. 183).
LONG PORTFOLIO: this simply means package of loan method, types of loan and the management of loan risk (DR. ORJO ELEMENT OF BANKING 1993 P. 86).
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