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The origin of banking in Nigeria date back to the days of goldsmith in Venice and up till today personal services is still the main of banks output for her customers.

Services is the central banks motto in the distribution of its various production packages and marketing strategy implementation. It is also the bulwark of the industry in the fact of stringent government guideline and harsh monetary or fiscal policies. This is the view by Oguntade Adekunle M, In business times issue at February, 2 by aggressive marketing advertisement with the current  central banks director on deregulation of interest rate banks  must work extremely hard to be able to survive. 

Moreover in Nigeria  the economy has been largely exhibitive of classic sellers market in all sectors. Until the recent past the country is under banked and bank customers are require to accept consume of service without question as in very sellers market. No wonder irojiegu achiever   in his article of pricing of commercial bank service in business time issue of July II pointed out that so many  factor militate against rendering efficient banking services in Nigeria such as under bank in Nigeria  

Presently banking  in Nigeria has become more competitive. Rage Ani stated in business times issue of that as an effort to improve and provide innovative service bank especially commercial bank must step in line with the present trend in the bank market, the customers who are the ultimate target of the bank should be satisfied. 

Through delivery of service that satisfy the need of the customers,  the banks make their profits. This fact d also the viewed  that human needs are insatiable under score the need for a study to improve the services rendered to customers. The issue of efficient service in banking industry has been given services in banking industry has been given serious attention not only by the management.

The view is that commercial banks should provide prompt, friendly, courteous, orderly efficient and satisfying service to her customer in view of the firing, the relationship between bank and its customer is contractual. The because banking is about trust. The customer entrust their hard earned money with the banks for safe keeping here there is a debtor agency and the customer is the creditor while the customer become the debtor. Such a situation arises in case of advances or credit facilities to customers. Yet many bank are known for their Shaw- ness. In transacting business. 

Long quaver with customers waiting for hours to cash that cheques of deposit their money are common. To open as account. Is characterized by some today some tomorrow and next week syndrome. 

This is buttered in one of the national daily newspaper last few years in the heat of WAEC registration. An employee who was asking for two day casual leave to enable him purchase bank draft. Another a bank customer carried a mat to the bank so as to  sleep while waiting for his turn in the crowded banking hall to cash  to cash his cheque. Yet another a bank customer was being turned around by section of foreign exchange for him to exchange foreign currency. According to cyadzama M.W in his chairman statement   in the allied bank annual report that customer are treated with lack of seriousness by staff”. 

They believe it is right to deliberately delay customer as a result of their nonchalant attitude to work. It is always a daily occurrence to hear abuses flowing from customer to bank staff ever the protracted delay in completing bank transaction no wonder the chief of general staff vice Admeral Augustine Aikhomu during his regime stressed the part while addressing delegate during the 16th Anniversary of the Nigeria institute of bankers he said that her one observe brought balance sheet which are not  as a result of quality service emphasis mine or growth stimulation but a resource to drastic shift inasset portfolio characterized by more total avoidance of risk altogether.” That is why there is a need for re- orientation in attitude of bank staff towards their customers. Lest in the decade banking and the nations economic activities will certainly become more complex and sophisticated. 

In union bank plc garden Avenue Enugu  on which the case study is focused the story is not different. A brief mention of the origin of union bank Plc garden Avenue Enugu will de. It is the largest branch of union bank of Nigeria plc south  of the Nigeria. The manager banks with some areas mangers of union bank of Nigeria Plc. 

They also serve a good number or appreciable of two parties (staff and customer) are not satisfied with each other hence the study.  


In the service ministry effectiveness of management  of often judged by the quality of service and rendered. This is in turn determined by the time spend to obtain the service and the circumstances in which it is received. Customers are satisfied when they get the service  and the circumstance in which it is received. Customer are satisfied when they get the services they want at the right time right place right prices and in the right manner. 

As customers and users of bank directly or indirectly are aware of the various problem faced by the customers. 

It is very difficult to understand the peculiar char5acteristics of the bank and its customers.

- Despite the enhanced status of the banking staff  there is the problem of determine the adequacy of resources human and material for effective operation. 

- How the objective and aims of the bank are achieved 

- It is not dearf, the degree of staff customer relationship in union bank of Nigeria Plc 

- There are complaints from the customer for non satisfactory services. 


Bearing the stated problem in mind this study has been designed to explore ways of correcting the problem and of improving on the services. The purpose of this study there fore including the following 

- To find out  the characteristic of bank staff and their customers with particular reference to the union bank of Nigeria Plc. 

- To determine the adequacy of the resource human and material  for effective operation 

To  find out if the aims and objective of the bank are being achieved. 

To find out the degree of staff customer relationship 

To determine the extent of customer complaints about non satisfactory services.


Considering the uniqueness of the problem identified in the research the finding shall of  great importance to: satisfaction of customer needs through improved quality services. In the exposition of banker customer relation professor Nwankwo G.O expressed the position of the customer in such relationship. He expressed that customer are the main reason of banks existence. In that bankers are not doing any favour to the customer but that customer are doing bankers  favour by entrusting their hard earned money with them for safe  keeping . They customers make greatest demand on banks, the most important being getting their money when they  want it and source of the banks money when they need it. 

Therefore follows that a system of efficiency and courteous service to customers is crucial for retaining the customer patronage some commercial banks in Nigeria  appear to be in different to delay suffered by their customers with competition fast increasing in the banking  industry problem of design in bank can not be over looked especially if they must  retain their customers. The number awareness of today customer are increasing and therefore call. For even harder efforts on the part of bank. In this light it obligatory for  banks to improve their services. Anything short of that will be foolhardy and may endanger the life of the bank. The importance of this study also is that it will shed light on some of the causes and effects of unsatisfactory counter services in the Nigeria banks, which is the bane of the current Nigeria banking system. The bank staff management will find the exposition useful while curious customers will also benefit from the study. 


What are the characteristic of staff customers of the union bank of Nigeria Plc? 

-To what extent are the human and material resource adequate to achieve effective functionality in the union bank plc. 

- To what extent are the objective and aims of the union bank plc being achieve? 

- What  is the relation ship between union bank plc staff and customer of the graden Avenue branch Enugu?

-To what extent do the customers complaint out non satisfactory out non satisfactory vices affect the operation of the bank?   


There is no significant different at 0.5 in the perception of customers and staff on whether the service received in the bank meet the need and interest of the customer. This hypothesis is subject to verification with data obtained during the research.


This study concentrated on union bank plc of Nigeria garden Avenue Enugu as it represents the biggest branch of union bank plc east of the Niger. 

A study of commercial banking will not  be complete without an analysis of the impact of commercial banking on the day. Development of the general economy. But that scope of activity would be practicable impossible within the available term and given limited finance to cover the whole branches of the union bank Plc which number over 200 hundred).

This study therefore examine the causes of poor customer service and ways of improving it. Considering these factor the data and response to the questionnaire were limited to staff and customers of union bank of Nigeria Plc Garden Avenue, Enugu.


DEBTOR: Any person who owes money to some body is a debtor. 

In this case, if a customer entrusts his earn money with the bank for safe keeping it means that the bank is a debtor to the customer in regard. 

CREDITOR: Any person to whom money is owed is a creditor from the above illustration or the definition of a or the customer is the creditor to the bank. 

BANKDRAFT: This is a document used for transferring of money from one bank  to another.


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