This Research work is carried out to show and analyse the various types of services rendered by banks in Nigeria with special reference to commercial banks and Savannah Bank of Nigeria Pic. in particular and to Indicate whether or not such bank services are seen by beneficiaries or Customers to be adequately carried out. Further more, the study attempt to investigate the remote causes of lack of public confidence in 'banking services. Again availability of the various services is and the bases for thin study and therefore the research to bo conducted is aimed at verifying and ascertaining how authentic is general opinion usually hold by this public (bank's Customers) that the existence among others of adequate services and even personal relationship (in some cases) are the major objectives. Usually considered by bankers while carrying out their service functions.

 In Nigeria, the banking system can be divided or categorized into two major groups i.e. the apex bank (Central Bank) and the other banks,

 (development and non development banks) These other banks are made up of Commercial banks, Merchant banks, Development banks /Federal

 Savings Banks, Agricultural and Co-operative banks and Nigeria :>ank for Commerce and Industry, Federal Mortgage bank and Nigeria Industrial

 development bank. The functions of these banks are overlapping. In most cases, the Commercial banks tend to be more involve in all classes of

 banking activities than the others whose operations dominates tire Nigerian economy, as a result, attempt will be made in this research or

 study to focus attention on this sub-sector (Commercial Banking) in this thesis/Research Work.

 Although almost all commercial banks perform and operate the same or similar functions, more emphasis is being focus particularly on

 Savannah Bank of Nigeria Plc. (Personal Service Bank), and one of the

 leading commercial banks in the country with 08 branches nation wide. A sample size of 4 branches (Urban and Rural Brandies) was chosen.

 Based on the above, questionaires were administered on the selected bank branches and responses in some branches agreed,,

 disagreed or undecided or graded poor, good and excellent. A total of 40 Customers were administered in both Urban and Rural branches

 respectively. This was also based on random sampling and the beneficiaries' Customers included among other are families, traders.,

 Companies, Civil Servants, Foreigners working in Nigeria, students, teachers etc. Believe me 50 per-cent responded. Oral Interview were

 conducted among the various categories of the bank's and branches and Customers responded to drive more information.

 The result of the data using the simple percentage showed that firstly banking services are below standard in Nigeria. Secondly, there is the need for improvement of marketing strategies in the banking system and lastly, financial Institutions in Nigeria has not fully realised the [importance

 of marketing to them thus:-

 (a) Banking services (emphasis on Savannah Bank of Nigeria Plc.) are generally rendered poorly and therefore not satisfied.

 (b) Public confidence in the banking Industry/System especially as to the availability of various services rendered (acceptance

 of deposits, standing orders inquiries lending cashing facilities transfers etc) among aothers is dwindling.

 (c) Banking services are still not being enjoyed by a large proportion of the Nigerian Populace as a result of concentration of Banks mostly in the Urban areas.

 The Hypothesis were tested based on percentage distribution of the responses to the test indicated as follows:-

 (!) banking services are considered by Customers to be poor especially in relation to time factor i.e. time spent by

 Customers while waiting to be served. For instance while trying to cash cheques, most of the bank's branches involved claimed that their services are in order, while at the same time they want to introduce new ideas tor improvement

 i) services. This is contradictory.

 (ii) Banking services in relation to granting of credit facilities among the one thousand and oneservices are to some extend personified and rigid thereby discouraging a good numbers of both existing and prospective customers (Loan Constraint). Bank staff in this regard have been accused of

 various malpractices or (Unerthnical behaviours in the performance of these services).

 (iii) Emphasis arc usually placed on collateral/securities such as certificate of occupancy on landed properties (restricted to state C of O). Cash backed and other tangible securities.

 Indeed most Nigerian especially rural dwellers own land on family and or hereditary basis and therefore do not possess any ownership or certificate to cover them.

 Based on the above study, vital recommendations, which are/is believed would enhance efficiency and improve banking services therefore restore public confidence in banks, were made at the end of the study.

 Among the recommendations made are:-

 (a) Banks should adopt new methods by which customer?; will spend less time while waiting to be served especially when trying to cash cheques and acceptance of large deposits. In this light, suggestions were made such as outiight payment of cheques presented to the teller (cashier) at the counter up to a

 certain amount.

 (b) Bank's staff should accept and adopt better attitude, approach and method while rendering services Ho customers.

 (c) Less emphasis should he placed on personal knowledge, Know how or relationship as a yard stick for rendering good

 services. This is better achieve when staffers are not deploy to their state or place of origin.

 (d) A new system of banking should be introduced in the rural areas which will be result oriented in order to aid as well as

 develop the rural economy.

 (f) The staff should be given better training in order to better their performance on the job by interacting with others (other bankers and similar institutions) other than the reference bank provides greater oppoi Utility for exchange of ideas, knowledge achievement and improve relationship.

 (g) Job routine and redeployment.

 These recommendations focused largely on the need to improve services rendered to customers by doing so, more customers, come in to utilise the bank's services. This is one of the main strategies in marketing.

 On the whole, the banks should improve their marketing strategies in order to satisfy their customers and to withstand the increasing competition in the Nigerian banking system today as a result of the proliferation of banks.