Title page i

Certification ii

Dedication iii

Acknowledgement iv


Table of contents 

Chapter One

1.1Background of the study

1.2 Purpose of the study 

1.3 Statement of the problem 

1.4 Significance of the study 

1.5 Delimitation of the study 

1.6 Definition of the term 

Chapter Two 

Review of Related literature 

History and development of banking in Nigeria

2.1 The Nigeria banking environment

2. Definition of the term 

Definition of strategic management

The need for planning 

Relevance of strategic management in bank 

Formulation of strategic in banks 

Constraints of United Bank for African Plc 

Effectiveness of strategic planning       

Chapter Three

3.0 Research Methodology

3.1 Primary source 

3.2 Secondary source

3.3 Reliability and validity 

3.4 Population 

3.5 Sample size  

3.6 Design of questionnaire 

3.7 Administering questionnaire 

3.8 Statistical technique and instruments

Chapter Four

4.0 Interpretation and presentation of data analysis

4.1 Introduction 

4.2 Analysis of data through sample percentage 

4.3 Testing of hypothesis using chi-squares   

4.4 Interpretation of result.

Chapter Five

5.1 Summary,



5.4 References


The history of UBA can be traced to British and French Limited, which originated from BANOGE NATIONAL four Le Commerce etc industries (established in 1832).

Early in 1949, Messer E.E Hunger Butler and C. H. Baker were seconded from Banyan National Pour le Commerce, etc industries (established in 1932).

Early in 1949, Messer E. E Hunger Butler and C. H. Baker were seconded from Banyan National pours i.e. commerce, etc industries (BNCL) to Lagos, where they were assigned to make initial arrangements for the setting up of the British and French Bank.

In May 1949, the British and French Bank operation in Nigeria at the broad street, Lagos which today house apart of Kingsway store complex of February 23rd, 1961, its registered office was at 127129 board street Lagos. Mr. F De la Julie was the first general manager with its establishment UBA became the first bank among the international bank operating in Nigeria at the time to be over #4 million. The following United Bank for Africa annual report 1980 pages were:

                        The British and French bank

Bank nationals del lavabo of study

Monte, de paschi di siena of study

Bankers trust of new York the USA

Amstardem Rotherdown Bank at Holland

The bank has grown from its initial one office

Structure in 1961 to 2001 as early 1995, the banks paid-up capital has risen to #120 million


a.         To reduce uncertainty in decision-making as far as possible by anticipating and planning for future events.

b.         to make management move in a systematic way and form a long-term perspective, about concerns and short-term decisions.

c.         To ensure that the external environment and trends in it are monitored for potential opportunities and threats.

d.         To provide a mechanism for systematic appraisal of the internal strengths and weaknesses of the organization.      

e.         To provide a framework against which raw ideals for business development can be checked.

f.          To element in learning and motivation, enabling individuals to appreciate the role gauge than progress and evaluate the exact to which their effort and energy are being constructively spent.   

g.         To organization need yardsticks against which success or lack of it can be measured (it doesn’t know where it's going or won’t know its arrival)

h.         To help management to predict organization behavior to some extent.


The problem include    

Low growth of output A persistent depreciation of the naira exchange rate and its inflationary effort on prices. The high rate of unemployment Excessive high borrowing rate which discourages productive investment Reduction activities in the manufacturing sector.


The main significance of the study is to examine the United Banks for Africa Plc carries out the strategies management in this area of deregulation. This research aims to describe and assess the following. 

The extent to which the banks engaged in strategic planning The opportunities and threats traced by the banks The factor militating against its competitiveness.

The study shall also take a look at the internal structure at the bank with particular reference to:

The decision making and planning process The operational strength and weakness

Finally, the study tries to proffer solutions to problems being encountered and recommended alternative strategies.


The research work which is on strategies management in competitive banking environment requires geographically widespread and large population in view of the study to the banking environment in Osun State and with special emphasis to the strategic management of UBA Plc Osogbo, as it is possible to visit all the banks in Osun State talk less of that of the whole federation.    


The following limitation must be acknowledged as great constraints to the study.

Financial constraints. The economic situation in the country coupled with the ever-increasing in cost of materials services and other incidental costs imputed. Inputted into this research work made it difficult for the research to be carried out satisfaction. Strike action usually embarked upon in the academic environment by academic or nonacademic alike do create overlap among the academic calendar and bulk of academic work being lump together with other campus activities, thereby not creating enough time chance should be given to the student to operate on their research work by the student, the government school and existing in academic activities in campus in that more rooms would be created for a research project by the final year students.


a.         Planning is deciding what to do it, when to do it, and what to do it controlling coordinating organizing to achier the goals and objective

b.         Corporate Appraisal is part of a complex process whereby organizations set objectives for themselves and plan how to meet them in a systematic fashion.

c.         Objectives are those which are concerted with the goals work the organization as a whole.

d.         Management thus has come to be called human resources management and embraces the personnel functions of manpower planning and resources recruitment retention, development, and control labour turnover.



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