Deposit mobilization and profitability are the twins of management which make the subject matter of this research work to cut across virtually all management functions and their application in the banking industry. The research paper also highlighted the benefit of efficient marketing activities on deposit mobilization in the banking industry. The research paper analyzed in detail the problems that are facing our banking sectors and not care or worry attitudes of our banking executive towards the effective’s use of the problem. However, deposit mobilization involves the various ways through which funds can be mobilized from the public. In essence, marketing activities on profitability are the activities of identifying current market situation, analyzing the current market opportunity threat and issues set objectives, devices a marketing strategy, set of implementation policy, the operating budgeted statement in achieving set tasks and finally a technique for its successful operation. The research works also examine how practicable the marketing activities on deposit mobilization and profitability in our banking sectors carried out detailed research. And the Banking sector needs this instrument of marketing activities in analyzing their immediate environment so as to give some experience of a particular problem of any pertinent development in the environment. 


Tile page i


Dedication iii

Acknowledgement iv

Table of Contents v

Abstract    vi



1. Background of the Study 1 - 2

2. Justification of the Study 2 

3. Statement of the Problems 2

4. Objective of the Study 3

5. Methodology of the Study and Statement of Hypothesis 3

6. Scope of the Study    3

7. Limitation of the Study 3 - 4

8. Literature Review 4



1. Introduction 5 - 6

2. Review of Related Literature 6 - 7

3. What is Marketing Activities 7 - 8

4. Various Ways at which Marketing Activities is are being 

carried out by banks 8 - 11

5. Problems Encountered in Marketing Activities 11

6. The Impact of Marketing Activities on Deposit

 Mobilization 11 - 12

7. The Impact of Marketing Activities on Bank Profitability 12

8. The Effect of Deposit Mobilization on Profitability of Bank  13

9.Controlling Marketing Activities 13 - 14

10. Benefit of Deposit Mobilization and Profitability on Bank 14



1. Service of Data  15

2. Research Question and Hypothesis 15

3. Research Design 15

4. Study of Population 15

5. Sample Design and Procedure 16

6. Data Collection Instrument 16

7. Administration of Instrument  16

8. Procedure of Data Analysis 16



1. Presentation and Analysis of Data Using Research 

Questions 17 - 25

2. Presentation and Analysis of Data According to

 Hypothesis 25

3. Summary of Findings 26 - 30



1. Summary 31

2. Conclusion 31 - 32

3. Recommendation 32

Bibliography 33

Appendixes 34 – 36    

CHAPTER ONE1.0       INTRODUCTION1.1       BACKGROUND OF THE STUDYWith the current level of competition in the banking industry, the area which makes the banking comfortable is definitely over the threat posed by the announcement of a new capitalization requirements of #25 billion for all banks by the Central Bank of Nigeria in July, (2004) introduced a fundamental challenge the altered the operating dynamics of the banking industry. As part of the wider agenda by the monetary authorities to engender the consolidation of the banking industry. This project work is intended to examine the impact of marketing activities on Deposit Mobilization and Profitability in Nigeria Banks.Marketing itself is defined as the performance of business activities that direct the flow of goods and services from producer to consumer or user. This definition was given by the “American Marketing Association”. Steven Hillested and Eric (1995) both defined marketing as the “process of understanding customers” wants and needs and designing appropriate programmes and services to meet those wants and needs in a timely, cost effective competitive fashion.      The financial repressions theory developed by Kinnon and Shaw (1973) indicated that low-interest rates lead to capital flight theory reducing the availability of lend-able funds for investment and growth in the domestic economy. On the other hand, an increase in the real interest rate will increase the cash inflow and deposit base of banks for investment and growth in the domestic economy.   Furthermore, the removal of controls on interest rate and credit ceiling can be expected to greatly enhance the efficiency of financial intimidation by channeling credit to high-yielding investment opportunities. It is also expected “That by restructuring the banking sector and training banking officials and staff, having their own, marketing and also a competent bank marketing manager, capacity of the banking sector will be improved with the increase banking services available to the public.It is argued that competition will not be possible if the banking sector is dominated by government-owned banking institutions and that risk of inefficiency is associated with direct credit controls with pre-reform government intervention.    The marketing approach providing any type of product or service is to identify the need of a particular customer and offer a particular product or service that will satisfy the need. The provider of the product or services should be able to make a profit while satisfying a customer's need at the same time.Finally, the opening of financial markets to foreign competition will provide an incentive for banking institution to adopt efficient means of delivering banking services. A close look at the banking industry will show that some of the banks have fully responded to the development within their business environment. They should not remain static to the old philosophy in a dynamic environment but cherishing a system of looking beyond present period and not leaving every thing to change.  1.2       JUSTIFICATION OF THE STUDYIt is helped that this research work will contribute in no small measure to both the academic endeavour and practices of the related professions especially in the banking sector. Among the areas which the research work contributes are:Setting of the organizational goals and objective Implementation of marketing activitiesActions towards increasing the profitability of banks.1.3       STATEMENT OF THE PROBLEM  The non-chalant attitude of our banking industry to make cognizance of environmental changes have make their executives to pay little or no attention to the importance of marketing activities on deposit mobilization of bank and it’s profitability. This is something that has led to services of problem in our banking industry and which has done untold damage to the sectors and economy in general. The problems that will be identified in this project are as follows:-           Lack of proper marketing objectives.-           Unplanned marketing activities  -           Inability to spot adequately market performance and threat in the market.-           Inadequate evaluation of proper marketing activities result.-           Inability to establish organizational goals and objectives.-           It prevents them from identify the failure business characters and the development of marketing strategy.-           Poor implementation of marketing programme toward achievement of organizations goals and objectives.1.4       OBJECTIVE OF THE STUDYThe objective of this project is to examine the impact of marketing activities on deposit mobilization and profitability of the Nigerian banks are case study of intercontinental bank plc and to make recommendations. 



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