journals is also available upon request of readers and authors. • NGN50 billion targeted credit facility through NIRSAL Microfinance Bank for households and MSMEs. Hence, the successful implementation of ICT is a must for the development of any bank. By linking the benefits of diversification to the costs, the paper derives an optimal size of the bank, which is bounded. It is recommended that more service points and user-friendly customer-oriented financial products be provided to support this initiative. DD/TD : The ratio of Demand Deposits to Total Deposits for the banking sector. That will shatter the old ways of doing business. Statistically significant relationships are observed and their policy implications suggested. Using an annual time series data spanning the period of 1992-2014 with the application of the estimation techniques of ordinary least square (OLS), co integration test, alongside granger causality test. globalization) from 1981 to 2018. banks has remained a critical issue in which banks have to contend with. Small and Medium Enterprises (SMEs) plays a unique role in every economy and Nigeria inclusive. Data analysis was based on responses obtained from 120 customers of three Deposit Money Banks within Ogun and Lagos States of Nigeria. Secondary data was collected from the CBN statistical bulletin and national bureau of Statistics. This will induce growth in the sector. In 1991, the commercial banks were introduced in Nigeria by the same name decree. The quest for enhancing productivity in the stock markets is reinforced by the trends in globalization. liberalization in SSA has enhanced human development in the region in the past two and However, the paper observes that most banks in Nigeria are facing keen competition both within and outside the shores of Nigeria such as mass movement of high-asset based banks towards efficiency thereby combining their advantages of big assets with efficiency which further expands their market and narrows those of the banks with relatively lower assets. ease of use. at the first difference. Nigeria, accounting for the moderating role globalization (economic, social and political technology has facilitated financial intermediation, sophisticated dimension in the wake of information technology. Investigating the effect of changes in the marketstructure on profitability is based on the structure-conduct-performance (SCP) and efficient-structure (E-S)hypotheses. This study examined the impact of derivative instruments on risk management in the Nigerian banking sector, between 2014 and 2018. However, the study concludes that banking system credit to SMEs will accelerate the SMEs growth in particular and the growth of the Nigeria economy in general, knowing full well, that SMEs with its potential can absorb the increasing level of unemployment experienced in the country and has the capability of turning a greater number of Nigerians from their poor state if the sector is accorded it rightful place. Total bank deposits (Log. inflation, resource dependence, and unproductive fiscal operations. Finally, overall conclusions from the research are drawn. We first generate market-based measures of banks’ systemic risk exposures using extreme value analysis. This negative nexus led to concomitant low MSMEs productivity in Nigeria. • NGN100 billion to support the health sector, NGN2 trillion to the manufacturing sector, and NGN1.5 trillion to impacted industries in the real sector. Coefficients of the SPSS Regression Result. This was done using the enterprise survey data carried out in 2016 by the World Bank in Cameroon. banking system intensified as the crisis progressed, and it was revealed that some banks were using the central bank discount window as an ongoing source of funding. to build up investors’ confidence in the capital market by macro-financial policies in the continent. In light of these results, we conclude that there is a positiverelationship between profitability and concentration.The results of market share (MS) which is used for efficient structure (E-S) hypothesis explain a negativerelationship with profitability. governance and its importance. Using panel data of 12 Nigerian commercial banks between 2004 and 2013, the results of the empirical analysis carried out supports the structure performance hypothesis against the efficiency-performance hypothesis. The paper is a conceptual study that Volume 15 Education And Economic Diversification For Self-reliance In Nigeria. Applying the recently developed unit root with Guidelines on electronic banking in Nigeria: The Central Bank of Nigeria (CBN) recognizes that electronic banking and payments services are still at the cradle stages of development in Nigeria. Five Nigerian banks were purposefully sampled for the study. System therefore functions more efficiently and effectively when there is a must the! Potential borrowers seeks to examine banking reforms and their effects on the theory of diversification to the structure-conduct-performance. Accounts and reports of five ( 5 ) food production companies for investment shown evidence! 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