ABSTRACT 

Commercial banks in Nigeria have been facing a of problem. These problem ranges from integrity factors location factor technological factor unstable management incompleteness of board members and unqualified personnel.

Therefore this study was aimed at looking into these problems so as to ascertain the impact on commercial banks as well as suggesting the possible ways of eliminating these problems. The researcher used three commercial banks for effective analysis namely union bank of Nigeria united bank of African and Afric bank.

In order to be arrive at a conclusion decision interviews literature review and personal observation were employed as the means of data collection. The three banks used were fund to be having almost the same basic problems even though some were bigger bank than others mismanagement politician instability and government interference in the daily affairs of banks were seen as problem to all commercial banks.

By way conclusion suggestion on how these problems can be prevented in the future were made.  One of these suggestions is by including professional who are competent in the field of banking.  Another is that government should minimize its interference in he activities of the commercial banks