Title page i

Certification ii

Dedication iii

Acknowledgement iv 

Table of Content v


1.1 Introduction 1

1.2 Statement of problem4

1.3 Statement of research question5

1.4 Aims and objectives of the study6

1.5 Statement of the research hypothesis 7

1.6 Significance/ justification of the study7

1.7 Scopes and limitation of the study8

1.8 Definition of key terms10

1.9 Plan and organization of the study11


2.1 Literature Review13

2.2 brief history of the case study14

2.3 benefit of personal selling17

2.4 personal selling in the united bank for Africa 18

2.5 summary of review 21

2.6 formulation of hypothesis 22

2.7 element of personal selling 23

2.8 the essential aspect of personal selling 24

2.9 role of personal selling in an organization 26


Research Methodology 

3.1 introduction 27

3.2 source of data27

3.3 Data analysis techniques 28 

3.4 population sample 29

3.5 significance of the study 29


4.0 Data presentation and analysis31

4.1 data of presentation 31

4.2 Testing of hypothesis35

4.3 Summary of findings35


Summary, Conclusion and Recommendation

5.1 Summary of report37

5.2 Conclusion40

5.3 Recommendation 40




The evolution of different companies with different banking increases the rate of competition which brings about the need to develop approaches which serve as a guide and platform for the company’s development and survival in a short and longtime.

There must exist writing the company effective promotional tool which will ensure steady growth and development of the company. Especially in the face of depression in a developing country like Nigeria. 

The role of personal selling as an essential tool for company growth cannot be over emphasized as it helps to define longtime policy of the company and ways of achieving these effects for the company benefit.

Personal selling means findings alternation opportunities and developing profitable personal selling, selling specifics a target market. It is a process of promoting and maintaining personal selling between the goals of the company, the capacities and its selling opportunities. It relies on developing a clear company’s objectives.

Hence, the bank management will be saddled with the responsibility of seeing their own plan work effective as expected.

In one of the reasons that could be adduced for it is that might be doe to the fact that people have lost faith in the banking services, either for the delay the encountered in the bank whenever they want to save or collect money from the bank. Personal selling is the interpersonal arm of the promotion mix; advertising consists of one way non personal with target consumer groups.

In contrast, personal selling involves two ways personal communication between salespeople and individual customer, whether face by telephone or by other means.

As such personal selling can become effective than advertising in more complex selling situations sales personal can probe customers to learn more about their problems.

They can build long-term personal relationship with key decision makers. The role of personal selling varies from company to company, some firms have no sales personal at all for example, organization that sell only through mail order catalogues or through, customer, representative, sales agent or brokers.

As banks more toward a stronger market orientation, their sale forces are becoming more market focused and customer oriented. The old view was that salespeople should worry about sales and the company should worry about profit.

Personal selling rather than a sale oriented sales force will more effective in the long run. Beyond winning new customers and marking sales, it will help the company to create long-term, profitable relationship with customers. As such, the company sales terms can be central force in an organization relationship in selling program. 


The problems of personal selling cannot be overloaded despite the usefulness of personal selling in both industrial and customer market. These difficulties arise from a number of problems that faced sales person. The various problems encountered during the course of this research whether personal selling is an essential tools for company growth, in the alternatives, personal selling may not be an essential tool for company growth. These two hypothesis must considered to know which of the two as a big pictive of what a firm will do in some selling which need two interested parts which are the target market and selling. Target selling is a fairly homogenous group of customer to who a bank which to appeal some of effective arise form a numbers that face sales personal the problem are: 

SIZE AND LOCATION OF MARKET: Large and wide spread markets such as retail outlets for moving the customers’ goods can only be covered at a great cost by massive sales forces. Some manufactures branded, packaged foodstuffs employ such sales force. 

TIME LAGS: Where there is lags between arousing customer interest and the receipts of order, the use of such ratios as sales order to sales call may be meaningless. Business may take a long time to develop, especially in management can do is to monitor

i. Size of customer order 

ii. The ratio of sales proposal to sales achieved.

GEOGRAPHICAL SPREAD: More than half a million of customer are spread all over the nation which sales people have to cover. This will increase the cost of distribution which will equally affect the turnover of the company.


In the course of research answer will be provided to the following research question.

What is personal selling?

Does personal selling creates more awareness than any other promotional mix in the banking industry?

Does the promotional mix used by the banking industry make their services known to customers?

Are the attitudes of staff in the banking industry good, comforting and encouraging to the customers?


1. To find a way of restoring confidence in the mind of people through direct discussion, regular visit to big accounts.

2. To solve problem of concentration and attention during presentation of message.

3. To make personal selling known to customers as a good promotional mix in banking industries.

4. To help banks adopt the marketing concept to the services rendered in banking industries.

5. Providing information


A research hypothesis is a specific statement of expected outcomes of an experiment. The following hypothesis tested in the research work.

H0: Personal selling does not create more awareness than any other promotional mix in banking industry. 

H1: Personal selling creates more awareness than other promotional mix in banking industry.

H0: The attitude of staffs in the banking industry are discomforting and not encouraging to customers.

H1: The attitudes of staffs in the banking industry are good and encouraging to customers.


In view of this, the research critically examined the significance of personal selling in Nigeria banking industry to customer to the society and as an adopted by many organizations particularly, united bank of Africa plc. To what extent is it important to the social aspect of the company? Efforts will also be made in this section to look into the problems encountered in the adoption of different personal selling in sales to its consumers and all organization in general. Many people believe that the importance of existing banking system must be felt in its revenue generation and effectiveness in the adopted of personal selling pot in place, to make sure they reach satisfaction stage of consumer and ever their own target.

This research attempts to examine the importance of personal selling to the growth of a company in Nigeria, case study of united bank of Africa plc, in doing this and attempt will be made to look at the various source of revenue generation through adopted promotional mix. Mix above all, the optimum satisfaction of customer in the nearest future.


The scope of this research work shall be limited to general administration and geographical area of United Bank for Africa, it concept rationale personal selling. Every research must be limited by some factors this research is of no exemption. Some of the problems that be encountered by this research are:

i. Unavailability of relevant data which the company may regard a ‘score’ in the organization.

ii. Inadequate information given to research by respondent through questionnaire

iii. The research having high schedule for lecture and assignments

Nevertheless, the factors do not make the research irrelevant or invalid; the questionnaire will be clear so as to make respondents see clearly and gives relevant and sensible response and answers.

However the limitation of this study did not any way invalidated the work. The research uses some of the officer to get the need information for the investigation. Another problems encountered was that of actual getting respondent answer question because they are always busy, more so, after so many visit to the company, some relevant information to the study were acquired through staff in the united bank of Africa and customers services manager in the organization as well as customer patronizing the company.


This is to define the related terms in the course of this research. These terms include:

i. Personal selling 

ii. Finance

iii. Target market 

iv. Marketing tools

⦁ Personal selling: is offering the exchange items of valve for a different item. The original item of valve being offered may be either tangible or intangible. The second item usually money is most often seen by the seller as being of equal or greater valve than that being offered for personal selling.

⦁ Finance: a management of large amount of money especially by the government or large companies.

⦁ Target market: a target marketing and related marketing mix. The targets are the potential buyers of our product. The people we want to satisfy with the quality of our product or services.

⦁ Market tool: it enables the selling to get the proper decision and plans to put in place to create utility satisfaction to the customer at a profit.


The research work is divided into five chapters for clarity purpose. According to table of contents.

Chapter one consist of introduction, objective of the study, statement of problem, scope of study, limitation of the study, definition of key terms and plan of the study. Chapter two discusses the literature review of the study. Chapter three highlights research methodology, population and sample, sample design and size and data collection method.

Chapter four discusses data presentation and analysis and brief history of the case study. Chapter five which is the last chapter talks about summary, findings, conclusion and recommendation.



Past authors and writers made it clear on how effective the system of personal selling on the subject matters.

IFADOLERE (2000) sees personal selling as an oral presentation in conversation with one or more prospective purchasers for the purpose of making sales. It is most appropriate when selling high priced, technically complex include filed sales. 

MOSES E.B (1893) defines personal selling as a profession that involves mastering and using a whole set of principle. These are many difference with the marketing concept and some are empirical to the marketing concept.

ODOZIE VICTOR (1983) say personal selling is a valuable contribution to a nations economy. Beside provision of work for many Nigeria’s, it is a major creator of demand and thus improves economics activities. 

OLORUNLAMBE (2001) defines personal selling as a personal or interpersonal presentation of products or services between the buyer and the seller. It involves direct face to face communication between sellers and potential customers. Personal selling is very important to marketing and the goal of all marketing is to provide maximum satisfaction through provision of wants product and service to the taught market.

Phillip Kotler (1984) says personal selling is an ancient art, which has a large literate and much principle. Effective sales persons have more than instinct they are trained in method analysis that involves customer’s interactions. 




RESEARCHWAP.ORG is an online repository for free project topics and research materials, articles and custom writing of research works. We’re an online resource centre that provides a vast database for students to access numerous research project topics and materials. guides and assist Postgraduate, Undergraduate and Final Year Students with well researched and quality project topics, topic ideas, research guides and project materials. We’re reliable and trustworthy, and we really understand what is called “time factor”, that is why we’ve simplified the process so that students can get their research projects ready on time. Our platform provides more educational services, such as hiring a writer, research analysis, and software for computer science research and we also seriously adhere to a timely delivery.


Please feel free to carefully review some written and captured responses from our satisfied clients.

  • "Exceptionally outstanding. Highly recommend for all who wish to have effective and excellent project defence. Easily Accessable, Affordable, Effective and effective."

    Debby Henry George, Massachusetts Institute of Technology (MIT), Cambridge, USA.
  • "I saw this website on facebook page and I did not even bother since I was in a hurry to complete my project. But I am totally amazed that when I visited the website and saw the topic I was looking for and I decided to give a try and now I have received it within an hour after ordering the material. Am grateful guys!"

    Hilary Yusuf, United States International University Africa, Nairobi, Kenya.
  • " is a website I recommend to all student and researchers within and outside the country. The web owners are doing great job and I appreciate them for that. Once again, thank you very much "" and God bless you and your business! ."

    Debby Henry George, Massachusetts Institute of Technology (MIT), Cambridge, USA.
  • "Great User Experience, Nice flows and Superb functionalities.The app is indeed a great tech innovation for greasing the wheels of final year, research and other pedagogical related project works. A trial would definitely convince you."

    Lamilare Valentine, Kwame Nkrumah University, Kumasi, Ghana.
  • "I love what you guys are doing, your material guided me well through my research. Thank you for helping me achieve academic success."

    Sampson, University of Nigeria, Nsukka.
  • " is God-sent! I got good grades in my seminar and project with the help of your service, thank you soooooo much."

    Cynthia, Akwa Ibom State University .
  • "Sorry, it was in my spam folder all along, I should have looked it up properly first. Please keep up the good work, your team is quite commited. Am grateful...I will certainly refer my friends too."

    Elizabeth, Obafemi Awolowo University
  • "Am happy the defense went well, thanks to your articles. I may not be able to express how grateful I am for all your assistance, but on my honour, I owe you guys a good number of referrals. Thank you once again."

    Ali Olanrewaju, Lagos State University.
  • "My Dear Researchwap, initially I never believed one can actually do honest business transactions with Nigerians online until i stumbled into your website. You have broken a new legacy of record as far as am concerned. Keep up the good work!"

    Willie Ekereobong, University of Port Harcourt.
  • "WOW, SO IT'S TRUE??!! I can't believe I got this quality work for just 3k...I thought it was scam ooo. I wouldn't mind if it goes for over 5k, its worth it. Thank you!"

    Theressa, Igbinedion University.
  • "I did not see my project topic on your website so I decided to call your customer care number, the attention I got was epic! I got help from the beginning to the end of my project in just 3 days, they even taught me how to defend my project and I got a 'B' at the end. Thank you so much, infact, I owe my graduating well today to you guys...."

    Joseph, Abia state Polytechnic.
  • "My friend told me about ResearchWap website, I doubted her until I saw her receive her full project in less than 15 miniutes, I tried mine too and got it same, right now, am telling everyone in my school about, no one has to suffer any more writing their project. Thank you for making life easy for me and my fellow students... Keep up the good work"

    Christiana, Landmark University .
  • "I wish I knew you guys when I wrote my first degree project, it took so much time and effort then. Now, with just a click of a button, I got my complete project in less than 15 minutes. You guys are too amazing!."

    Musa, Federal University of Technology Minna
  • "I was scared at first when I saw your website but I decided to risk my last 3k and surprisingly I got my complete project in my email box instantly. This is so nice!!!."

    Ali Obafemi, Ibrahim Badamasi Babangida University, Niger State.
  • To contribute to our success story, send us a feedback or please kindly call 2348037664978.
    Then your comment and contact will be published here also with your consent.

    Thank you for choosing